Loan Programs
Flexible financing solutions for every Colorado homebuyer
As a mortgage broker, Alex has access to a wide range of loan programs from dozens of lenders. Whether you're buying your first home, refinancing, or investing, there's a program designed for your needs.
Conventional Loans
Traditional mortgage financing with competitive rates. Ideal for borrowers with good credit and a down payment of 3–20%. Available in fixed and adjustable-rate options.
- Down payments as low as 3%
- Fixed & adjustable rates
- No upfront mortgage insurance with 20% down
FHA Loans
Government-backed loans designed for first-time homebuyers and those with less-than-perfect credit. Lower down payment requirements make homeownership more accessible.
- Down payments as low as 3.5%
- More flexible credit requirements
- Great for first-time buyers
VA Loans
Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses. No down payment required and no private mortgage insurance.
- No down payment required
- No PMI
- Competitive interest rates
HELOCs & 2nd Mortgages
Tap into your home's equity without refinancing your first mortgage. Ideal for home improvements, debt consolidation, or major expenses while keeping your existing rate intact.
- Access equity without touching your first mortgage
- Flexible draw periods with HELOCs
- Fixed-rate 2nd mortgage options available
Jumbo Loans
Financing for higher-priced properties that exceed conventional loan limits. Ideal for luxury homes and high-cost Colorado markets.
- Loan amounts above conforming limits
- Competitive rates for qualified borrowers
- Fixed & adjustable options
Refinance Loans
Lower your rate, reduce your monthly payment, or tap into your home's equity. Alex will help you determine if refinancing makes sense for your situation.
- Rate & term refinance
- Cash-out refinance
- Streamline refinance options
Reverse Mortgages
A flexible retirement financing solution for homeowners age 62+. Convert a portion of your home's equity into tax-free cash — with no required monthly mortgage payment. Available for both refinance and home purchase.
- No required monthly mortgage payment
- Available for purchase or refinance
- You retain ownership and title
Commercial Loans
Financing for investment properties, mixed-use buildings, and business real estate. Commercial loans are evaluated on a case-by-case basis — reach out to discuss your specific property and goals.
- Evaluated on a case-by-case basis
- Investment & mixed-use properties
- Contact Alex to explore your options
Not Sure Which Program Is Right for You?
Alex will review your situation and recommend the best loan program for your goals.
Talk to Alex