Loan Options in Colorado

There are loan options for all walks of life. For example, the difference in financial circumstances between a single professional and a family of four can be drastic. At The Mortgage Maestro Group we can create a personalized loan solution tailored specifically to you and your needs. We can also help refinance your existing mortgage! Below are examples of different loan solutions:

FHA Loans

“FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so your lender can offer you a better deal.”

-U.S. Department of Housing and Urban Development

Generally, FHA loans are some of the easiest to qualify for. They require low down payments and your credit doesn’t have to be stellar. These loans are insured by the Fair Housing Administration (FHA), lowering the risk of loss in the event of borrower default. This type of loan is extremely popular for first-time buyers.

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VA Loans

“VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, repair, retain, or adapt a home for your own personal occupancy.”

-U.S. Department of Veterans Affairs

Since 1944, the federal government has offered a guaranteed military loan to returning service members in order to help our men and women in uniform more easily purchase a home. Since its early beginnings in World War II, VA Loans have helped place over 20 million veterans and their families into an affordable home financing solution.

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Down Payment Assistance

Down payment assistance and community redevelopment programs offer affordable housing opportunities to first-time homebuyers, low-income and moderate-income individuals and families who wish to achieve homeownership.

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FHA 203k/Conventional Rehab Loans

Crucial to community revitalization, the FHA 203(k) program works toward the repair and rehabilitation of eligible properties. The Department of Housing and Urban Development has developed this program to help families obtain housing while modernizing neighborhoods. You can use this mortgage to wrap in rehab/remodel costs at the time you close on your house, how awesome is that?

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Conventional Loans

Conventional mortgages typically have an adjustable or fixed rate of interest. Fixed interest rate loans usually have a term of 10 to 30 years. Loans in which the terms are shorter will typically have a lower interest rates. ARMs (Adjustable Rate Mortgages) shift with the rate of a standard financial index. But can offer a strategic way to finance your home.

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Jumbo Loans

For more expensive properties, the mortgage loan amount can exceed the conforming loan limits set by the OFHEO (Office of Federal Housing Enterprise Oversight). The loans are not eligible to be purchased, secured or guaranteed by Frannie or Freddie.

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