Loan Services — All of Colorado
Financing that works with your life.
As an independent mortgage broker, I shop dozens of programs to find the loan that actually fits — not the one that fits the bank. Serving buyers and homeowners across all of Colorado, from Denver to the Western Slope.
Powered by Barrett Financial Group · NMLS #2760872
Loan programs
Options, plainly explained.
Conventional
01Flexible terms with competitive rates for well-qualified buyers. Down payments from 3%.
Best for
Move-up buyers & repeat homeowners
FHA
02Government-backed loans with lower credit and down payment requirements. Great entry point.
Best for
First-time buyers
VA
03Zero-down financing for eligible service members, veterans, and qualifying spouses.
Best for
Veterans & active-duty military
Jumbo
04Loans above the conforming limit for higher-priced Colorado properties.
Best for
Luxury & high-cost purchases
Refinance
05Lower your rate, shorten your term, or tap equity for renovation and consolidation goals.
Best for
Current homeowners
First-time buyer
06Down-payment assistance, education, and step-by-step guidance for your first purchase.
Best for
New buyers who want a real guide
The process
From application to your dream home.
A clear, four-step process — with proactive check-ins so you're never wondering what's happening next.
- 01
Discovery call
We talk about your goals, timeline, and budget. No credit pull yet — just clarity.
- 02
Pre-approval
Quick document review and a soft-launched pre-approval letter, typically within 24 hours.
- 03
Under contract
Rate lock, appraisal, and underwriting — with weekly updates so nothing surprises you.
- 04
Closing day
Final walk-through, signing, and keys. Then I stay on for future refis and questions.
Let's get you pre-approved.
A quick chat now saves weeks later. I'll walk you through what you'll need and what to expect — or head straight to the application.
Powered by Barrett Financial Group · NMLS #2760872