Explore purchase loan options
Buying in Colorado with limited cash? Start with our Colorado down payment assistance programs guide before you choose a loan.
FHA Loans
Low down payment, flexible credit — 3.5% down with 580+ credit. Great for first-time buyers.
Learn moreVA Loans
0% down for veterans, active-duty service members, and qualifying spouses. No PMI.
Learn moreUSDA Loans
100% rural financing — 0% down in USDA-eligible areas. Income limits apply.
Learn moreConventional
From 3% down for qualified buyers with 620+ credit. The default for most Colorado purchases.
Learn moreJumbo Loans
Higher-value properties — above $832,750 in standard CO counties, higher in mountain counties.
Learn moreNon-QM / Investor
Self-employed & DSCR — qualify on bank statements, P&L, or rental income.
Learn morePopular in Colorado
FHA Loans in Colorado
3.5% down with 580+ credit — popular with first-time buyers across CO.
Learn moreVA Loans in Colorado
0% down for veterans and active-duty service members in Colorado.
Learn moreUSDA Loans in Colorado
100% financing in USDA-eligible rural Colorado areas.
Learn moreFirst-Time Homebuyer Colorado
CHFA, down payment assistance, and low-down-payment programs.
Learn moreHow the purchase process works
- 01Pre-approval
We review credit, income, and assets — and issue a fully-underwritten pre-approval letter.
- 02Offer & contract
Your agent writes the offer. Once accepted, we lock your rate and open the loan.
- 03Appraisal & underwriting
The appraisal is ordered and underwriting validates everything — income, assets, title, insurance.
- 04Clear to close
All conditions cleared, final figures issued, closing scheduled.
- 05Closing day
You sign, fund, and get the keys. We hand off — you move in.
What we need to pre-approve you
- Income docs: last 30 days of pay stubs, last 2 years of W-2s (or tax returns if self-employed).
- Asset statements: 2 most recent months of bank, brokerage, and retirement statements.
- Credit: we pull a soft tri-merge credit report — no impact on your score.
- ID: driver's license or passport.
Purchase FAQ
How long does pre-approval take?
Same day to 24 hours once we have your documents — pay stubs, W-2s or tax returns, bank statements, and ID.
How much down payment do I need?
Depends on the loan type. VA and USDA can be $0 down, FHA is 3.5%, and conventional ranges from 3–20%+.
Can I get pre-approved before I find a home?
Yes, and you should. A real pre-approval makes your offer competitive and surfaces issues before you fall in love with a house.
Do you work with first-time buyers?
Yes — we specialize in first-time buyer programs including CHFA, FHA, and conventional 3% down in Colorado.
Colorado cities we serve
We lend across Colorado — see our Colorado mortgage hub for every market we serve. A few of the most-requested:
Ready to get pre-approved?
Apply online in minutes — most pre-approvals come back same-day.