HOME LOAN OPTIONS

Maximum Loan

Happy young couple in Colorado holding the keys to their new home

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

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

Varies by area

Yes

580 Minimum

10, 15, 20, 25 or 30 years, fixed and adjustable

3.5%

Maximum Loan

Veteran woman smiling in front of her Colorado home

These loans are designed for military personnel, veterans, and military families.

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

Varies by area

No

580 Minimum

15, 20, 25 or 30 years, fixed and adjustable

None

Maximum Loan

Rural house in the Colorado plains

 Designed for homebuyers wishing to purchase a home outside of densely populated areas.

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

Rural Housing (USDA) Loan

Varies by area

No (Up-Front Guarantee Fee financed into loan)

620 Minimum

30 years, fixed

None

Maximum Loan

Luxury house at dawn in Denver Colorado

A jumbo loan is one way to buy a high-priced or luxury home.

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

Jumbo Loans

$2.5 Million

No

700 minimum

15 or 30 years, fixed and adjustable

20%

Maximum Loan

Happy young couple in Colorado celebrating their new construction loan

These loans allow you to combine the construction and mortgage into one loan.

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

FHA/VA One-Time Close Construction Loan

Varies by area

FHA - Yes

VA - No

620 minimum

15 or 30 years, fixed rates

3.5% - FHA

None - VA

Maximum Loan

Young couple in Colorado deciding on the paint colors for their new home

This loan program is designed to assist home borrowers to acquire and rehabilitate single-family properties.

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

FHA 203(k) Renovation Loan Program

Yes, varies by county

Yes

640 minimum

30 years, fixed

3.5% of the final loan amount

Maximum Loan

Young couple in Colorado celebrating 30

With consistent monthly principal and interest payments, it’s an ideal choice if you plan to stay in your home seven years or longer.

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

30-Year Fixed Rate Mortgage

Yes. Some "high balance" areas have loan limits above the standard level.

No, if under 80% loan-to-value

620 minimum

30 years, fixed

5% of the final loan amount

Maximum Loan

Speed limit 15 in Colorado

This mortgage takes more commitment because you’re making higher monthly payments, but you’ll save on interest payments and a whole lot of time paying for your house.

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

15-Year Fixed Rate Mortgage

Yes. Some "high balance" areas have loan limits above the standard level.

No, if under 80% loan-to-value

620 minimum

15 years, fixed

5% of the final loan amount

Maximum Loan

Adjustable Rate Mortgage in Englewood Colorado

You get a fixed rate for a few years before the mortgage adjusts annually, based on a particular index value.

Down Payment

Loan

Terms

Credit Score

Mortgage Insurance

Adjustable Rate Mortgage (ARM)

Varies, see Fixed Rate or FHA

Varies, see Fixed Rate or FHA

Varies, see Fixed Rate or FHA

3/1, 5/1, 7/1, 10/1, years fixed/year

Varies, see Fixed Rate or FHA

Reverse Mortgages.

With a reverse mortgage, you can convert your home equity to cash and use the money for things you need or want. Learn more

Disclaimer:

  • Some of our products may not be available in all states.

  • Mortgage programs, terms, rates, and conditions may change without notice.

  • Both collateral and credit need to undergo approval and are not a commitment to lend.

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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 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. Regulated by the Division of Real Estate. MLO MC3094. MLO 0121351. Arizona Department of Financial Institutions 0902614. Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. Your opinion is greatly appreciated, we thank you for visiting this website or Primary Residential Mortgage, Inc. If you have specific questions, comments, concerns or complaints we invite you to contact us by the email shown here: ConsumerVoice@primeres.com. Emails received during business hours, should receive a response within 48 hours, excluding weekends or holidays.
 
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