One Colorado mortgage expert: Max.
Max Henry helps Colorado homebuyers, homeowners and investors find the right mortgage by comparing rates, terms and loan options across multiple lenders. From Denver to the Western Slope, you’ll get clear guidance, competitive financing and one dedicated expert from application to closing.
A short call. No obligation,
no paperwork to start.
Max Henry · Senior Loan Officer · NMLS #2186109
Three questions to see which loan is a good place to start. No forms and no credit check.
Step 1 of 3
What are you trying to do?
Have you served in the U.S. military?
How much could you put down?
Why are you refinancing?
A good place to start
A starting point, not an approval. Max confirms what you qualify for on the call.
Several lenders, one comparison
One loan officer from first call to closing
Denver & Western Colorado, lending statewide
What each loan is for and what it takes. Max compares the same program across several lenders, so you see more than one price for it.
| Loan | Best for | What it takes | Details |
|---|---|---|---|
| Buy a home | |||
| First-time home buyer | Your first purchase, with little saved for a down payment | Low down payment loans, plus down payment assistance through Colorado programs like CHFA if you qualify | |
| FHA loan | Buyers with a smaller down payment or credit that's still being built | As little as 3.5% down with a 580+ credit score | |
| VA loan | Veterans, active-duty service members and eligible surviving spouses | No down payment for eligible borrowers and no monthly mortgage insurance | |
| Conventional loan | Steady income and solid credit | From 3% down; no mortgage insurance once you put 20% down | |
| Jumbo loan | Higher-priced homes in Denver and mountain towns | For loan amounts above the conforming limit (the yearly cap on standard loans), usually with a larger down payment and reserves | |
| Refinance | |||
| Refinance | Lowering your payment, changing the term or taking cash out | Equity in your home and a clear reason the new loan beats the current one | |
| Divorce refinance | Keeping the home after a divorce | Qualifying on your own income to take a former spouse off the loan, timed with the settlement | |
| Invest | |||
| Investor loans | Rental and investment properties | Comparing conventional investment loans, DSCR loans and cash-out refinances | |
| DSCR loans | Rental properties that pay for themselves | Qualifying mainly on the property's rental income instead of your pay stubs | |
A DSCR loan looks at what the rental earns, so your tax returns are not what decides it. Max compares investor lenders and tells you which structure fits the deal.
Max works with several lenders, so more of your buyers have a way to qualify, and he tells you where the loan stands at each milestone.
Banks can only provide their own loans. Max compares many lenders and runs the process with the one that best fits your needs.
Tell Max what you’re looking to accomplish. He’ll walk you through what’s possible, answer your questions, and give you a clear list of what’s needed.
Compare lender options side by side, including rate, monthly payment, cash to close, and timeline. Then get a strong pre-approval so you’re ready to shop.
Max coordinates with your lender, agent, and title company to keep everything on track, keep you informed, and get you to closing on time.
Max works with borrowers across the state, with deep roots in the Denver metro and on the Western Slope.
Somewhere else in Colorado? Call (970) 369-9191.
A bank can only offer the loans it makes. A mortgage broker works with several lenders, compares their options for your situation and handles the process with whichever lender fits best.
It depends on the loan. VA loans can require no down payment for eligible veterans and service members, FHA loans start at 3.5% down with a qualifying credit score, and some conventional loans allow as little as 3% down. Max will tell you which of these you can use and what the cash to close looks like.
No. Different loan programs have different credit guidelines, and FHA loans are designed to be more flexible. The quickest way to know where you stand is a short call with Max.
Often, yes. A DSCR loan qualifies the purchase mainly on the property's expected rental income instead of your pay stubs or tax returns.
Yes. Max focuses on the Denver metro and Western Colorado, including Grand Junction, Montrose and Durango, and works with borrowers across Colorado.
Invest in the West
One call tells you which loan fits, what it takes and what comes next.
