Home loans in Colorado
Countless loan programs for buying, refinancing and investing. Max compares each one across several lenders and tells you which best fits your situation.
A short call. No obligation,
no paperwork to start.
Max Henry · Senior Loan Officer · NMLS #2186109
What each loan is for
Pick the one that sounds like your situation, or answer three questions and let the loan finder suggest a starting point.
| 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 | |
Working With Max
Banks can only provide their own loans. Max compares many lenders and runs the process with the one that best fits your needs.
Start with a conversation
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 & pre-approve
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.
Get to the closing table
Max coordinates with your lender, agent, and title company to keep everything on track, keep you informed, and get you to closing on time.
Talk through your loan today
One call tells you which loan fits, what it takes and what comes next.