Traditional FHA Mortgages~FHA home loans include programs to finance or refinance up to 97% of your home's purchase price or value at competitive interest rates and terms. They can be used on 1-4 unit properties, work with down payment assistance and grant programs, use 'real world' guidelines when calculating income, debt and employment.  Allow for non-occupant co borrowers. FHA loans have some of the lowest interest rates for fixed rate mortgages.  This is a great loan and not just for first time homebuyers.

FHA loans can assist new home buyers, assist consumers with credit challenges, and also consumers who find themselves in adjustable rate mortgages that are no longer affordable.

New! FHA SECURE for Homeowners Facing Mortgage Default FHA Secure is a new FHA mortgage refinancing option enacted on August 31, 2007 to assist home owners who are now facing a mortgage default or foreclosure due to the mortgage payment adjustment of their non FHA adjustable rate mortgages.  Colorado has also released an assistance program to help if you do not have the required 3% equity left in your home. Our team has worked with FHA loans for years - if you even think this program might help you - please call us rather than interpreting something you've read incorrectly.

VA Mortgages VA home loans include programs to purchase or refinance up to 100% of your home's purchase price or value at low interest rates and terms. They can be used on 1-4 unit properties, and have guidelines similar to an FHA loan, but without the monthly MI. This is a one of the best high LTV programs available and if you have eligibility, worth checking out.  The loan limit on VA loans, previously $417,000 has recently been lifted.

FHA Streamline and VA IRR Refinances Both FHA and VA offer streamlined refinance opportunities.  This allows borrowers who currently have these loans to reduce their payment and interest rate as markets improve - or to change the term of you current loan.  As long as your mortgage is current you can do this without requailifying or needing an appraisal.

To speak to an experienced agent now call us at 866-469-2056.  You can also begin a loan application on line, see the top of this page to get started.