Security First Financial

A Mortgage Lender You Can Trust

As a trusted and highly rated Mortgage Lender based in Colorado, our goal is to provide friendly, personal support in order to make our customers’ lives easier.


Whether you’re looking to buy your first home, invest in a property, or refinance your current mortgage, we'll work closely with you to help you understand your options and guide you towards finding a home loan that meets your needs.

A happy couple holding the keys to their new home

Reviews for Security First Financial

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"Security First Financial was the perfect choice for me and my fiancé. They took great care of us throughout the entire process and they were incredibly responsive! As first-time homebuyers, we could not have worked with a better lender. Thank you, Nick and the Security First Financial team!"

- Mariel T. | Lakewood, CO (Read this review on

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"Nick and every one at Security First Financial were so kind, accommodating and conveyed everything in a way that was easy to understand. Any and every question I had was answered promptly and I was always ensured that I understood the process of everything. I'm thankful for Nick's help and service. I'm so happy I chose this mortgage lender. I couldn't have picked anyone better!"

- Alexandrea J. | Commerce City, CO (Read this review on

Down Payment Assistance Programs*

You may be eligible for a home loan with 100% financing.**

Learn more about the down payment assistance programs we offer...

*First lien interest rates may be higher when using a DPA second.
**Closing costs and fees may still apply.

The Exterior of a Modern Custom Suburban Home

Popular Home Loan Programs

When it comes to finding a mortgage, the possibilities are endless. The best way to get started is to contact us for more information about the different types of mortgage loans we offer. We’ll be happy to explain them and help you find the right one that suits your needs and preferences.


Listed below are some of the most common loan programs...

Conventional Loan

This is the most common home loan option for borrowers. These loans aren't backed by the government.

Down Payment: As little as 3% for First-Time Homebuyers

Credit Score: As low as 620

FHA Home Loan

FHA Loans are geared toward hard-working families in low- to moderate-income brackets.

Down Payment: As little as 3.5%

Credit Score: As low as 500-580

VA Home Loan

VA Loans are designed for military personnel, veterans, and military families.

Down Payment: None*

Credit Score: As low as 580


There are many types of home refinancing options, all designed to help you meet your financial goals faster. Shorten your repayment term, consolidate debt into one payment, or take cash out of your equity.**

Jumbo Loans

Jumbo Loans offer special low-interest financing to borrowers looking to buy a high-volume home.

Down Payment: 20%

Credit Score: As low as 660

Rural Housing (USDA)

These loans are for home buyers wishing to purchase a home outside of densely populated areas.

Down Payment: None*

Credit Score: As low as 620

Reverse Mortgages

Reverse mortgage programs provide financial support for low-income seniors. 

Borrowers must be at least 62 years of age.

Renovation Loans

Designed to assist home borrowers to acquire and rehabilitate single-family properties.

Down Payment: 3.5% of loan amount

Credit Score: 640+

Down Payment Assistance

State and/or local programs designed to help home buyers pay for down payments and/or closing costs.

Down Payment: Low to None*

Credit Score: As low as 620

* Closing costs and fees may still apply.

** When it comes it comes to refinancing your home loan, you can generally reduce your monthly payment; however, total finance charges may be higher over the life of your mortgage loan.