Loan programs
Every good option, explained like a human.
Seven program families cover nearly every Colorado buyer. Each page below gives you the honest version: who it's great for, the real trade-offs, and the questions people actually ask.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — many Front Range commuter towns qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Colorado has real down payment help — CHFA programs can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Jeff will show you. When it doesn’t, he’ll tell you.
Learn more →No idea which one?
Perfect starting point. One text and Jeff compares your real options side by side — takes minutes, costs nothing.
💬 Text JeffPrograms are tools. Jeff picks the right one.
You don't need to become a mortgage expert — that's his job. Tell Jeff your situation and he'll map which programs actually fit.