Mortgage Loan Programs

Which Mortgage is Right for You?

Embarking on the journey to homeownership is an exciting venture, and finding the right mortgage is a crucial step in realizing your dream. At The Colorado Mortgage Team, we understand that every homeowner's journey is unique, and there's no one-size-fits-all solution. That's why we offer a diverse range of mortgage programs tailored to suit your individual needs and financial aspirations. Whether you're a first-time buyer, a veteran, or someone looking to refinance, we're here to guide you through the maze of mortgage options. Let's explore together and discover the mortgage that's perfect for you. Welcome to a world of personalized home financing solutions at The Colorado Mortgage Team!

Get Started
Loan Programs Graphic

Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

learn more
Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...

learn more
Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

learn more
Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

learn more

Loan Program Options

USDA loan Thumbnail
Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

FHA loan Thumbnail
FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA loan Thumbnail
VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

Jumbo loan Thumbnail
Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The conforming loan limits are set by the Federal Housing and Finance Agency (FHFA) and change every year.

USDA loan Thumbnail
Simple Interest Loan

This revolutionary product is what financially savvy borrowers utilize to to significantly reduce their mortgage interest paid, eliminate their mortgage balance quickly, fund future investment opportunities and safeguard their finances during economic slowdowns. 

FHA loan Thumbnail
Down Payment Assistance

Also Known as First Time-Homebuyer Programs but not limited to only new homebuyers.  These programs work with all the major loan types including FHA, Conventional, USDA and VA loans to provide you the money to cover the minimum down payment required and/or closing costs.

VA loan Thumbnail
Non-QM / Non-Prime Loans

Unlike traditional mortgages, Non-QM loans offer more flexibility in terms of borrower qualifications. They cater to individuals with unique financial situations who may not fit the strict guidelines of conventional loans. 

Jumbo loan Thumbnail
USDA Loans

USDA loans are low-interest mortgages with zero down payments designed for lower income Americans who don't have good enough credit to qualify for traditional mortgages. Both the borrower and the property must meet certain eligibility guidelines.

Get Your Mortgage Questions Answered Today!

What our customers say