Loan Options | VA, FHA, Conventional & More

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VA Loans

As a veteran myself, I'm passionate about helping fellow service members take advantage of one of the best benefits available — the VA home loan.

VA loans offer incredible advantages that can save you tens of thousands of dollars over the life of your loan.

Zero Down Payment — Buy a home with no money down
No PMI — Save hundreds per month with no private mortgage insurance
Competitive Rates — Often lower than conventional loans
Flexible Credit — More forgiving credit requirements
Limited Closing Costs — VA limits what you can be charged
No Prepayment Penalty — Pay off your loan early without fees

Check Your VA Eligibility

Who Qualifies?

✓ Active duty service members
✓ Veterans (90+ days wartime, 181+ days peacetime)
✓ National Guard & Reserve members
✓ Surviving spouses of veterans

Not sure if you qualify? Let's talk — I can help you understand your benefits.

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FHA Loans

FHA loans are designed to make homeownership accessible, especially for first-time buyers. If you have limited savings or less-than-perfect credit, an FHA loan might be your path to homeownership.

Low Down Payment — As little as 3.5% down
Flexible Credit — Credit scores as low as 580 (or 500 with 10% down)
Gift Funds Allowed — Down payment can be a gift from family
Higher DTI Allowed — More flexibility with debt-to-income ratios
Assumable — Future buyers can take over your loan

Explore FHA Options

FHA Quick Facts

3.5%

Minimum Down Payment

580

Minimum Credit Score

43-50%

Max DTI Ratio

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Conventional Loans

Conventional loans are the most common type of mortgage and offer great flexibility for qualified buyers. If you have good credit and some savings, a conventional loan often provides the best overall value.

Competitive Rates — Often the best rates for well-qualified buyers
PMI Removal — Cancel PMI once you reach 20% equity
Flexible Terms — 15, 20, or 30-year options
Higher Loan Limits — Finance more expensive properties
Investment Properties — Available for second homes and rentals

Get Pre-Approved

Conventional Options

Fixed-Rate Mortgage

Same payment for the life of the loan. Predictable and stable — ideal for long-term homeowners.

Adjustable-Rate (ARM)

Lower initial rate that adjusts over time. Great if you plan to sell or refinance within 5-7 years.

Low Down Payment

Put down as little as 3% with conventional loan programs designed for first-time buyers.

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Jumbo Loans

Looking at a higher-priced property? Jumbo loans are designed for homes that exceed conventional loan limits. In Colorado's competitive market, these loans help you secure your dream home.

Higher Loan Amounts — Finance homes above conventional limits
Competitive Rates — Rates comparable to conventional loans
Flexible Down Payments — Options from 10-20% down
Primary & Second Homes — Finance your vacation property

2024 Colorado conforming limit: $766,550. Amounts above this require a jumbo loan.

Discuss Jumbo Options

Jumbo Requirements

Credit Score 700+
Down Payment 10-20%
Debt-to-Income ≤43%
Cash Reserves 6-12 months

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Refinancing

Already own a home? Refinancing can help you lower your monthly payment, shorten your loan term, or tap into your home's equity for major expenses.

Rate & Term Refinance — Lower your rate or change your loan term
Cash-Out Refinance — Access your home equity for renovations, debt consolidation, or other needs
VA IRRRL (Streamline) — Simplified refinancing for VA loan holders
FHA Streamline — Reduced documentation refinancing for FHA loans

Discuss Refinancing

When to Refinance?

✓ Rates have dropped
Even 0.5% can save thousands
✓ Credit has improved
Better score = better rate
✓ Need cash for projects
Tap into your equity
✓ Want to pay off faster
Switch to a 15-year term