Serving Colorado and Florida
Serving Colorado and Florida


Conventional Mortgage

What is a Conventional Loan?

A conventional mortgage is a non-government loan that meets certain criteria set forth by Freddie Mac and Fannie Mae. A wide variety of options are available!

Conventional Loan Availability

Loans are generally available to homebuyers with good credit and a qualifying debt-to-income ratio as determined by the bank. Certain counties have specific loan requirements that we are happy to discuss with you.

Conventional Loan Features

  • Offered in both fixed- and adjustable-rate options
  • Provides for financing the overwhelming majority of the purchase price
  • Confidence in a set term or payments with options to suit your particular situation

Competitive Rates & Many Options

Conventional mortgage applications generally have the largest selection of loan options at the most competitive rates. These loans are generally preferred by buyers as you can find different programs tailored to meet your specific situation.


What is an FHA Loan?

FHA loans are backed by the Federal Housing Administration and can allow for more lenient financial requirements for approval. If you’ve experienced financial difficulties in the past, or have a lower credit score, you may still qualify for an FHA loan.

FHA Loan Features

  • More lenient credit requirements
  • An attractive option for first-time and repeat home buyers
  • Closing costs can oftentimes be included in your loan
  • Requirement of the home being your primary residence
  • Requires mortgage insurance


What is a VA Loan?

VA Loans are backed by the Department of Veterans Affairs and provide some excellent benefits for eligible service members and veterans. These low-cost mortgages allow qualification even without perfect credit.

VA Loan Features

  • No required down payment
  • More lenient credit requirements


We will assist you in determining your eligibility. Please contact us.


What is a USDA Loan?

USDA Loans are backed by the U.S. Department of Agriculture and assist home buyers in rural or suburban areas to improve quality of life in these areas. To determine whether the home you’re seeking a mortgage for is eligible, please visit the USDA eligibility website or simply contact us and we can help.

USDA Loan Features

  • Lower interest rates are available for homes in specific areas
  • Upon qualifying, many USDA loans feature no down payment
  • Closing costs will still need to be paid
  • You need to meet certain maximum income requirements


As mentioned above, the location of the property is the first step. In addition, you’ll be required to meet specific income requirements and debt-to-income ratios. Contact us and we would be happy to explore the many options available.

Down Payment Assistance Grant (CHFA)

CHFA down payment

CHFA down payment assistance loans are available to qualified Colorado 1st time home buyers. We work with you to help you qualify for this program. Kindly contact us today for more information to get started.


Need Help ?

Please feel free to contact us. To speak with us immediately, always feel free to call

(720) 414-2962

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