What Kind of Loans Do We Offer?

Listed below are some of the more common types of loans that we provide.  When we pre-approve you for a mortgage, we discuss your goals to make sure we are recommending the best possible loan for your particular situation.

Learn More About Home Loans on Our Blog

Self-Employed Tax Returns

The underwriting guidelines for self-employed mortgage borrowers are different than they are for W2 employees.  Calculating W2 income is relatively straight forward. In most cases, your current W2 income is used to qualify for a loan.  However, self-employed borrowers (and anyone who receives a 1099 instead of a W2 at the end of the year […]

No W2, No Problem

If you are a W2 employee, one of the documentation requirements to get approved for a mortgage is the previous year’s W2.  Employers are not required to issue W2s until the end of January, so how do you get approved for a mortgage if you don’t have your W2 yet, and your employer won’t give […]

Higher Loan Amounts for 2020

The maximum mortgage loan amounts for conventional, FHA, and VA loans have all been increased for 2020. Here’s what the new loan amounts are, and what the higher loan amounts for 2020 mean for you. The maximum conventional conforming loan amount in the Metro Denver counties (Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson) is now $575,000.  In Boulder […]

Down Payment Problems

Having down payment problems? Some of the best down payment assistance programs available to Colorado residents are the loan programs offered by the Colorado Housing and Finance Authority (CHFA).  CHFA loan programs require a minimum borrower contribution of only $1,000. And now, if you get a CHFA loan from us, it gets even better, thanks […]

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