Do All Conventional Loans Require 20% Down?

House keys next to a model home, illustrating that a 20% down payment isn't always required for conventional loans.

If you’re thinking about buying a home in Colorado, you’ve probably heard this one: “You need 20% down to get a conventional loan.” Here’s the truth: You don’t. This is one of the most common myths I hear from buyers and it holds a lot of people back from getting into a home sooner. So…

Aerial view of a dense residential neighborhood with many homes, representing a market of potential investment properties for DSCR loans.

If you’re a real estate investor in Colorado exploring financing options, you’ve probably heard of DSCR loans. They’ve become one of the most popular tools for building rental portfolios and one of the most common questions I get is: “Is it hard to get a DSCR loan?” Let’s break it down. What Makes a DSCR…

Happy family (two adults and a child) sitting on a couch, representing Colorado first-time homebuyers achieving their dream with the right credit score.

Buying your first home in Colorado, whether it’s in Centennial, Denver, Highlands Ranch, or any of our vibrant communities, is an exciting milestone! One of the most common questions I hear from aspiring homeowners is, “What credit score do I need for a first-time home buyer loan?” It’s a smart question, and the answer isn’t…

an individual handing over a key to a residence

Navigating the world of home loan options in Aurora, CO, can feel overwhelming, especially with so many programs tailored to specific financial and lifestyle needs. Whether you’re a veteran, looking to buy in a rural area, or planning your retirement, understanding the differences between VA home loans, USDA home loans, and reverse mortgages can help you…

a loan officer holding a 3D figurine of a house

For many homeowners in Centennial, Colorado, tapping into their home’s equity through refinancing has become a strategic way to improve financial flexibility, reduce monthly payments, or fund major life goals. Whether you’re aiming to lower your interest rate, shorten your loan term, or access cash for home improvements or debt consolidation, exploring refinance loan options…

An image of a mortgage lender looking at some documents

If you’re buying your first home, choosing a mortgage term can feel like one more confusing decision in an already overwhelming process. Should you go for a shorter term with higher payments but less interest, or stretch things out to keep payments manageable? Picking the wrong mortgage term can cost you thousands in the long…

An image of a stressed woman looking at some documents

If you’re dreaming of homeownership but worried about qualifying for a mortgage, you’re not alone. With rising home prices and strict lending requirements, getting approved can feel overwhelming—especially for first-time buyers, those with lower credit scores, or limited down payment savings. The good news? Not all mortgages are created equal. Some residential home loans are specifically…

A person discussing something with his clients

When it comes to financing a home, the terms mortgage lender and mortgage broker often get used interchangeably. However, these two roles serve different purposes in the mortgage process. Whether you’re a first-time homebuyer or looking for centennial refinance home loans, knowing the differences can help you make informed decisions. What Is a Mortgage Broker? A mortgage…

Getting denied during underwriting for VA Loans can be frustrating, especially when you’re counting on homeownership benefits as a veteran. The underwriting process is where lenders assess your financial situation to ensure you meet loan requirements. If your VA loan gets denied at this stage, it doesn’t mean the end of the road—it just means you need…

Purchasing a home is a significant milestone, but for individuals with bad credit, the process can feel daunting. However, living in Centennial, Colorado, opens up a range of home loan options designed to help those with less-than-perfect credit achieve their dream of homeownership. Let’s explore the possibilities and guide you toward home loans for people with bad…