Affordable Monthly Payment
Build Equity
Customize Your Home
Buy Your First Home
Down Payment Myths
You don’t need a 20% down payment to buy a home. Conventional loans start as low as 3% down, and FHA loans start at 3.5%. You can put down less or add more if you have the funds.
First-time home buyers can use:
- Savings
- Cash Gift
- Assistance Programs
- 401K Loan
What You NEED
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A credit score of 580 for an FHA loan. 620 to qualify for a conventional home loan.
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Household income that can support mortgage payments. Affordability Calculator
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A modest down payment of at least 3% or a down payment assistance program.
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Funds for closing costs.
What You’ll GAIN
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Your own domain – You decide when to move, not a landlord who suddenly decides to sell.
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Affordable monthly payments – Set loan payments, no more unexpected rent increases or change without notice.
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Build equity fast – Prices in Denver forecast to rise by 17.5% in 2022.
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More Net Worth – Homeowners average 80x net worth than renters.
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Tax benefits
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Pride of home ownership
First Time Homebuyer Programs
Down Payment Assistance Programs and Home Loans
Down Payment Assistance Programs and Home Loans
The Colorado Housing and Finance Authority (CHFA) provides first time homebuyer programs.
CHFA Loan Programs
- CHFA fixed-rate mortgage
CHFA Down Payment and or Closing Cost Help
- Grant
- Second mortgage (not due until the property is sold or is no longer your primary residence)
Noteworthy: Most first time homebuyers opt for a conventional rather than a CHFA/FHA loan program to avoid lifetime FHA mortgage insurance.
Loan Amount
Loan amounts vary based on income, monthly debts, down payment, and credit.
Closing Costs
Pay closing costs at your home buyer closing appointment by certified check or wire (requires bank account and routing number). Includes your mortgage down payment and closing cost fees.
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I can't thank Nathan and his team enough for their help with my refinance. Nathan and the team are knowledgeable, responsive, and went above and beyond to help get my refinance closed.
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I Jack Claridge and Marive Dawkins are very happy to have Nathan and his staff help us with our very difficult mortgage . I think we put his whole staff to the test and they got us approved in time to close . So we will advise people that … More need financing to go to Nathan and his coworkers , they will go above and beyond to get it done !!!
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We cannot recommend Nathan's work enough - he takes the time to make his clients comfortable and educated in the mortgage process. He is always quick to respond and extremely professional. We worked with Nathan on the purchase of our … More first house, so we knew very little about the entire process. Nathan took the time, in multiple meetings, to walk us through step by step to understand not only the high-level steps but all the details, including terms and calculations, to make sure we could make an informed decision on what we could comfortably afford. We knew he was an invaluable resource in the first 15 minutes we worked with him and never regretted the choice. I have already recommended Nathan to friends and family who are very pleased with his work.
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My husband and I have used Nathan for two home refinances now, and both times have been more than thrilled with the results. Nathan is responsive, professional, and very savvy when it comes to getting you the best deal. Most companies deliver … More the bare minimum, but Nathan Mortgage cares about their customers and always strives to deliver the best. Nathan spent months helping us move around funds, pay down debt, shop the best deals, and working the system to get us the lowest interest payments possible. We’re now saving hundreds of dollars in monthly payments, got rid of our PMI, and are saving tens of thousands over the life of the loan. We will be life long customers, and simply cannot recommend Nathan enough to others.
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So happy we used Nathan! Some family members recommended him and we are glad they did. He went above and beyond to get us the best deal possible with our loan. Nathan was very knowledgeable and able to get us the best possible loan terms … More imaginable. The title company was even surprised with how great of a deal we got.Even though our home buying experience was filled with bumps and deals falling through for months on end, he was easy to get a hold of and made us his priority every time we needed him. Nathan was always our advocate and the #1 person on our side through this process. Highly recommend!
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Our refinance was effortless, smooth, and everyone working at Nathan Mortgage was personable, knowledgeable, and professional.Nathan himself was very forthright, easy to talk to and enthusiastic about his product. We will not hesitate to … More recommend Nathan and his staff to friends and family!
Free Consult
Ready to buy a home or curious about the home buying process? Fill out the form below to request a free no-obligation consult with our mortgage Lakewood team.