Find the Right Loan for You
From first-time buyers to seasoned investors, there's a loan program designed for your situation. Explore all 17 below.
Your New Home Starts Here
Whether you're buying your first home or your fifth, Zach guides you through every step — from pre-approval to closing — with clarity and confidence. Access competitive rates on conventional, FHA, and jumbo purchase loans tailored to Colorado's unique market.
Honoring Those Who Served
Veterans and active-duty military deserve the best. VA loans offer $0 down, no PMI, and competitive interest rates. Zach specializes in navigating the VA loan process from start to finish — certificate of eligibility to clear to close.
Rural & Suburban Homebuying Made Affordable
USDA loans offer 100% financing for eligible rural and suburban properties — perfect for Colorado's mountain towns and surrounding communities. No down payment required for qualified borrowers in eligible areas.
Starting Your Homeownership Journey
Buying your first home is one of life's biggest milestones. Zach makes the process approachable, connecting first-time buyers with Colorado down payment assistance programs, FHA loans, and plain-English explanations every step of the way.
Put Your Home's Equity to Work
Lower your rate, shorten your term, or tap into equity for home improvements or debt consolidation. Zach analyzes your situation and identifies the refinance strategy that maximizes your benefit.
Grow Your Investment Portfolio
DSCR loans let your rental property income do the qualifying — no personal income verification required. Ideal for investors building long-term wealth through Colorado real estate, from short-term rentals to multi-family.
Secure Your Piece of Colorado
Land loans help you purchase raw or improved land for future construction or long-term investment. Zach works with lenders who understand Colorado's diverse and competitive land market — from city lots to mountain acreage.
Build Your Dream Home
Construction loans fund the building process and often convert to a permanent mortgage upon completion. Zach helps you navigate draw schedules, builder requirements, and financing timelines for a smooth build experience.
Repair Your Credit, Reach Your Goals
Bad credit doesn't mean no options — it means a roadmap. Zach connects clients with trusted credit repair resources and creates a personalized plan to mortgage-readiness. Everyone deserves the chance to own a home.
Flexible Financing for More Buyers
FHA loans offer lower down payment options and more flexible qualifying standards, making homeownership more accessible for first-time buyers and borrowers rebuilding credit.
Buy Before You Sell
Bridge financing helps homeowners tap existing equity to purchase their next property before the current home sells, reducing timing pressure in competitive markets.
Financing for High-Value Properties
Jumbo loans are designed for homes above conforming loan limits and are ideal for luxury or high-cost properties throughout Colorado's premium neighborhoods and resort areas.
A Popular Path to Homeownership
Conventional loans offer competitive rates and flexible terms for qualified borrowers, with options for both first-time and repeat buyers looking for low-down-payment solutions.
Alternative Documentation Solutions
I-10 loans provide financing options for borrowers who may not fit traditional documentation guidelines, helping self-employed and non-traditional income clients secure a mortgage path.
Use Your Equity on Your Terms
A Home Equity Line of Credit gives you revolving access to your home's equity for renovations, debt consolidation, or major expenses while keeping payment flexibility.
Retirement Flexibility for Homeowners 62+
Reverse mortgages allow eligible homeowners to convert home equity into usable funds while remaining in the home, supporting retirement cash-flow and long-term planning goals.
Options When Credit Is Challenging
Bad credit loans are built for borrowers who need more flexible guidelines. Zach helps you explore practical paths to approval while building a plan to improve your long-term mortgage options.
17 Paths to Homeownership
Every financial situation is different. Click any program card to learn more about requirements, benefits, and next steps.
New Home Purchase
Conventional, FHA, and jumbo purchase loans for all buyers at any stage.
VA Loans
$0 down, no PMI — the benefit veterans have earned. Let's use it.
USDA Loans
100% financing for rural and suburban eligible properties across Colorado.
First-Time Buyers
Down payment assistance, FHA programs, and step-by-step guidance.
Refinances
Lower your rate, access equity, or shorten your term with a smart refi.
DSCR & Investment
Qualify with rental income — no personal income docs required.
Land Loans
Purchase raw or improved land to build your Colorado dream home.
Construction Loans
Fund your build from ground-break to keys in hand with one loan.
Credit Repair
Build a roadmap from where you are to mortgage-ready.
FHA Loans
Low down payment financing with flexible qualification guidelines.
Bridge Loans
Leverage current-home equity to buy your next home sooner.
Jumbo Loans
Financing solutions for high-value homes above conforming limits.
Conventional
Competitive rates and terms for many owner-occupied purchases.
I-10 Loans
Alternative documentation options for unique borrower profiles.
HELOCs
Access your home equity with a flexible revolving credit line.
Reverse Mortgages
Convert equity to cash flow while continuing to live at home.
Bad Credit Loans
Flexible loan paths for borrowers rebuilding or recovering credit.