Colorado Home Loan Programs
Colorado Home Loan Programs
There are many Colorado Home Loan Programs available whether you are looking to buy a home or refinance. Our job is to help you find the right program for your unique situation. The first step is to schedule a home loan consultation with RJ Baxter so we can get your questions answered and talk about your goals and financial situation. From there, we will find the best programs for your unique situation that have the lowest mortgage rate and fit your financial goals.
Here are some of the many Colorado Home Loan Programs that we have to fit our clients’ needs:
- First Time Homebuyer Programs: There are many programs for first time homebuyers with minimal down payment requirements and more lenient underwriting standards. There programs are designed to help you get started with owning a home and building wealth for your family, reducing barriers to home ownership.
- Down Payment Assistance: There are several down payment assistance programs available in Colorado, including Colorado Housing Finance Authority (CHFA), and Metro DPA. You don’t have to be a first time homebuyer to qualify for some of these programs. There are income limits on the down payment assistance programs and some other unique guidelines. We can help to determine if you can qualify.
- Conventional Loans: If you have good credit and a down payment saved up, you may be able to qualify for a conventional loan. Conventional loans are generally the best of the Colorado Home Loan Programs depending on your situation.
- FHA Loans: FHA loans are generally easier to qualify for and are a popular option for first time homebuyers, minimizing down payment requirements.
- VA Loans: Most veterans or active duty military service members can qualify for a VA loan. This is a popular choice because there is no down payment requirement and no monthly mortgage insurance. We can help to verify your eligibility for a VA loan.
- USDA Loans: For homes in rural areas or small towns, USDA loans are a popular choice. There is no down payment required to qualify, but underwriting standards are strict for USDA loans.
- Vacation Property Loans: If you are buying a vacation home, we have many competitive options!
- Investment Property Loans: Buying investment properties is one of the best ways to build wealth.
- Jumbo Loans: Jumbo loans are loans that are above conventional loan limits. We have many great options!
As you can see, we have a wide range of Colorado Home Loan Programs to fit your needs. Our job is to look at your financial situation and goals, and find the best program. Schedule a home loan consultation with RJ Baxter or give us a call at 303-670-0137 today!