Purchase Loans
Conventional, FHA and jumbo financing for a primary home anywhere in the state, from a Denver condo to acreage on the Western Slope. Conventional needs as little as three percent down for a qualified buyer, FHA opens the door at three and a half with a lower credit bar, and jumbo covers you above the county conforming limit.
Ask Steev which of the three costs you less over the years you plan to hold the house.
See purchase options
Refinance
Lower a rate, shorten or lengthen a term, or take equity out of a home you already own. A rate and term refinance changes what you pay. A cash-out refinance changes what you owe and hands you the difference. Both restart the clock, and the break-even math is the part worth doing carefully.
Bring your current statement and he will work out the month the savings overtake the cost.
See refinance options
VA Loans
A VA loan lets a qualified service member, veteran or surviving spouse buy with no down payment and no monthly mortgage insurance. The trade is a one-time funding fee, and that fee is waived entirely for a borrower with a service-connected disability rating. Entitlement can be restored and reused more often than most people expect.
Bring your Certificate of Eligibility, or ask him to pull it for you.
See VA loan detail
First-Time Buyers
Colorado runs down payment assistance programs that most first-time buyers never hear about, through CHFA and several metro-area authorities. Some are grants, some are second mortgages that sit quietly behind the first, and each carries its own income and purchase price ceiling.
You need neither perfect credit nor twenty percent down to start this conversation.
See first-time buyer programs
Investors
Financing for rentals, duplexes and short-term rental properties, including DSCR loans that qualify on the property's own income rather than on your tax returns. Denver and the mountain towns each write their own short-term rental rules, and those rules change what a lender will do.
If you are building a portfolio, tell him the plan and not just the property.
See investor financing