Mortgage Loans

Homes, condos, two-four family residences, multifamily

Need a basic or non-traditional mortgage?

We can help you with the following loan programs:

Mortgage Products Colorado

  • New Homebuilder Loans. Check to see if we can beat the builder.

    • Conventional Loans

  • First-Time Home Buyers
  • Vacation and Second Home Loans
  • Jumbo loans up to $10,000,000
  • 90% financing up to $1.5 million; (740 credit, 6 to 9 months of liquid reserves)
  • 3-percent down payment conventional loans
  • 3.5% down payment FHA loans; (credit scores 500-579 requre 10% down.)
  • Zero down payment - VA Loans  (members of the military including spouses)
  • Borrowers with 1 year old bankruptcy, short sale, or foreclosure

    • Condo Loans

  • High-rise or non-warrantable with HOA issues. Structural or budget issues not eligible.
  • Condo-tel loans; condos that allow daily or weekly rentals by HOA management

    • Investment Property Loans

  • Conventional loans for 2 to 4 unit mortgage for a duplex, triplex or fourplex
  • DSCR loan for investors on homes, condos, multifamily mixed-use residential. Quick and easy
  • Fix and Flip loans for investors up to 85 LTC and 70 ARV
  • Short term bridge loans, 6-to-24 months. (No denial for low income or high DTI)

    • Non-QM Self-employed Loans (alternative income without tax returns)

  • 12 or 24 months bank statement loans for self-employed borrowers up to $7 million
  • 1099. Qualify using 1099 statement(s). Ideal for contractors, gig workers, 1099 employees up to $4 million
  • Profit & Loss statement loans for business owners (solo, small or large) up to $5 million
  • K-1 income loans for partners and corporate officers/owners up to $4 million
  • Loans for borrowers with $500,000 liquid assets or more; Ideal for high-net worth borrowers, retired, or self-employed
  • No Ratio loans for borrowers up to $2.5 million; No Job, No Income disclosed on application

    • Second Mortgage Loan & HELOC

  • Home Equity loans up to 90 LTV. primary, second homes and rental properties (2-3 years of tax returns)
  • Rental Property Second Loans - No personal income or tax returns - DSCR second loans and DSCR HELOC. Easy peasy
  • » Commercial Real Estate Loans Colorado and nationwide
  • » Multifamily Loans for (5 or more units) in Colorado and nationwide

Disclosure: The minimum loan amount is $150,000 for residential properties unless specified higher; $250k for commercial. Loan programs are subject to change per lender at any time until the loan is approved and the rate is locked. Borrowers must be approved by underwriting. Not all applicants will qualify.