FHA Home Loans | Low Down Payment Mortgages

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with
less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 unit primary

Best For

First-Time Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

VA Loans

A grateful nation's benefit for those who served. VA loans
offer extraordinary terms—no down payment, no PMI,
and some of the most competitive rates available anywhere.

Zero down payment required

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Interest-only options available

Personalized underwriting approach

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 months

Property Types

Primary & 2nd home

Best For

High-Value Properties

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Interest-only options available

Personalized underwriting approach

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 Months

Property Types

Primary & 2nd Home

Best For

High-Value Properties

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

VA IRRRL and FHA Streamline options

Free break-even analysis provided

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

VA IRRRL and FHA Streamline options

Free break-even analysis provided

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

USDA Loans

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

USDA

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by Area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Higher debt-to-income ratios allowed

Credit scores from 580 accepted

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with
less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 unit primary

Best For

First-Time Buyers

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Competitive interest rates below market average

No private mortgage insurance (PMI)

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

VA Loans

A grateful nation's benefit for those who served. VA loans
offer extraordinary terms—no down payment, no PMI,
and some of the most competitive rates available anywhere.

Zero down payment required

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Interest-only options available

Personalized underwriting approach

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 Months

Property Types

Primary & 2nd Home

Best For

High-Value Properties

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Interest-only options available

Personalized underwriting approach

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 months

Property Types

Primary & 2nd home

Best For

High-Value Properties

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

VA IRRRL and FHA Streamline options

Free break-even analysis provided

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

VA IRRRL and FHA Streamline options

Free break-even analysis provided

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

USDA

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by Area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

USDA Loans

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Higher debt-to-income ratios allowed

Credit scores from 580 accepted

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with
less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 unit primary

Best For

First-Time Buyers

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Competitive interest rates below market average

No private mortgage insurance (PMI)

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

VA Loans

A grateful nation's benefit for those who served. VA loans
offer extraordinary terms—no down payment, no PMI,
and some of the most competitive rates available anywhere.

Zero down payment required

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Interest-only options available

Personalized underwriting approach

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 Months

Property Types

Primary & 2nd Home

Best For

High-Value Properties

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Interest-only options available

Personalized underwriting approach

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 months

Property Types

Primary & 2nd home

Best For

High-Value Properties

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

VA IRRRL and FHA Streamline options

Free break-even analysis provided

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

VA IRRRL and FHA Streamline options

Free break-even analysis provided

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

USDA

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by Area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

USDA Loans

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Fixed and adjustable rate options

Available for primary residences, second homes, and investment properties

Competitive rates for strong credit profiles

PMI cancelable at 20% equity

Flexible term options: 10, 15, 20, or 30 years

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Higher debt-to-income ratios allowed

Credit scores from 580 accepted

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with
less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 unit primary

Best For

First-Time Buyers

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Competitive interest rates below market average

No private mortgage insurance (PMI)

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

VA Loans

A grateful nation's benefit for those who served. VA loans
offer extraordinary terms—no down payment, no PMI,
and some of the most competitive rates available anywhere.

Zero down payment required

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Interest-only options available

Personalized underwriting approach

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 Months

Property Types

Primary & 2nd Home

Best For

High-Value Properties

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Interest-only options available

Personalized underwriting approach

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 months

Property Types

Primary & 2nd home

Best For

High-Value Properties

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

VA IRRRL and FHA Streamline options

Free break-even analysis provided

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

VA IRRRL and FHA Streamline options

Free break-even analysis provided

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

USDA

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by Area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

USDA Loans

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Fixed and adjustable rate options

Available for primary residences, second homes, and investment properties

Competitive rates for strong credit profiles

PMI cancelable at 20% equity

Flexible term options: 10, 15, 20, or 30 years

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Higher debt-to-income ratios allowed

Credit scores from 580 accepted

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with
less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 unit primary

Best For

First-Time Buyers

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Competitive interest rates below market average

No private mortgage insurance (PMI)

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

VA Loans

A grateful nation's benefit for those who served. VA loans
offer extraordinary terms—no down payment, no PMI,
and some of the most competitive rates available anywhere.

Zero down payment required

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Interest-only options available

Personalized underwriting approach

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 Months

Property Types

Primary & 2nd Home

Best For

High-Value Properties

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Interest-only options available

Personalized underwriting approach

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 months

Property Types

Primary & 2nd home

Best For

High-Value Properties

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

VA IRRRL and FHA Streamline options

Free break-even analysis provided

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

VA IRRRL and FHA Streamline options

Free break-even analysis provided

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

USDA

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by Area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

USDA Loans

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

Conventional Loans

Conventional mortgages are the most popular choice for homebuyers with good credit and steady income. Flexible terms with competitive rates and the ability to cancel PMI at 20% equity.

Fixed and adjustable rate options

Available for primary residences, second homes, and investment properties

Competitive rates for strong credit profiles

PMI cancelable at 20% equity

Flexible term options: 10, 15, 20, or 30 years

Down payments starting at 3%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Down Payment

3% - 5%

Min. Credit Score

620+

Loan Limit (2025)

$806,500

PMI Required

If < 20% Down

Term Options

10-30 years

Best For

Strong Credit Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 Unit Primary

Best For

First-Time Buyers

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Higher debt-to-income ratios allowed

Credit scores from 580 accepted

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

FHA Loans

Backed by the Federal Housing Administration, FHA loans make homeownership accessible for first-time buyers and those with
less-than-perfect credit. Lower barriers, real opportunity.

Down payments as low as 3.5%

Credit scores from 580 accepted

Higher debt-to-income ratios allowed

Gift funds accepted for down payment

Streamline refinance option available

Assumable loan feature

Loan Snapshot

Min. Down Payment

3.5%

Min. Credit Score

580+

Mortgage Insurance

Required (MIP)

Loan Limits

Vary by County

Property Types

1–4 unit primary

Best For

First-Time Buyers

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

VA Loans

A grateful nation's benefit for those who served. VA loans offer extraordinary terms—no down payment, no PMI, and some of the most competitive rates available anywhere.

Zero down payment required

Flexible term options: 10, 15, 20, or 30 years

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes, and investment properties

Fixed and adjustable rate options

Competitive interest rates below market average

No private mortgage insurance (PMI)

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

VA Loans

A grateful nation's benefit for those who served. VA loans
offer extraordinary terms—no down payment, no PMI,
and some of the most competitive rates available anywhere.

Zero down payment required

No private mortgage insurance (PMI)

Competitive interest rates below market average

No prepayment penalties

Available for active duty, veterans, and eligible surviving spouses

VA IRRRL streamline refinance option

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Interest-only options available

Personalized underwriting approach

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 Months

Property Types

Primary & 2nd Home

Best For

High-Value Properties

Jumbo Loans

For luxury properties and high-value markets where conforming loan limits don't reach far enough. Our investor partnerships give us access to jumbo products with terms that rival big banks.

Finance properties above the conforming loan limit

Fixed and adjustable rate options

Competitive rates through exclusive investor access

Available for primary residences and second homes

Interest-only options available

Personalized underwriting approach

Loan Snapshot

Min. Loan Amount

> $806,500

Min. Down Payment

10% – 20%

Min. Credit Score

700+

Reserves Required

6–12 months

Property Types

Primary & 2nd home

Best For

High-Value Properties

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

VA IRRRL and FHA Streamline options

Free break-even analysis provided

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

Refinancing

Market rates change. Your life changes. Your mortgage should adapt too. We'll analyze your current loan against today's options and give you an honest recommendation—even if staying put is the right call.

Rate-and-term refinance to lower monthly payments

Cash-out refinance to access home equity

Shorten loan term to build equity faster

Remove PMI once you've reached 20% equity

VA IRRRL and FHA Streamline options

Free break-even analysis provided

Loan Snapshot

Types Available

Rate/Term, Cash-Out

Equity Required

Typically 20%+

Closing Costs

2% – 5% of Loan

Break-Even

Analyzed for Free

Credit Score

620+ Recommended

Best For

Rate Reduction / Equity

USDA

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Loan Snapshot

Min. Down Payment

PMI

Not Required

Funding Fee

1.25% – 3.3%

Credit Score

Typically 620+

Eligible

Veterans & Active Duty

Best For

Military & Veterans

Flexible term options: 10, 15, 20, or 30 years

Eligible in many suburban Colorado communities

No loan limits (income limits apply)

PMI cancelable at 20% equity

Competitive rates for strong credit profiles

Available for primary residences, second homes,
and investment properties

Fixed and adjustable rate options

Loan Snapshot

Down Payment

$0 (100% Financing)

Min. Credit Score

640+

Income Limits

Apply by Area

Property Location

Rural / Suburban Areas

Mortgage Insurance

Low Annual Fee

Best For

Rural Property Buyers

USDA Loans

The USDA Rural Development Loan offers 100% financing for eligible buyers in qualifying rural and suburban areas of Colorado. Many areas near Littleton and the Denver metro qualify.

100% financing — no down payment required

Below-market interest rates

Low annual mortgage insurance fee

Flexible credit requirements

Eligible in many suburban Colorado communities

No loan limits (income limits apply)