A lower bar to your first front door.
Government-backed FHA financing with 3.5% down and credit flexibility conventional loans can't match.
FHA loans are insured by the Federal Housing Administration, which lets lenders approve borrowers with lower credit scores, higher debt ratios, and smaller down payments. For many first-time buyers in Denver and across Colorado, FHA is the fastest path to owning.
- 3.5% down with a 580+ credit score.
- Debt-to-income ratios up to ~50% with compensating factors.
- Entire down payment can be a gift or down payment assistance.
- 1–4 unit properties eligible — house hack with rental income.
- FHA 203(k) renovation financing available for fixer-uppers.
- FHA streamline refinance makes lowering your rate easy later.
With a 580+ credit score. Gift funds and down payment assistance allowed.
Scores from 580 (and sometimes lower with more down). Past credit events have shorter waiting periods.
A future buyer can take over your FHA rate — a real selling point if rates rise.
Good to know
Mortgage insurance: 1.75% upfront (rolled into the loan) plus an annual premium that lasts for the life of the loan on most 3.5%-down scenarios. Many buyers refinance into conventional once they reach 20% equity.
Yes, and they vary by county — higher in metro Denver and mountain counties. We'll confirm the current limit for the county you're buying in.
Absolutely. FHA pairs well with CHFA and local Colorado assistance programs — often covering most or all of the 3.5%.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.