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Buying a Home.
Just got up to $25,000 easier!
Buy your next home with a grant!

Increase buying power!
Get Pre-Approved < 2 Hours!

it only takes a few minutes to get on the road to homeownership or a move up or move down home to suit your needs! you could buy your next home with a $25,000 Grant... lower your payments, get more home or simply a $25,000 better deal! Only at US Mortgages and as easy as filling out the form below to get started with our no cost no obligation quote
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Loan Programs for Every Buyer!

Conventional

We offer Fixed Rate Loans at standard 15 Year, 20 Year, 25 Year, and 30 Year loan terms. These loans are among the most popyular due to budgeting and no volatility in monthly payments, since the rate is fixed throughout the life of the loan.

FHA

These loans are insured from the Federal Housing Authority to help more buyers qualify for the dream of home ownership, with less rigorous credit guidelines, expanded LTV and income to debt ratio These are offered on either a 15, 20 or 30 Year Loan Term Length Basis.

VA Loans

We also offer Veterans Affairs (VA) Loans to military servicemen and servicewomen, active or honorably discharged. These loans are guaranteed by the US Department of Veterans Affairs, and require as little as $0 down payment and also no monthly mortgage insurance.

USDA Loan

One of the less commonly used products but very valuable government-backed loan we offer is the United States Department of Agriculture Loan or USDA Loan. These loans are a great fit for rural home buyers and incentivize rural home buying by offering an option to buy with as little as $0 down payment.

Why Purchase Your Home with US?

If you're looking to purchase your home anywhere in Colorado, US Mortgages has the products, programs, and guarantees to make it simple.
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WE'RE THE FASTEST LOAN IN THE WEST

Our clients appreciate our fast turn around times; some of the fastest in the industry. For most home loans, the entire process from application to close takes as little as 2 weeks.

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WE HELP WITH CREDIT CHALLENGES

If your credit is less than perfect or maybe newly established, don’t stress, talk to US first! We help people in Colorado buy their dream homes, even with less than perfect credit.

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INNOVATIVE PROGRAMS AND GUARANTEES

We make home buying dreams come true with innovative programs like our Lowest Rate for Life™ and Grant Money Down Payment Program. Get the best deal on your home and also get the lowest rate for life!

What Our Customers Have to Say:

There are a lot of choices in mortgage companies out there, and finding the right one is critical. This is a big purchase! I was fortunate enough to have found Dave M***** at US Mortgages. Dave walked us through the process, got us a great deal on our refi and got it done in a very timely manner, at great rate. Do yourself a favor - when you need a mortgage, there is only one person I would go with - Dave M***** with US Mortgages! 

David M

I had the opportunity to work with Mr. Todd W***** on obtaining a home loan. I was extremely pleased with this experience! His professionalism and incredible knowledge of this process made what could be a very stressful time, very relaxing and stress free! I will always use and highly recommend Mr. Todd for any and all lending needs! 

Dawn M
Making home ownership dreams come true for over 29 years.

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Recent Posts

FHA Loan Requirements in Colorado: A Guide for Homebuyers
April 18 , 2024
7 Crucial Advantages of Opting for an FHA Loan in Colorado
April 15 , 2024
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Equal Housing Opportunity Lender
NMLS #392126

Not all applicants will qualify. 90% CLTV HELOC/HELOAN requires a min FICO of 740. Reduced loan to values available for credit down to 640 score with full documentation of income. maximum debt to income ratio is 50%. Min loan size is 50k and maximum is $500,000. 2nd homes and investment properties also available for HELOC/HELOAN at reduced LTV. HELOC has draw periods of either 3yrs or 5yrs and interest only available for 10yrs. Loan term can be either 20yrs or 30yrs. No appraisal is limited to a max loan of 400k. Home requires sufficient equity and is capped at a combined loan to value percentage of 89.99. "Insta" HELOC maximum CLTV is 80% and requires a 740 score. Min FICO for "Insta" HELOC is 680 and has a limitation of 65% CLTV. 4.99% 3yr fixed has APR of 6.31 as of 5.5.2025 based on 700k loan, requires 760 score and is for VA eligble only. Available as FHA for slightly higher rate and/or APR. Loan is fixed for years 1-3 and then has max caps of 1% annually with a 5% lifetime cap. $25,000 down payment GRANT money requires a min of 6 payments to be made on the new loan for the Grant to be forgiven/satisfied and is open for both first time buyes and repeat buyers whose median hosuehold income is 140% or less than median area average. FHA financing is required as part of the Grant Money. Lowest Rate for Life™ requires customer to maintain good credit history and be able to provide verified proof of employment in accordance with standards set by FNMA, FHLMC and or GNMA. Equal Housing Lender License #392126 Govt ID #25955-00000

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