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

"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 SocialSurvey)

"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 SocialSurvey)

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.

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Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS ID# 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Colorado – Regulated by the Division of Real Estate, UCCC #987701-016. Arizona – Arizona Department of Financial Institutions 0902614. Massachusetts – Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. Florida - Florida Office of Financial Regulation MLD646. Texas - This office is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas. 

Your opinion is greatly appreciated, we thank you for visiting this website of Primary Residential Mortgage, Inc. If you have specific questions, comments, concerns, or complaints we invite you to contact us by the email shown here: Emails received during business hours should receive a response within 48 hours, excluding weekends or holidays.

Primary Residential Mortgage, Inc. is licensed under the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking through one of the means indicated below: In Person or U.S mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294, Telephone No. (877) 276-5554, Fax No: (512)475-1313 Email: Website:

Consumers wishing to file a complaint against a mortgage banker or licensed mortgage banker residential loan originator should complete and send a complaint form to the TX department of savings and mortgage lending, 2601 North Lamar Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery find must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at


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