Home purchase loans in Colorado
Finance your Colorado home with the right loan for you
Conventional, FHA, VA, USDA, jumbo and portfolio loans for first-time and move-up buyers — from Front Range neighborhoods to mountain homes.
- 4.9 from 60+ Google reviews
- $1B+ funded
- 30+ years of experience
- Top 1% of UWM loan officers (2025)
Mountain homes come with their own questions
Condos with rental histories, cabins on well and septic, homes on steep lots — we know how lenders look at Colorado properties and plan your financing around them.
- Low-down-payment options: 0% (VA, USDA), 3% (conventional) and 3.5% (FHA) for eligible buyers
- Underwriting experience with unique mountain homes, condos and cabins
- Local market knowledge and relationships across Colorado
- One point of contact from pre-approval to closing
Home purchase loan options
All loans are subject to credit approval and program guidelines.
Conventional loans
Flexible financing for primary homes, second homes and rentals.
- As little as 3% down for qualified buyers
- PMI can be removed later
- Terms from 10 to 30 years
FHA loans
Government-backed loans with lower down payments and flexible credit guidelines.
- 3.5% down with a 580+ score
- Gift funds allowed for the down payment
- Popular with first-time buyers
Jumbo loans
For loans above your county's conforming limit — $832,750 in most Colorado counties, up to $1,249,125 in Eagle County (2026).
- Primary and second homes
- Experience with luxury mountain properties
VA loans
For eligible veterans, service members and certain surviving spouses.
- No down payment with full entitlement
- Funding fee instead of PMI
USDA loans
No-down-payment loans for eligible properties in USDA-eligible rural areas.
- 0% down for eligible buyers
- 1% upfront and 0.35% annual guarantee fees
- Household income limits apply
Portfolio and non-QM loans
Custom financing for properties and borrowers that don't fit standard guidelines.
- Non-warrantable condos
- Unique property types
- Self-employed borrowers
How the purchase process works
Four steps from budget to keys.
- 1
Pre-approval
Know your budget and strengthen your offer.
- 2
Home shopping
Shop with confidence in what you can afford.
- 3
Loan processing
We handle the paperwork and coordinate with your agent, title and appraiser.
- 4
Closing
Sign your documents and get your keys — typically 30–45 days from contract; some close in as few as 21 with a complete file.
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Areas we serve
Know your budget before you shop
Start your pre-approval online. Andrew will compare every loan you qualify for and show you the payment on each.