A loan program for every kind of buyer.
Conventional, FHA, VA, jumbo, first-time buyer, and bank-statement loans. Because we are independent, we match you to the right program from the whole market, not a single bank menu.
Explore our loan programs.
Conventional
The workhorse loan for buyers with solid credit. Down payments from 3%, flexible terms, and strong rates for primary homes and investment properties.
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FHA
Government-backed and forgiving on credit. Down payments from 3.5%, a great fit for first-time buyers and anyone rebuilding credit.
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VA
For eligible veterans and active-duty service members. Zero down payment, no monthly mortgage insurance, and competitive rates.
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Jumbo
Financing above conforming loan limits for luxury and high-cost properties across the Denver metro, with wholesale jumbo investors competing for your loan.
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First-Time Buyer
Low-down-payment programs paired with Colorado down-payment assistance grants, plus hands-on guidance from offer to closing.
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Bank Statement
Built for the self-employed. Qualify using 12 to 24 months of bank statements instead of tax returns, so your real cash flow counts.
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Self-employed? This is our specialty.
If you own a business, freelance, or run on 1099 income, you have probably heard no from a big bank that could not make sense of your tax returns. We built our practice around exactly this borrower. Bank-statement programs let us verify income from 12 to 24 months of personal or business deposits, so heavy reinvestment or write-offs do not sink your application. We regularly close loans for founders, contractors, physicians, and gig workers that a retail branch turned away, and we do it without asking you to overpay for the privilege. Bring us your statements and we will show you what is actually possible.
Program questions, answered.
How do I know which program is right for me?
That is our job. On a short call we look at your credit, income type, down payment, and goals, then compare programs across 50+ lenders and bring you the best two or three options with real numbers.Can I use a program to refinance, not just buy?
Yes. Conventional, FHA, VA, and jumbo programs all have refinance options, including cash-out. We run a break-even analysis so a refinance only happens when it actually saves you money.Do you handle investment properties?
We do. Conventional and specialized investor programs cover second homes and rentals, including options that qualify on the property cash flow.What credit score do I need?
It varies by program. FHA is the most flexible, while conventional and jumbo reward stronger credit with better pricing. We will tell you honestly where you stand and how to improve it if needed.
One conversation, every option
Let us match you to the right loan.
Start a soft-pull pre-approval and we will bring you the programs that actually fit, with real rates from competing lenders.