Conventional Mortgages 

As little as 3% Down.

100% Yours.

What are Conventional Home Loans?

Conventional loans are great options for those with stronger credit history and/or larger down payments. Underwriting must conform to Fannie Mae and Freddie Mac guidelines so there are benefits to those who are able to qualify, over an FHA loan. 

Qualified candidates can receive better interest rates with higher credit scores (720+) and larger down payments. PMI Insurance can also be avoided if the buyer has 20%+ down payments. If the buyer wants to remain with less than 20% down, sometimes a second mortgage can be taken to still avoid paying for mortgage insurance for the life of the loan. However, despite many misconceptions, we can still qualify home owners for as little as 5% down! If you're purchasing an investment property or a second home, you will need to utilize the conventional mortgage option. 

For those looking to live in the home for a shorter term, or for fix and flip type investors, an adjustable rate mortgage (ARM) can be a good option. While these rates do go up as the loan progresses, it can be a very affordable initial payment and is a great option for those looking to sell the property within a few years

  • Current rates as low as 3.5% WAC!

  • Fixed rates or adjustable options available.

  • Down payments over 20% can avoid PMI (Mortgage Insurance) for the life of the loan. 

  • Down payments as low as 5% are available. 

  • Family or friends may gift or loan the down payment.

  • Available for condos subject to lender approval, unlike FHA loans which condo complexes must be approved for.

  • Purchase two to four plex unit; occupy one, rent the others. 

  • Jumbo loans are available for those exceeding the Fannie Mae and Freddie Mac limits. 

  • Roll remodel costs into loan at time of origination.

Benefits of Conventional Home Loans
Pay For Remodel or Upgrades with a Conventional Loan!

Looking to purchase a house and upgrade it to your home? Perhaps it's time to get that new kitchen you've been dreaming of? A conventional mortgage can roll in remodeling expenses into the purchase of a new home, or can utilize the equity you've built in a refinance. Build the home you've always desired and be the desirable home of the neighborhood!



We value the opportunity to help first time home buyers and those with less than perfect credit get into their own property. Home ownership is a valuable investment in the state of CO, and as a local, family owned company, our mission is to help other local families own their property and build a valuable asset. Being in business for over 20 years we have come to know the CO real estate market very well and pride ourselves as being an extra set of protective eyes for our clients to ensure you're not over paying in the currentlly inflated Colorado real estate market.