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Loan Options

There's More Than One Way
to Get Home

Every buyer's situation is different — and there's no one-size-fits-all loan. Here's a plain-language look at your options so you can start to figure out what fits.

For First-Time & Primary Home Buyers

These are the most common loan types for buyers purchasing the home they'll live in.

First-Time Friendly

FHA Loan

Flexible credit and down payment requirements. One of the most accessible paths to homeownership for buyers who are just getting started.

3.5% down 580+ credit Gov't-backed
Most Common

Conventional Loan

The most widely used loan type. Works across a range of situations — and mortgage insurance goes away once you reach 20% equity.

3% down 620+ credit PMI drops at 20%
Veterans & Military

VA Loan

A powerful benefit for those who've served. No down payment required and no private mortgage insurance — ever.

$0 down No PMI VA-eligible only
Zero Down

USDA Loan

No down payment for eligible rural and suburban areas. More locations qualify than most buyers expect — including many suburbs.

$0 down Eligible areas only Income limits apply

🔍 FHA vs. Conventional — Which One Costs Less for You?

Not sure whether FHA or conventional is the better fit? See a real side-by-side cost breakdown, the credit score crossover point, and which one makes sense for your situation in Colorado.

See the Comparison →

For Investors & Move-Up Buyers

Buying above standard limits or growing a real estate portfolio? These options are built for that.

Real Estate Investor

DSCR Loan

Qualify based on the property's rental income — not your personal W2 or tax returns. Built for investors who are scaling a portfolio.

Investment only No W2 required 20–25% down
Move-Up Buyer

Jumbo Loan

For home prices above the standard conforming loan limit. Competitive rates and more flexibility than most people expect.

Above $832,750 700+ credit Strong reserves

Not Sure Which One Fits?

That's exactly what a Clarity Call is for. We look at your credit, savings, and goals together — and I'll tell you honestly which loan makes the most sense for your situation.

Schedule a Free Clarity Call Not ready to talk yet? Start with the Homebuyer Roadmap →