Family Opportunity Mortgage: Who Truly Owns the Home in Colorado?

Family (mother and two children) sitting on a rock in Colorado's Garden of the Gods, looking towards scenic mountains and rock formations.

As a mortgage loan officer serving families across Colorado, one of the most common and insightful questions I receive about the Family Opportunity Mortgage isn’t about interest rates or qualifications, but about ownership itself: “Who actually owns the house?” This is a critical distinction that all parties involved should understand when considering a Family Opportunity…

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…