Comparison chart of Family Opportunity Mortgage rates and down payment vs. Investment and Second Home Loans.

The Hidden Cost of Misclassifying Your Loan When you intend to purchase a property in Colorado that you don’t plan to live in, whether for a family member, a vacation, or a rental, you must classify the loan correctly. This classification is not just a formality; it dictates your interest rate, minimum down payment, and…

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Elderly couple smiling on front porch steps after moving into a new home purchased using a Family Opportunity Mortgage in Colorado.

Introduction: Ownership Is More Than Just the Mortgage The Family Opportunity Mortgage (FOM) is a powerful tool because it treats a home you buy for a parent or disabled adult child as your primary residence, even if you don’t live there. But once the loan is secured, the financial and legal decisions are just beginning.…

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