CHFA Home Loans

CHFA Down Payment & Closing Cost Assistance for Colorado Homebuyers

Security First Financial is an approved participating lender with Colorado Housing and Financing Authority (CHFA) and is one of the top producing CHFA lenders in Colorado.
​Through CHFA, we are able to offer a variety of great home loan programs with flexible rates, as well as down payment assistance (DPA) programs that help homebuyers buy their homes without a lot of upfront money, sometimes with as little as $1,000 down! Below are CHFA's DPA options...

CHFA DPA Loan Programs:


CHFA Down Payment Assistance Grant:
  • Up to 3% of your first mortgage loan amount
  • No repayment required
CHFA Down Payment Assistance Second Mortgage Loan:
  • Up to 4% of your first mortgage loan amount
  • Repayment deferred until certain events, such as payoff of first mortgage loan, sale or refinance of your home, or if home no longer owner-occupied
We have the experience and expertise to guide you through your CHFA loan options and get you pre-qualified for a home loan​.
Please fill out the form below to get started, or give us a call at (303) 740-8300 to talk to one of our mortgage professionals...
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*CHFA down payment assistance can only be used when paired with a first mortgage loan under a CHFA program. Higher interest rates apply.

CHFA mortgage programs are available to first-time and non-first-time Colorado homebuyers...
  • 30-year, fixed-rate government FHA and Conventional mortgage loans to purchase or refinance a home
  • Down payment assistance grants and second mortgage loans for down payment and/or closing cost assistance (purchase only)

CHFA Program Requirements:

Borrowers must qualify according to our underwriting guidelines and meet these general requirements:

  • Have a mid-credit score of 620 or higher (based on program requirements)

  • Total borrower(s) income must not exceed CHFA’s income limits

  • All borrowers must attend a CHFA-approved homebuyer education class (purchase only)

  • Make a minimum required investment of $1,000 toward the purchase of the home

"Nick and his team were great to work with. Our entire transaction was done online and went smoothly.
I would highly recommend them to anyone looking to go with a FHA and CHFA loan."

Michelle S. - Arvada, CO | SocialSurvey Review

CHFA Participating Lender Nicholas Barta Five Star Mortgage Professional
CHFA Lender Nick Barta Top 200 Mortgage Originators
CHFA Lender Nick Barta Verified Top Producer 2019
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Security First Financial Englewood, Colorado Mortgage Lender

63 Inverness Dr E # 250, Englewood, CO 80112

Office: (303) 740-8300 | Fax: (303) 740-8304


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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.

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