The right loan for the way you live.

Fannie Mae / Freddie Mac financing for primary homes, second homes and investment property.

Terms

30, 25, 20, 15 or 10-year fixed; 5/6 & 7/6 ARM

Min. down

3% first-time buyer / 5% repeat

Min. credit

620

Loan limits

Up to $806,500 (1-unit conforming, 2025)

• PMI drops automatically at 78% LTV
• No PMI at 20% down
• Gift funds allowed for the full down payment

Government-insured financing built for flexible credit and low down payments.

Terms

30 or 15-year fixed

Min. down

3.5%

Min. credit

580 (500 with 10% down)

Loan limits

Denver metro limit $833,750 (1-unit, 2025)

• Non-occupant co-borrowers allowed
• Seller can pay up to 6% in closing costs
• Streamline refinance available later

For eligible veterans, active duty, Guard/Reserve and surviving spouses.

Terms

30, 20 or 15-year fixed; ARM options

Min. down

0%

Min. credit

580 typical

Loan limits

No county loan limit with full entitlement

• No monthly mortgage insurance
• Funding fee waived for eligible disability ratings
• IRRRL streamline refinance available

Rate-and-term, cash-out and streamline refinances.

Terms

30, 20, 15 or 10-year fixed

Min. down

Up to 80% cash-out LTV

Min. credit

620

Loan limits

Conforming and jumbo

• Cash-out to 80% LTV on primary homes
• Streamline options for FHA and VA
• Shorten your term without a big payment jump

Tap equity with a line of credit or fixed second mortgage without touching your first-mortgage rate.

Terms

10-year draw / 20-year repay; fixed HELOAN 5–30 yr

Min. down

Keep 10–20% equity

Min. credit

660

Loan limits

Up to $500,000 combined

• Keep your low first-mortgage rate
• Draw only what you need
• Fixed-rate second-mortgage option

Qualify on the property's rental cash flow — no personal income documentation.

Terms

30-year fixed; 5/6 & 7/6 ARM; interest-only

Min. down

20%

Min. credit

660

Loan limits

Up to $3M per property

• No tax returns or W-2s
• Short-term rental income accepted
• Vesting in an LLC allowed

Portfolio, bridge and multi-property financing for growing rental portfolios.

Terms

30-year fixed and ARM; 12–24 mo bridge

Min. down

20–25%

Min. credit

680

Loan limits

Unlimited financed properties

• Blanket and portfolio options
• Fix-and-flip / bridge financing
• Cash-out to recycle capital

Physician and healthcare-professional loans with little to no down payment and no PMI.

Terms

30, 20 or 15-year fixed; 7/6 ARM

Min. down

0–10%

Min. credit

700

Loan limits

Up to $2M

• No PMI at any down payment tier
• Student loan IBR payment or excluded
• Close up to 90 days before start date

Qualify with bank statements, P&L or 1099s instead of tax returns.

Terms

30-year fixed; 5/6 & 7/6 ARM; interest-only

Min. down

10%

Min. credit

660

Loan limits

Up to $3M

• 12 or 24 months of bank statements
• P&L-only options for strong credit
• 1099 and asset-depletion programs

One-time-close construction-to-permanent financing for new builds.

Terms

12-month build + 30-year fixed permanent

Min. down

5–20%

Min. credit

680

Loan limits

Conforming and jumbo

• Single closing, single set of fees
• Rate locked through construction
• Builder draw management included

CHFA, metro-DPA grants and second-lien programs for Colorado buyers.

Terms

Paired with 30-year fixed first mortgage

Min. down

As little as $1,000 of your own funds

Min. credit

620

Loan limits

Varies by program

• CHFA and metro-area programs
• Grant and repayable second options
• Can be combined with FHA, VA or conventional