Conventional Home Loans
Conventional loans are the premier choice for homebuyers seeking stability and flexibility. Not insured by the government, these mortgages follow the refined guidelines set by Fannie Mae and Freddie Mac to offer the most competitive terms in the Colorado market.
3%
3% Min Down Payment
620+
620+ Min Credit Score
$832k
$832,750 2026Â
Conforming Limit
14d
14 Days Avg Clear to Close
The Value of Conventional Financing
A conventional loan is a primary mortgage solution not insured by government agencies like the FHA or VA. They follow standards established by Fannie Mae and Freddie Mac, offering Denverites the most versatile options for property types and loan lengths.
Notably, once you reach 20% equity, you can cancel your Private Mortgage Insurance (PMI)—saving you significant capital over the life of your loan. It’s a professional and high-performance financing tool for the savvy investor or resident.
Essential Loan Requirements
Qualified Credit
A minimum score of 620+ is required for approval. Higher scores unlock our most aggressive interest rates.
Low Entry Options
Secure your property with as little as 3% down. Ideal for professional first-time buyers seeking high leverage.
Optimized Ratios
We target a Debt-to-Income ratio below 43%, though exceptions up to 50% are available for strong profiles.
Regional Limits
The $832,750 conforming limit applies to standard properties, with higher ceilings for Denver's luxury areas.
Stable Income
Provide verification of consistent employment and a 2-year history of steady, reliable earnings.
Capital Use
Whether a primary residence or a strategic investment property, we ensure the appraisal meets institutional standards.
Strategic Advantages
Lower Institutional Costs
Strong credit profiles benefit from the lowest lifetime capital costs available.
Dynamic Equity Management
Remove PMI once you hit 20% equity, reclaiming your monthly cash flow automatically.
Maximum Buying Power
Conforming limits scale with the market, empowering you to bid confidently on prime real estate.
Portfolio Versatility
Deploy these loans for primary residences, second homes, or investment rentals with zero residency limitations.
The Road to Approval
01
02
03
04
Expert Pre-Approval
Secure Property
Rapid Underwriting
Elite Closing
We review your profile to issue a command pre-approval letter within hours.
Partner with your realtor to win the perfect home within your pre-approved range.
Once under contract, we accelerate your application for a clear financing commitment.
Final standards met, documents signed, and keys in hand. Welcome home.
Secure Your Advantage
The market rewards decisiveness. Get your personalized analysis and a strong, action-oriented pre-approval today. No cost. No commitment.