Capital Home Mortgage Denver

Denver Home Loans

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Denver Colorado Mortgage Lender

Home Loans In Denver, Colorado 

The Mile High City of Denver needs no lengthy introduction. Situated one mile above sea level, the city boasts world-class cultural attractions, thriving outdoor adventures, and diverse residential communities. 

In the wake of the global COVID disruptions, Denver’s housing market is expected to return to pre-pandemic times slowly. If you’ve wanted to buy a home in Denver, now is the time to start looking into mortgage loan options. 

At Capital Home Mortgage, we provide a variety of home loan programs directly to potential homebuyers. No middle man, no unnecessary third parties. Let’s walk you through some of our mortgage products so you can better which option best suits your home financing needs. 

3 Most Popular Denver Mortgage Products

  • Conventional Loans

A Conventional loan is a mortgage product that is without government backing. This presents an increased risk exposure for lenders, so the qualification requirements for conventional loans are generally stricter. 

At a minimum, your credit score should be 620 to qualify for a conventional loan. Your credit report must also be clean. The down payment requirement is set at a meager 3 – 5%, but anything lower than 20% down payment will incur private mortgage insurance premiums. 

This type of home loan is ideal for Americans with high monthly incomes and good credit history. If you’re making more than the median income in your area, you can earn a high monthly income.

  • Jumbo Loans

Conventional loans are subject to limits set by the Federal Housing Finance Agency. This means homebuyers cannot use them to finance luxury properties or real estate in high-end cities. For this type of home financing, you need a Jumbo loan

As you can imagine, the eligibility requirements for Jumbo home loans are a lot more stringent. For one, borrowers must have a credit score of 700 and up. You must also be a high-income earner with a decent asset collection. 

  • FHA Loans

An FHA loan is a government-insured home loan program that aims to help Americans with low income and low credit scores. 

First-time homebuyers typically go for FHA loans because they have less stringent requirements than conventional loans. In most cases, first-time homebuyers may not yet have a stellar credit score or enough savings for a sizable down payment. To that end, FHA loans can accept credit scores as low as 500, provided the borrower can pay a down payment of at least 10%. 

Rates on FHA loans can also be competitive, but it will depend on several other factors like the prevailing rate, income level, credit score, loan amount, and loan term. We also offer other government-insured loans like VA, USDA, and HUD 184. 

Denver, Colorado Mortgage Lender

As direct mortgage lenders in Denver, Capital Home Mortgage handles all applications and funds all mortgages from our coffers. As part of our commitment to ensuring an enjoyable home buying experience, we offer competitive interests, low processing fees, and convenient underwriting policies for faster proper approvals. 

Get A Home Loan In Denver Now

Get in touch with our Denver loan officers to find the right home loan program for you. Call us at (303) 226-1177 to get started with a free no-obligation quote on your loan. We look forward to providing your next home loan in Denver. 

Why Denver is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Denver Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Denver Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Denver Mortgage Rates

Capital Home Mortgage Denver is dedicated to offering Great Denver Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Denver Colorado Mortgage Loans

Denver Home Purchases

Buying a Denver Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

Denver Renovation Home Loans

Denver Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Denver FHA Home Loans

1st Time Denver Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Denver VA Home Loans

100% Loans for Denver Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Denver Conventional Home Loans

Flexibility for Denver Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Denver Jumbo Home Loans

Great Denver Rates

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Denver USDA Home Loans

Denver Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

Denver Native American Loans

Denver HUD 184 Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Denver Manufactured Home Loans

Denver Mobile Home Loans

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Denver Reverse Mortgages

Your Denver Home at Work

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

Denver Cash Out Mortgage Refinance

Denver Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Denver Mortgage Refinance

Denver Rate & Term Refinance

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Denver Colorado Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Kelvin Thompson

Loan Officer
NMLS 2050042

Amy Bird

Loan Officer
NMLS 169849

Cristina Roca

Loan Officer
NMLS 1926089

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