Every buyer, homeowner, and investor is different. Instead of forcing you into a box, we start with your goals—then match you with the loan that fits your life, not someone else’s.
Pick the path that fits your situation and we’ll point you toward the loan options that usually make the most sense for clients in Colorado and Texas.
Looking for low down payment, clear guidance, and a monthly payment you can live with.
→Moving up, right-sizing, or relocating between CO and TX with equity to work with.
→Exploring lower payments, faster payoff, debt consolidation, or removing mortgage insurance.
→Business-owner or independent contractor whose tax returns don’t tell the whole story.
→Building wealth with rentals or short-term rentals and want financing that tracks the property.
→VA-eligible and want to maximize your earned benefits for purchase or refinance.
→These are the core programs we use most often. On our first call, we’ll narrow this list to one or two options that fit your budget, timeline, and long-term plan.
Flexible fixed or adjustable rates with more control over mortgage insurance and terms.
Designed to help more buyers qualify with flexible credit and low down payment options.
Zero-down financing with powerful benefits for those who have served our country.
Zero-down financing for select areas, ideal if your dream home isn’t right in the city center.
Tailored options when your loan amount is above standard conforming limits.
When traditional guidelines don’t fit, we explore responsible alternatives that still make sense on paper.
Uses business or personal bank statements to document cash-flow instead of traditional tax returns.
Qualify primarily on the property’s cash flow instead of your personal debt-to-income ratio.
A few quick, high-level answers to help you narrow things down. We’ll get specific to your numbers and goals on our first call.