New Home Purchase
Whether it's your first home or your fifth, Zach guides you through every step of the purchase process — from pre-approval to keys in hand — with competitive rates and zero confusion.
Colorado's Home Purchase Specialist
A new home purchase loan is the financing you use to buy a property — but the type of loan you choose has a significant impact on your down payment, monthly payment, interest rate, and long-term financial picture. Zach offers access to all major purchase loan types, from conventional and FHA to jumbo loans for high-value Colorado properties.
Colorado's market is as diverse as its geography. A condo in LoDo, a sprawling ranch on the Western Slope, and a ski-in/ski-out unit in Breckenridge each have unique financing nuances. Zach's depth of local knowledge means he can match you with the right product, the right lender, and the right terms for your specific property.
Common Purchase Loan Types
- Conventional: Best for buyers with strong credit (620+). Available in conforming ($806,500 limit in most CO counties) and jumbo sizes. As low as 3% down.
- FHA: Government-backed loan for buyers with credit scores as low as 580. 3.5% down payment. Great for first-time buyers or those with limited credit history.
- Jumbo: For Colorado's luxury and mountain properties priced above conforming limits. Requires stronger credit and larger down payment but offers flexibility for high-value homes.
- CHFA (Colorado Housing Finance Authority): State-backed programs offering down payment assistance and favorable rates for income-eligible buyers.
Benefits of Buying with a Local Specialist
Fast Pre-Approvals
Same-day pre-approval letters for competitive markets. You won't lose a home waiting on paperwork.
Colorado Market Knowledge
Deep familiarity with loan nuances specific to Colorado properties — from mountain HOAs to well and septic considerations.
Competitive Rates
Access to a broad lender network means Zach can shop rates on your behalf and find genuinely competitive terms.
Personal Guidance
You'll never be handed off to a call center. Zach handles your file personally from application to closing day.
On-Time Closings
Zach has a strong track record of meeting contract deadlines — critical in Colorado's competitive purchase market.
Educational Approach
Zach explains every document and decision in plain English. You'll understand exactly what you're signing and why.