Straight Talk.
Local Expertise.
Loans That Close.
Colorado Front Range mortgage specialists. VA, FHA, USDA, Conventional, Down Payment Assistance, and DSCR investor loans — explained honestly, closed fast.
Your Situation. Your Path.
Whether you're buying, refinancing, or doing both — the process starts with clarity. Tell us where you are and we'll show you the way forward.
Purchasing
- FHA, VA, USDA, Conventional
- First-Time Buyer Programs
- Down Payment Assistance
- Denver & Colorado Springs
Refinancing
- Rate & Term — Lower Payment
- Cash-Out Refinance
- Pay Off Higher-Rate Debt
Buying & Selling
- Denver & Colorado Springs Markets
- Seamless Coordinated Experience
- Minimize Stress, Maximize Profit
Every Path to Homeownership
Not every loan fits every buyer. We originate the full range and tell you which one actually makes sense for your situation.
USDA
Zero down payment for eligible rural and suburban Colorado properties. No second lien. Refinance freely.
Down Payment Assistance
Grants up to 3.5% for first responders, nurses, and first-time buyers. Conventional loans with grants up to 3%. Know the difference between a grant and a loan.
VA Loans
Zero down, no PMI, competitive rates for veterans, active duty, and surviving spouses. You earned it.
FHA
3.5% down with flexible credit requirements. One of the most accessible paths for first-time buyers.
Conventional
3–20% down. Lower long-term costs for buyers with strong credit. No upfront MIP.
DSCR Investor
Qualify a rental on the property's own income — no tax returns, no W-2s. Purchase or refinance, and title it in your LLC.
HELOC
Already own? Pull cash out of your equity without touching the low rate on your first mortgage. No appraisal on most lines, limited docs, self-employed welcome.
Three People & One Very Smart AI
Mike, Matthew, and Zach handle every file. Emma handles the first contact. Together they cover the entire Colorado Front Range — from Fort Collins to Pueblo and everything in between.
Mike O'Brien
Matthew Wentz
Zach Belloni
Emma
A real person is right behind her.
What Clients Actually Say
This was my fiancé and I's first time buying a home and Zach made the whole experience very comfortable and easy. His father-in-law Mike was also there every step of the way along with Matt! Those three gentlemen made the process so smooth that all we had to do was go look at homes and put in an offer. Will definitely recommend anyone I know!
I can't say enough good things about Matthew Wentz. I've been trying to buy a home for so many years and at times felt completely hopeless. Matthew changed everything. He sat down with me step by step, never made me feel rushed or overwhelmed. Thanks to his patience and genuine care, I finally feel like I was given a real chance.
Mike is a true pro! We just completed another transaction together and there were smiles all around the closing table. Mike and his team are trustworthy, reliable, honest, hard working, and super knowledgeable on all facets of the lending business. Looking forward to our next transaction.
Built Different. On Purpose.
We started this because we saw how complicated and opaque the mortgage process had become. Our answer was to make it simple, local, and honest.
Innovation
Fresh, creative solutions for every borrower. We work the wholesale channel to get you better pricing than retail lenders.
Integrity
Honesty and transparency at every step. We tell you what you need to hear — not what makes the phone call easier.
Excellence
Colorado-only focus. Deep local knowledge. We know these markets, these programs, and these underwriters.
Know What You're Getting Into
We believe informed buyers make better decisions. That's good for you and good for us.
Down payment help
There is more help out there than most buyers ever hear about.
Saving the down payment is the part that keeps most people renting. Colorado has about twenty programs that cover some or all of it: grants you never repay, seconds that are forgiven over time, CHFA programs, and USDA loans with nothing down. Put in what you know and see which ones fit you, then let us walk you through the best one.
All 22 Colorado down payment programs: who qualifies, how much, and whether you repay it
4 grants you never repay, 4 forgivable seconds, 11 no-payment seconds repaid when you sell, 4 seconds with a small payment, and USDA with nothing down. CHFA income limits effective June 15, 2026; USDA limits effective July 13, 2026.
| Program | Kind of help | Amount | Loan | Term | Units | Min score | Income limit | First-time buyer? |
|---|---|---|---|---|---|---|---|---|
| CHFA Schools to Home | Deferred second | Up to 25% | Conventional | 30-yr | 1 | 620 | $178,920 | No |
| CHFA SmartStep Plus (grant) | Grant | Up to 3% (max $25,000) | FHA, VA, USDA | 30-yr | 1 | 620 | $178,920 | No |
| CHFA SmartStep Plus (second) | Deferred second | Up to 4% (max $25,000) | FHA, VA, USDA | 30-yr | 1 | 620 | $178,920 | No |
| CHFA FirstStep Plus | Deferred second | Up to 4% (max $25,000) | FHA | 30-yr | 1 | 620 | By county and household size | Outside targeted areas |
| CHFA FirstGeneration Plus | Deferred second | $25,000 | FHA | 30-yr | 1 | 620 | By county and household size | First-generation only |
| CHFA Preferred Plus | Deferred second | Up to 4% (max $25,000) | Conventional | 30-yr | 1 | 620 | $178,920 | No |
| CHFA Preferred Plus (very low income) | Deferred second | Up to 4% (max $25,000) | Conventional | 30-yr | 1 | 620 | County very-low-income limit | No |
| CHFA HomeAccess Plus | Deferred second | Up to $25,000 | FHA, VA, USDA | 30-yr | 1 | 620 | $178,920 | No |
| Metro Down Payment Assistance (FHA/VA/USDA) | Deferred second | 3% or 4% | FHA, VA, USDA | 30-yr | 1–2 | 620 | $216,000 | No |
| Metro Down Payment Assistance (conventional, ≤80% AMI) | Deferred second | 3% or 4% | Conventional | 30-yr | 1–2 | 620 | 80% of area median, by county | No |
| Metro Down Payment Assistance (conventional, over 80% AMI) | Deferred second | 3% or 4% | Conventional | 30-yr | 1–2 | 620 | $216,000 | No |
| Denver First Generation (metroDPA) | Deferred second | $30,000 (max 20% of price) | FHA | 30-yr | 1–2 | 620 | $100,800 (1 person) to $190,100 (8), whole household | First-generation only |
| Evergreen Grant (FHA, 2% or 3.5%) | Grant | 2% or 3.5% | FHA | 20 / 25 / 30-yr | 1–4 | 620 | ≤140% of area median, waived for first-time buyers and many jobs | No |
| Overlook Grant (FHA, 2% or 3.5%) | Grant | 2% or 3.5% | FHA | 25 / 30-yr | 1–2 | 640 | ≤160% of area median, waived for first-time buyers and many jobs | No |
| Overlook Grant (conventional, 1–3%) | Grant | 3% | Conventional | 30-yr | 1–4 | 620 | ≤160% of area median, waived for first-time buyers and many jobs | Only under 5% down |
| Keystone Second (FHA, repayable 3.5% or 5%) | Repayable second | Up to 5% | FHA | 25 / 30-yr | 1–2 | 600 | None | No |
| Keystone Second (FHA, forgivable 3.5% or 5%) | Forgivable second | Up to 5% | FHA | 25 / 30-yr | 1–2 | 600 | None | No |
| Kiowa Second (FHA, 3.5% forgiven in 3 years) | Forgivable second | 3.5% | FHA | 25 / 30-yr | 1–2 | 600 | Being confirmed | No |
| Kiowa Second (FHA, repayable 3.5% or 5%) | Repayable second | Up to 5% | FHA | 25 / 30-yr | 1–2 | 600 | Being confirmed | No |
| Orchard Second (FHA, 3.5% or 5%) | Forgivable second, Repayable second | 3.5% or 5% | FHA, USDA | 25 / 30-yr | 1–2 | 660 | None | No |
| Ouray Second (FHA, 3.5% or 5%) | Forgivable second, Repayable second | 3.5% or 5% | FHA | 30-yr | 1–2 | 660 | None on repayable; ≤160% of area median on forgivable | No |
| USDA Rural Development loan (0% down) | 0% down loan | 100% financing | USDA | 30-yr | 1 | 640 | USDA county limit | No |
Ready to Start?
The first step costs nothing. No credit pull. No obligation. Emma will reach out by text — or you can schedule directly.