Traditional lending
We work with a wide panel of lenders rather than one balance sheet, so the program follows your situation instead of the other way around.
Colorado has programs that cover part or all of a down payment for qualifying buyers, often paired with a conventional or FHA first mortgage. The trade-off is usually a slightly higher rate or a second lien, so it's worth comparing side by side rather than assuming assistance is always the better deal.
If your tax returns show aggressive write-offs, agency underwriting can badly understate what you actually earn. Bank statement programs qualify you on 12 or 24 months of deposits instead. Expect a larger down payment and a rate premium over conventional.
DSCR loans qualify on the property's rent against its payment — no personal income documentation. Useful for investors whose returns already look strong on paper but whose tax profile complicates a conventional application.
Government programs remain the lowest barrier to entry: FHA for lower credit scores and small down payments, VA for eligible service members with no down payment and no monthly mortgage insurance, USDA for qualifying rural addresses.
The default for buyers with documentable income and reasonable credit. Worth revisiting on a refinance whenever rates move, mortgage insurance can be removed, or you want to consolidate a second lien.
Tell us what you're trying to do and we'll tell you honestly whether it works, what it costs, and what comes next.
