FHA Home Loans Offer:

  • Low Down Payments

  • 100% Gift Down Payments

  • Great Rates for Those with Past Credit Issues

  • Stop renting and get into a domain that's 100% you.

  • Federally Insured FHA Mortgage Can Save You Thousands Each Year!

To promote home ownership, the Department of Housing and Urban Development (HUD) insures FHA backed mortgages. This program has been available to the American public since the turn of the great depression in 1934. It is extremely popular for those with less than 5% down payment, first time home buyers, or those looking for a home loan with less than perfect credit. 

Because HUD backs the borrower's loan, the banks are able to accept as low as 3.5% down payments, more relaxed underwriting requirements, co-signers and the borrower can even receive monetary gifts from friends or family members to get the down payment. If a co-signer is needed, the relative does not need to be an occupant of the household. They will be financially obligated on the loan as well, but it can be a great option for those looking to buy a home after a bankruptcy. 

  • Low Down Payments starting at 3.5%.

  • More flexible underwriting guidelines than conventional loans.

  • Down payment financing possible. 

  • Family members can be a non occupant co-signer.

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

  • No minimum cash on hand requirements after closing.

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

  • FHA loan limits are equal to conventional limits. 

  • Can qualify just 2 years after chapter 7 bankruptcy

  • Qualify with 12 months history of Chapter 13 payments. 

  • Qualify after 3 years from short sale / foreclosure. 

Benefits of FHA Loans
Refinance or Pull Cash From My FHA Loan

With an FHA-203K Loan a current FHA borrower can refinance their existing loan to qualify for a lower rate, reduce payments, or pull cash out of equity to remodel or upgrade. A borrower can pull out up to 85% of their loan to value (LTV) for upgrades, paying off high interest debt, eliminating student loans, or for investments into themselves or a business. 



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.