Mortgage Lender Denver Colorado

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 middlemen and no unnecessary third parties. Let’s walk you through some of our mortgage products so you can better understand 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 increases 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 3 – 5%, but anything lower than a 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. 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 much 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-backed loan that aims to help Americans with low income and credit scores. 

First-time homebuyers typically go for FHA loans because they have less stringent requirements than conventional loans. Sometimes, first-time homebuyers may not 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 approvals. 

Get A Home Loan In Denver Now

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

Why Denver HomeBuyers are Choosing Capital Home Mortgage

Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Denver Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Denver Mortgage Programs

Denver Home Purchase

Thinking of Buying a Denver Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Denver renovation home loans

Looking to Rehab a Denver Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Denver FHA Home Loans

Great for 1st Time Denver Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

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

Denver VA Home Loans

100% Financing for Denver Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Denver Conventional Home Loans

Flexibility for Denver Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

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

Denver Jumbo Home Loans

Denver Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

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

Denver USDA Home Loans

100% Rural Denver Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Denver Native American Loans

Denver HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

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

Denver Manufactured Home Loans

Great Alternative Denver Housing

Denver reverse mortgages

Your Denver Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Denver Non QM Home Loans

Making Denver Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

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

Denver One Time Close mortgages

Build Your Denver Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Denver Refinance Mortgage Loans

Denver Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Denver Cash-out Home mortgages

Denver Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Denver Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

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