Getting Started

In the past Denver mortgage options were limited to 30 year fixed mortgages with 20% down. Today there are many different loan programs to choose from along with options to put less than 20% down on the purchase of your home.

There are several factors to determine which program is best for you, however based on how long you plan to stay in your home and your risk tolerance, there are opportunities that can save you hundreds of dollars on your monthly payments.

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Expected Time in Home

Our Recommendation

Not Very Long (1-3 Years) 3/1 ARM, 1 year ARM or 6 month ARM
A few years (3-5 Years) 5/1 ARM
At least 5 years (5-7 years) 7/1 ARM
Around 10 years ( 7-10 years) 10/1 ARM, 30 yr fixed or 15 yr fixed
A long time (10 plus years) 30 year fixed or 15 year fixed

Loan Programs

  • Monthly payments won’t change

  • Interest rate fixed
  • Protected if rates go up
  • Can refinance if rates go down


  • Higher interest rates
  • Higher mortgage payments
  • Rate does not drop if interest rates improve

Adjustable Rate Mortgages(ARMS)

  • Lower initial monthly payment
  • Lower payment over a shorter period of time
  • Rates and payments may go down if rates improve
  • May qualify for higher loan amounts
  • More risk
  • Payments may change over time
  • Potential for high payments if rates go up

Construction Loans

  • Whether you currently own the land or intend to purchase and build
  • Risk of rates being higher at the end of the initial fixed period
  • Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option

First Time Buyer Programs

  • Lower down payment
  • Easier to qualify
  • Sometimes you may get a lower rate
  • May be subject to income and property value limitations
  • Some programs which have government subsidies may have a recapture tax if you sell the house too early.

Stated Income Programs

  • Don’t need to verify income
  • Faster approval
  • Higher rates

  • Higher down payment

No Point, No Fee Programs

  • No closing costs
  • Less money required to close
  • Higher rates

  • Higher payments

Imperfect Credit Programs

  • Potential for reestablishing credit if you pay your mortgage on time
  • When used for debt consolidation, you may be able to reduce your monthly debt payment
  • Higher rates

  • Terms may not be as favorable
  • Harder to get long term fixed loans
  • Loans may have prepayment penalties

Get In Touch.

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In Addition to these standard loan programs we offer a large number of specialized loans to fit your needs.

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