Home Loan Programs in Denver, CO

Loan Programs for Your Unique Financial Goals.

If you're a first time home buyer, a current homeowner, a US veteran, have a perfect credit score, less than perfect credit score, or just going through a divorce, we offer a wide variety of home loan programs including FHA loans, VA loans, and loans designed for no or low credit score. We also offer resources and a skilled team of mortgage lenders that guarantee to help anyone achieve their personal financial goals.


Conventional Mortgage

US Mortgages offers various kinds of conventional loan rates available to prospective homebuyers. How can a conventional loan help you reach your ...

Conventional Mortgage

US Mortgages offers various kinds of conventional loan rates available to prospective homebuyers. How can a conventional loan help you reach your financial goals and improve your family's quality of life? Learn more about the conventional home loans US Mortgages offers, and get a feel for if you may qualify.

Conventional Mortgage

A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the underwriting guidelines mandated by Fannie Mae and Freddie Mac commonly require a down payments of at least 3%. Borrowers who have more cash and who have at least 20% to use for a down payment do not have to pay mortgage insurance premiums (typically required with FHA loans).

Borrowers that choose conventional mortgages typically make larger down payments than borrowers that choose the FHA option, and they tend to have a more secure financial standing, are less likely to default on the loan. A larger down payment also translates to lower monthly payments. Consequently, with the mortgage insurance premiums on FHA loans, payments for conventional loans that don’t require private mortgage insurance can be much more manageable in comparison.

What are the Requirements for a Conventional Loan?

Requirements can vary from lender to lender, but  a good rule of thumb is that a 620 FICO score is typically the minimum credit score needed to obtain a conventional loan, and 740 is the minimum score you’d need to get a better interest rate. The term or length of the loan for a conventional mortgage is usually 15, 20 or 30 years. If you’re refinancing with the US Mortgages Goal Keeper Refinance™ you can also choose a term to match the existing length of time you still owe on your existing mortgage. This is a great option when you want to refinance but don’t want to start the repayment clock all over again.

Which Mortgage Program is Best for You?

If you have questions or would like to know about which program is right for your unique financial situation and goals, just reach out to US today and speak with one of our knowledgeable, licensed Personal Mortgage Advisors about which loan programs are right for you and your family.

FHA Home Loans

What separates an FHA loan from a conventional loan? The biggest difference between these two loan types that US Mortgages offers, is that FHA ...

FHA Home Loans

What separates an FHA loan from a conventional loan? The biggest difference between these two loan types that US Mortgages offers, is that FHA loans are backed by the US Federal Government, specifically the Federal Housing Administration.

Who qualifies for a Federal Housing Administration (FHA) Loan?

The FHA program was developed to make loans accessible to people who could only afford a low down payment or who had less than perfect credit in the 1930's. Since then, the program has helped countless Americans pursue their dream of home ownership. FHA requirements include a credit score of 560+ and a down payment of 3.5% to qualify borrowers for an FHA loan, though there are other factors including steady employment, LTV and DTI ratios that can impact eligibility.

A less-than-perfect credit score doesn't have to mean the end of the line when searching for a home. At US Mortgages, we believe that everyone should have the opportunity to purchase their own home at affordable rates. That's why we pledge to work with you to create a loan specific to your financial situation, ensuring your success while keeping you on budget.

What are the advantages and disadvantages to FHA Loans?

The FHA Loans rate requires that borrowers purchase personal mortgage insurance (PMI). When speaking with an expert from our office, we will be sure to go over these items with you if you are not familiar with PMI. Because of the safety net that mortgage insurance provides to the lender, we are able to offer loans at traditionally lower interest rates. While FHA loans do require a down payment, mortgage insurance lowers the total amount. Those with quality credit scores can purchase a home with down payments as low as 3.5%, however less desirable credit scores can require a minimum down payment of a least 10%.

If you're wanting to know if what FHA home loan rates are available for you and will help you and your family reach their financial goals, contact US Mortgages! Feel free to provide us your contact information as well as any initial questions you may possess about an FHA Mortgage. You can also give us a call and get the ball rolling on your FHA Loan and future of home ownership today!

VA Home Loans

One small way the Federal government gives back to the servicemen and women of our country is through offering a government backed mortgage loan ...

VA Home Loans

One small way the Federal government gives back to the servicemen and women of our country is through offering a government backed mortgage loan with attractive associated rates.

At US Mortgage, we are proud to provide our veterans with access to VA home loans - at low to no down payment, lower interest rates, and with access to simple refinancing through. You have served your country, now let us serve you. You've earned the right to own the home of your dreams, with a monthly payment that you can afford.

Learn more about VA home loans, who qualifies and how to start on your path towards a VA Loan.

VA Mortgage Requirements

Credit requirements and costly down payments can make the idea of purchasing a home seem out of reach for many veterans and active duty military personnel. Veterans Affairs Loans, or VA Loans were established to ease this financial burden on the men and women who have already sacrificed so much for our country. Available with little to no down payments, and at greatly lowered interest rates, VA home loans allow servicemen, servicewomen and their surviving spouses to own a home.

Veterans who qualify for a VA Cash-Out refinancing loan will have the opportunity to receive cash from the value of their home, while also restructuring their current mortgage into a lower rate, or for a shorter term. It is not required that your original loan be a VA loan to refinance through VA Cash-Out refinancing!

At some of the lowest rates, VA Loan funds can be used for purchasing a home or cash-out refinancing a home.

What are the requirements for VA Loans?

There are several specific qualifications to be met before being eligible for a VA home loan rates. The length of your service, duty status and character of service all determine eligibility for home loan benefits around. Learn more about VA Loan mortgage on the VA Benefits website.

What are the next steps to getting a VA Loan from US Mortgages?

We recommend getting the necessary paperwork from the VA before discussing rates and options with our office in Colorado. Find out more about how to get your Certificate of Eligibility and what other paperwork you may need to provide by reviewing the US Department of Veterans Affairs website on the subject.

USDA Home Loans

What is the USDA Program? How can you qualify for the USDA loan program? Where can you find more information about the program and how to get ...

USDA Home Loans

What is the USDA Program? How can you qualify for the USDA loan program? Where can you find more information about the program and how to get started? Learn more below.

What is the USDA loan program?

The USDA loan program is primarily available to rural homebuyers seeking a single-family home. With cost of living increasing across the board in nearly every major city in the country, the appeal of rural and suburban life is becoming more and more alluring to many urbanites. The intention of the USDA Loan Program is to provide attractively low rates to homebuyers that are impossible to find within city limits. Though this is a government program, the government is not the direct lender – the loan is given through local partners like US Mortgages.

As the local population continues to increase, and home rent costs skyrocket, the benefits of the USDA loan program are very apparent. USDA loan applicable properties do not require a down payment, and allow the property to be purchased for no money down. Credit requirements on USDA loans are much more flexible than more traditional mortgages, further removing restrictions on first time buyers who may have subpar credit. With these loans, you and your family can easily purchase a rural or suburban home as a stable foundation to grow.

How can you qualify for the USDA loan program?

Qualifying for the USDA loan program is primarily an issue of location of your property. Rules, regulations, and qualifications can vary between locations, we recommend looking at United States Department of Agriculture Rural Development for specifics on what locations have USDA loans available. Properties are generally smaller than 2,000 sq. ft., and must be used as the homeowner's primary residence. Income limits vary depending on county and the number of people in your household. The purpose of these loans is to allow low and moderate-income households to own safe and modest homes as their primary residence.

About US Mortgages

US Mortgages has been helping people own their homes since 1996. Let us know how to reach out to you, or give us a call to let us begin improving your family's financial situation with a USDA loan today.

Home Equity Line of Credit

We offer both home equity and HELOC loans. They are similarly named but function very differently. There are home equity term loans and home ...

Home Equity Line of Credit

We offer both home equity and HELOC loans. They are similarly named but function very differently. There are home equity term loans and home equity lines of credit (HELOC). Home equity term loans is a lump sum loan based on the equity in your home that is to be paid back over a designated amount of time. This contrasts with a home equity line of credit, which functions a little more flexibly.

Best Home Equity Loan Rates

Home equity loans offer the opportunity for home owners to leverage their equity to their benefit. Think of it like a credit card with a time and a credit limit. These lines have a variable interest home equity loan rates that change over the course of the loan. HELOC loans also require withdrawal of a certain amount each time the line of credit is accessed.

Home equity lines of credit are perfect for homeowners with less fixed, varied expenses to ensure that they always have access to funds, while protecting the borrower from overpaying interest on money they aren't using. Many people choose a home equity line of credit to pay for college expenses, or to reinvest in their home with an expansion or remodeling.

Alternately, a home equity loan is ideal for borrowers looking to pay off a large, one-time expense. While a home equity loan will have an interest rate greater than that of a home equity line of credit, it its tax deductible up to $100,000, and is paid back in fixed monthly payments. Ideal for single large expenses, these loans are perfect when an unexpected cost interrupts your budget.

Get the Lowest Rates on Home Equity Loans

If you'd like to learn more about the HELOC loans offered by US Mortgages, let us know your contact information and we'll be in touch as soon as we can. Alternatively, feel free to give us a call at our office with any questions you may have about home equity lines of credit or any of the other loan products we offer.

Bank Statement Loans

Have you been turned down by other lenders for being self-employed? Being your own boss has many advantages, but when it comes to proving your ...

Bank Statement Loans

Have you been turned down by other lenders for being self-employed? Being your own boss has many advantages, but when it comes to proving your income, many self-employed potential homeowners are turned away from traditional loan programs. Stated income loans in Colorado have become increasingly more common, and it is not hard to see why. Our state's economy is growing rapidly, in no small part thanks to entrepreneurs like you. Still, even with steady income, many self-employed people with good credit have difficulty providing an exact figure for their monthly and annual salaries.

With US Mortgages, we understand that self-employment is a great way for many people to secure the brightest financial future for themselves and their families. Since we understand the validity of self-employment as a career path, we have started to offer a way for self-employed hopeful homeowners to get approved for mortgages and refinancing with our Bank Statement Loan Program.

How is the bank statement loan program we offer at US Mortgages different?

Perfect for those with good credit, who would otherwise qualify for a loan but have difficulty proving their income, our bank statement program makes homeownership possible. When doing mortgages for people who are traditionally employed (through W-2s) we typically ask for pay stubs, tax returns and contact their employer for employment verification. With self-employment, this approach is not possible. However, with the right circumstances present on your bank statement, we will be able to get you into a home, regardless of the kind of employment you have.

Our bank statement program has both fixed rate and adjustable rate mortgages. In exchange for a larger down payment, US Mortgages offers qualified applicants competitively low rates compared to other loan programs.

Are you self-employed and want to learn more about our bank statement loan program?

To learn more about our bank statement loan program and see if one of our hundreds of loan products is right for helping improve the financial health of your family, let us know! You can provide your contact information online and we'll get in touch with you as soon as we can. Another way to get in touch is calling us directly and we will be able to answer any questions you may have.

Stated Income Loans

Are you looking for a stated income loan? You've found one of the best with US Mortgages! US Mortgages is one of the few alternative income ...

Stated Income Loans

Are you looking for a stated income loan? You've found one of the best with US Mortgages! US Mortgages is one of the few alternative income mortgage lenders that offer loans without the traditional 2yrs of Taxes and or 2yrs of w2's to qualify. Who is eligible and how to get started on your alternative income mortgage below.

What stated income loans are available to homeowners?

Stated income loans are no longer available due to a change in lending laws. However we do allow an alternative process for verifying income! US Mortgages helps more people get into the home of their dreams by offering alternative income loans to borrowers with asset depletion or bank statement options to qualify ability to repay in lieu of 2yrs taxes or w2's.

While income will not be verified, buyers must be prepared present their full credit history, and make a much more sizeable down payment. Many buyers though, particularly those who are self-employed, and/or have large reserves of cash on hand, find that the larger down payment is well worth not having to go through the complicated process of proving their income.

Let us know how to get in touch with you to assess your financial situation and see if you and your family qualify for stated income loans through US Mortgages.

Who benefits from stated income mortgages?

It is easy to understand why stated income mortgages have seen such a rise in popularity recently. With economic growth comes a wide range of potential borrowers with good, steady employment, but who may also have difficulty providing an exact figure for their monthly and annual incomes.

Stated income loans are perfect for people who are self-employed, or for the entrepreneurial investor with cash on hand. For example, many people whose income comes primarily from real estate investment can be considered self-employed and may have trouble securing an additional mortgage because their debt to income ratio would prevent them from purchasing another investment property.

Let us be Your Stated Income Mortgage Broker

US Mortgages has been a stated income mortgage lender since 1996. Let us know how to reach out to you, or give us a call to let us begin improving your family's financial situation with a stated income loan today.

Reverse Mortgage

Structured for seniors age 62 and up, a reverse mortgage on your property allows you to receive payments from a lender on the equity of your home. ...

Reverse Mortgage

Structured for seniors age 62 and up, a reverse mortgage on your property allows you to receive payments from a lender on the equity of your home. Those seeking funds for the expenses that can incur with age can take advantage of reverse mortgage rates and use the value of your property now, only to be paid back after you sell or leave the home, or the homeowner passes away.

Reverse mortgages are an incredible tool for supplementing income. There are very specific qualifications for people who qualify for the reverse mortgages solutions offered by US Mortgages. Learn more about the eligibility requirements for reverse mortgages and the kinds of reverse mortgages we have available.

We are Reverse Mortgage Brokers

Our reverse mortgage solutions can provide older residents with much needed financial security. Your regular mortgage payments can be eliminated, while you receive payments from the lender on the equity of your home. You can continue living in your home while collecting payments, and are not required to repay the mortgage until you leave the home.

With a reverse mortgage, you do not risk losing your home. So long as property taxes and homeowner's insurance continues to be paid, your home cannot be taken from you.

Reverse mortgages allow homeowners to convert the equity they've put into their home into supplemental income. In Colorado, reverse mortgage lenders pay homeowners one of two ways during the term of a reverse mortgage rate: a lump sum or monthly payments. Frequently reverse mortgages are used to supplement income of aging adults who have a fixed income for a variety of reasons.

Reverse Mortgage Lenders Counts On

Borrowers must be aged 62 or older. Homeowners insurance and property taxes must be paid up to date to qualify. Borrowers must also live in the home to qualify for a reverse mortgage. Are you interested in taking the next step towards a reverse mortgage by speaking with brokers? Feel free to give us your contact information on our website and we'll get back to you as soon as we can. We also welcome you to give us a call at our office to learn more about reverse mortgages, their rates, and if they're right for you and your family.

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Loan Programs FAQs

How can the FHA help me buy a home?

The FHA or Federal Housing Administration is a United States government agency created in part by the National Housing Act of 1934. The FHA sets standards for construction and underwriting and insures loans made by banks and other private lenders. The FHA insures mortgages with the lenders, giving mortgage lenders the ability to grant home loans to people who might not qualify for conventional mortgages. To make homeownership more affordable, the down payment requirements for an FHA home loan are considerably lower than a conventional mortgage, usually 3.5% as compared to 20% of the total purchase price of the home. Speak to our FHA lenders today to discuss Colorado FHA loan limits and go over Colorado FHA loan requirements.

How much do I need for a down payment with an FHA mortgage?

"You can get an FHA home loan for as little as 3.5% down payment. That means to purchase a $250,000 home, you would only need a $8,750 down payment. The down payment may also be ""gifted"" to the borrower from a family member. This makes the FHA home loan a great option for most first-time home buyers. To learn more about FHA home loan benefits, talk to a US Mortgages Personal Mortgage Advisor. "

Do I need to apply directly to the Federal Housing Administraation for an FHA home loan?

No. The Federal Housing Administration does not make loans directly to the public.The FHA works through a network of FHA approved lenders like US Mortgages.

What is mortgage insurance and why do I need it?

Mortgage insurance or as it is sometimes referred to as MI, protects the lender against the possibility that a borrower defaults on the mortgage. This should not be confused for homeowners insurance which protects the homeowner against damage to the home. Mortgage Insurance gives mortgage lenders the confidence to originate competitively priced mortgages to people with less than ideal credit backgrounds. With an FHA home loan, the borrower can pay for the mortgage insurance with an upfront payment and a make small additional payment along with their monthly principal and interest payment.

Can I qualify for an FHA loan if I’ve had a bankruptcy?

Yes. A bankruptcy does not disqualify an applicant from qualifying for an FHA home loan. If the applicant has established a responsible payment history since the bankruptcy they may qualify for an FHA mortgage two years after the discharge of a Chapter 7 bankruptcy, and one year after the payout period for a chapter 13 bankruptcy.

Looking for an FHA loan, Denver or surrounding areas, and have questions? Not sure if you qualify? Call us today with your Denver, Colorado FHA loan questions!

Who is eligible for a VA home loan?

Anyone who has served 90 consecutive days of active service during wartime, or 181 days of active service during peacetime, or anyone who has more than 6 years of service in the National Guard, or Reserves, or you are the spouse of a service member who died in the line of duty or as a result of a military service related injury. To find out if your eligible talk to a US Mortgages Personal Mortgage Advisor or visit for more details.

What is the benefit of using a VA mortgage loan versus a conventional mortgage loan?

Qualified buyers have the opportunity to purchase a home with no down payment using a VA home loan. Additionally, there are no monthly MIP (mortgage insurance premiums) and require no out of pocket costs to close their loan. Colorado VA loans typically have lower monthly payment compared to other loans because they typically come with more competitive rates. Denver VA home loans have lower credit qualifying standards than other loan programs and if you are looking for a cash out refinance you can even take out 100% of your available equity. VA benefits are an earned benefit but 1 in 3 vets aren't even aware their home buying and refinancing benefits and only 13% actually use these benefits, despite US veterans having the highest percentage of home ownership out of any group in the US. 

What is the maximum amount you can borrow with a VA mortgage loan?

Technically, there is no maximum VA loan. It’s limited by the value or the purchase price, however, most lenders generally limit the maximum VA mortgage loan to $453,100. You should consult with a Personal Mortgage Advisor for more information on loan limits and to verify your eligibility.

What are the income requirements for a VA loan?

Homebuyer’s eligible for a VA home loan do not have any income threshold for using their VA home loan benefits. However, VA borrowers are expected to have stable, consistent income that will cover their monthly expenses, including their new mortgage payment. US Veterans can qualify using their VA disability payments.

If you are looking for a VA loan specialist, Denver, Colorado's own US Mortgages is here for you!

What is does HARP stand for?

HARP stands for the Home Affordable Refinance Program. Introduced in March 2009, HARP enables borrowers with little or no equity to refinance into more affordable mortgages without new or additional mortgage insurance. HARP targets borrowers with loan-to-value (LTV) ratios equal to or greater than 80 percent and who have limited delinquencies over the 12 months prior to refinancing.

How do I know if I'm eligible for the H.A.R.P. Program?

You may be eligible to refinance yusing the HARP program if you meet the following criterea:

  1. The mortgage MUST be owned or guaranteed by Fannie Mae or Freddie Mac
  2. The mortgage MUST have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  3. The mortgage CANNOT have been refinanced under HARP ® previously unless it is a Fannie Mae loan that was refinanced under HARP ® from March-May, 2009.
  4. The eligible borrower MUST be current on the mortgage at the time of the refinance, with no late payment in the past six months and no more than one late payment during the past 12 months.
  5. You can demonstrate a reasonable ability to pay the new monthly mortgage payments.
  6. The HARP refinance will improve the long term affordability or stability of your loan.
How do I know if my loan is owned by Fannie Mae or Freddie Mac?

Both Fannie Mae and Freddie Mac have established toll-free telephone numbers and web submission processes to make this data available. Homeowners can enter information to determine if either agency owns or guaranteed the loan. This information is not a guarantee of eligibility for a refinance under HARP ®, as other qualifying criteria must also be met. To save time, our Personal Mortgages Advisors can also look this up information for you, so Talk to US First!

For Fannie Mae:
For Freddie Mac:

Are condominiums eligible for refinance under HARP?

Condominiums are already eligible under HARP® and, under the enhanced program. Condominiums that had met Fannie Mae/Freddie Mac requirements bprior to the enchanced program remain eligible.

How do I apply for a HARP refinance?

Applying for a HARP refincnance is simple. First, a Personal Mortgage Advisor will ask you some simple qualifying questions and then have you complete an application, just like a traditional mortgage transaction. It helps speed up the process when you have the necessary documents ready for the Personal Mortgage Advisor. Here is a list of the most common documents needed when applying for a HARP refinance:

  1. Information about the monthly gross (before tax) income of all the homeowners on your loan, including recent pay stubs if you receive them, or documentation of income you receive from other sources
  2. Your most recent income tax return
  3. Information about any junior or subordinated mortgage liens on the property.
  4. The account balances and minimum monthly payments due on all of your credit cards.
  5. Account balances and monthly payments on all of your other current debts.
Can I get cash out on a HARP refinance to pay off other debts?

No. The Home Affordable Refinance Program can only be used to change rate or term of the loan and cannot return cash to the borrower for the purpose of paying other debts.

What is an upfront mortgage insurance premium?

An upfront mortgage insurance premium is an initial fee paid when taking out a mortgage. This fee covers the cost of the insurance policy and covers the lender in case of default. It is typically required for mortgages backed by the Federal Housing Administration (FHA).

What is a cash-out mortgage loan?

A cash-out mortgage is a type of home loan that allows a homeowner to refinance their existing mortgage and access the equity, or cash value, built up in the home. This refinancing option entails taking out a new loan for more than you currently owe on your principal balance, allowing you to get the difference in cash.

Do I need Private Mortgage insurance?

It depends on the type of loan you are applying for. If you are applying for an FHA loan, then a mortgage insurance premium (MIP) is required to secure the loan. For a conventional loan, private mortgage insurance (PMI) may be required if your down payment is less than 20% or if you have a no-credit mortgage. Speak to one of our lenders today and they can help determine what type of insurance will be needed for your particular situation.

How can being a part of a credit union help me?

Being a part of a credit union can provide numerous benefits that may help you when applying for a loan. Credit unions are typically not-for-profit, member-owned financial institutions, which means they can offer more competitive rates and fees than banks or other traditional lenders. Additionally, credit unions often have lower qualification criteria than banks and may be a great option for someone with no or bad credit score.

How will making on-time payments help my credit score?

Making on-time payments is one of the most important factors in building and maintaining a good credit score. When you make your payments on time, it shows creditors that you are responsible and trustworthy in managing debt. This helps to boost your credit score, which reflects the likelihood that you will repay any future debts.

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Don't believe the hype? Here's what our customers have to say about US 
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 W.
Denver, Colorado
Wilson has helped us with 2 refinances and been great to work with. He came up with a solution to save us hundreds of dollars both times. He was was very helpful and addressed all our questions and concerns quickly
Julie R.
Lakewood, Colorado
My husband and I purchased a home using US Mortgages and was extremely pleased with Jeanette I** and Wilson T. They were concerned when necessary and continually updated us on status of paperwork, contracts, and items dealing with our purchase. I would recommend them to anyone who is going to buy a home.
Veronica B.
Denver, Colorado
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!is
David M.
Denver, Colorado
I worked with George H. at US Mortgages, he was awesome, was on top of everything and kept me informed with the progress. Once he got the OK to close from underwriting I had a notary at my house that evening signing the papers.
Keefe & Kathleen R.
Centennial, Colorado
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