Home Loan Programs
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
FHA Loans
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
USDA Loans
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
VA Loans
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.
Jumbo Loans
Jumbo Loans are mortgage loans that exceed the conventional loan limits set by Fannie Mae and Freddie Mac. In most areas, that limit is $806,500 in 2025. Typically, jumbo loans are used for higher-priced homes and luxury properties. Many people assume jumbo loans come with much higher rates and are very difficult to qualify for. However, jumbo loans can offer very competitive rates and flexible options for well-qualified borrowers. Usually, jumbo loans require strong credit, solid cash reserves, low debt obligations, and reliable income. Jumbo loans are ideal for borrowers with a strong financial profile who are purchasing a home above the conventional loan limit.
Private Money
Private Money Loans are real estate loans funded by individual investors or private lending companies instead of traditional banks. They are known for faster closings, flexible terms, and a stronger focus on the property’s value rather than just personal income. While rates are usually higher, private money can be a powerful option for investors using short-term strategies like fix-and-flips or bridge financing.
Non-QM Loans
Non-QM (Non-Qualified Mortgage) Loans are alternative loan programs designed for borrowers who do not meet the strict underwriting or documentation standards of traditional conventional or government-backed loans. Instead of relying on traditional tax returns and W-2s, these loans allow alternative verification methods like bank statements, 1099 forms, or asset depletion to prove creditworthiness. Non-QM loans are ideal for self-employed individuals, business owners, entrepreneurs, and freelancers who have strong financials but non-traditional income streams.
DSCR Loans
A DSCR (Debt Service Coverage Ratio) Loan is a specialized type of mortgage tailored specifically for real estate investors looking to expand their property portfolios. Instead of evaluating the borrower’s personal income, debt-to-income ratio, or employment history, qualification is based strictly on the property's potential to generate enough rental income to cover the monthly mortgage payment. DSCR loans are perfect for investors wanting to secure financing quickly without having to provide extensive personal tax documentation.
Reverse Mortgages
A Reverse Mortgage is a unique loan program designed exclusively for homeowners aged 62 or older, allowing them to convert a portion of their home equity into tax-free cash without having to sell the home or make monthly mortgage payments. Instead of the homeowner making payments to a lender, the loan balance grows over time and is typically repaid when the homeowner sells the property, permanently moves out, or passes away. Reverse mortgages are ideal for seniors looking to supplement their retirement income, eliminate existing monthly housing costs, or cover healthcare expenses.
Contact Us
(303) 908-8084
(720) 730-8079
2679 Main Street #608 Littleton Colorado 80120
