DENVER REAL ESTATE | COLORADO LIFESTYLESUnderstand your options. Ask better questions. Build a homebuying plan that fits.
These are common starting points for a lender conversation. Program availability and your eligibility depend on individual review.
A mortgage outside a government loan program. Conforming loans follow size and underwriting standards; mortgage insurance is typically required with less than 20% down. Ask which options fit your credit, down payment, and property.
CFPB conventional loan guide ↗Private-lender loans insured by the Federal Housing Administration. Eligible borrowers can make down payments as low as 3.5%. Mortgage insurance applies, and loan limits vary by county. Compare the total cost with conventional alternatives.
CFPB FHA loan guide ↗For eligible veterans, servicemembers, and certain surviving spouses. VA-backed purchase loans may allow no down payment and do not require monthly mortgage insurance. A funding fee may apply unless exempt; lender approval and eligibility requirements still apply.
VA purchase loan guide ↗Designed for eligible borrowers in qualifying rural areas. Some USDA programs allow no down payment. Income and property-location requirements matter, so verify both before planning around this option.
CFPB USDA and special-program guide ↗Loans above the applicable conforming limit. Qualification, down payment, reserves, and pricing vary by lender. Confirm the current limit for your county and property rather than relying on an old nationwide figure.
CFPB non-conforming loan guide ↗CHFA works through participating lenders to offer home loans and eligible down-payment or closing-cost assistance. Assistance may be a grant or second mortgage; review repayment terms, eligibility, and education requirements.
Explore CHFA homeownership ↗The interest rate stays constant. Principal and interest payments stay level, but taxes and insurance can change your total payment.
An ARM usually begins with a fixed period, then adjusts. Ask about the adjustment schedule, rate caps, and the payment if rates rise.
A shorter term usually means higher monthly payments and less total interest. Compare lender quotes using the same loan amount.
Explore these two contacts, review their information, and ask for options tailored to your situation. You are free to choose any lender; the links do not guarantee approval, rates, or program availability.
Visit Jamie’s official loan officer page for her background, contact information, and next steps.
Research Jamie Maynard ↗Explore Kathy’s website for loan programs, mortgage basics, frequently asked questions, and contact options.
Research Kathy Nau ↗Ask a lender about renovation, construction, self-employed, or other specialized financing if your plans require it. Offerings differ by lender.
Explore Payment Scenarios ↗Calculator results are estimates, not a loan offer or approval. Confirm taxes, insurance, HOA dues, mortgage insurance, and other costs with the appropriate professionals.
Educational resources reviewed October 31, 2026. Official guides are linked above. Rates, limits, fees, and eligibility can change; confirm current details directly with your lender. Dane provides real estate guidance; lenders provide loan terms and approval decisions.
Talk to Dane about your home search ↗