Compare the loan around your real life.
Start with the payment, cash, income, property and timing that matter to you. Impact compares eligible lenders and programs, explains the tradeoffs and helps you build a clear purchase plan before you make an offer.
What are you trying to solve?
Mortgage programs are tools—not the starting point. Choose the situation closest to yours, then compare the payment, cash required, approval strength and long-term cost.
I want a lower-down-payment path.
Compare conventional, FHA, VA, USDA and Colorado assistance using the same home price, payment and cash-to-close assumptions.
Compare low-down-payment options →INCOME LOOKS DIFFERENTI am self-employed or have complex income.
Review tax returns, K-1s, W-2 and 1099 income, business financials, bank statements and eligible alternative-documentation paths.
Review self-employed options →MAKE THE NEXT MOVEI need to buy before my current home sells.
Compare qualifying with both homes, eligible payment-exclusion programs, bridge financing, home equity and sale-contingent strategies.
Compare move-up strategies →PROPERTY OR GOAL IS UNIQUEI need a specialized loan strategy.
Explore jumbo, investment-property, renovation, multi-unit and other financing paths with the property and long-term goal considered together.
Explore specialized financing →One goal. Several possible paths.
These pages explain who each option may serve, the questions to ask and the tradeoffs to compare. Program availability and qualification depend on the complete borrower, property and current guidelines.
First-time homebuyer loans in Colorado
Understand your down payment, comfortable monthly payment, closing costs and loan options before you start shopping.
See requirements and tradeoffs →02 · Colorado assistanceColorado down-payment assistance
Compare Colorado down-payment and closing-cost assistance with a clear explanation of eligibility, repayment terms, monthly cost and future flexibility.
See requirements and tradeoffs →03 · FHA loansFHA loans in Colorado
Understand FHA down payment, mortgage insurance, credit flexibility, property requirements and how FHA compares with conventional financing in Colorado.
See requirements and tradeoffs →04 · VA loansVA home loans in Colorado
Eligible Colorado veterans and service members may buy with no down payment and no monthly mortgage insurance. Compare entitlement, the VA funding fee, costs and property requirements.
See requirements and tradeoffs →05 · USDA rural housingUSDA home loans in Colorado
Explore USDA Rural Development home loans in Colorado, including zero-down-payment potential, household-income limits, property eligibility and program fees.
See requirements and tradeoffs →06 · Self-employedSelf-employed mortgage loans in Colorado
Compare Colorado mortgage options for self-employed borrowers using tax returns, K-1s, business financials, bank statements or eligible alternative documentation.
See requirements and tradeoffs →07 · Bank-statement loansBank-statement loans in Colorado
Explore Colorado bank-statement mortgage programs for eligible business owners and self-employed borrowers whose tax returns do not show the complete cash-flow picture.
See requirements and tradeoffs →08 · Colorado jumbo loansJumbo loans in Colorado and Denver
Explore 10% down jumbo loans with no monthly mortgage insurance for qualified Colorado and Denver buyers, plus 15% and 20% down comparisons.
See requirements and tradeoffs →09 · Real estate investorsInvestment-property financing
Compare conventional, DSCR and portfolio strategies with a mortgage adviser who has invested in real estate since 2006.
See requirements and tradeoffs →10 · Renovation financingRenovation loans in Colorado
Compare Colorado renovation mortgage options that may combine a home purchase or refinance with eligible improvement costs in one financing plan.
See requirements and tradeoffs →11 · Move-up buyersBuy before you sell in Colorado
Compare Colorado buy-before-you-sell financing, bridge loans, home-equity options, sale contingencies and recasting before making your next offer.
See requirements and tradeoffs →12 · Denver pre-approvalMortgage preapproval in Denver
Get a documented Denver mortgage preapproval with clear payment, cash-to-close and loan-program assumptions before making an offer.
See requirements and tradeoffs →A useful comparison uses the same assumptions.
Changing the loan amount, rate structure, points or down payment can make one quote look better without making it the better decision.
- 01Set a comfortable complete monthly-payment and cash target.
- 02Review income, credit, assets, debts, occupancy and property type.
- 03Compare eligible programs using aligned rates, points, credits and timelines.
- 04Document the selected path and prepare a strong, realistic preapproval.
Before you choose a program.
01How do I choose the right mortgage program?+
Begin with the complete monthly payment, cash available after closing, income documentation, property type, occupancy and expected time in the home. The lowest down payment or advertised rate is not automatically the lowest-cost or best-fitting option.
02Can Impact compare multiple lenders and loan programs?+
Yes. As an independent mortgage broker, Impact can compare eligible programs and lenders for the same borrower and property assumptions. Availability, pricing and approval remain subject to current lender, investor and underwriting requirements.
03Should I get preapproved before choosing a home-loan program?+
A documented preapproval helps turn a general program comparison into a realistic price, payment and cash-to-close plan. The property, appraisal, title, insurance and updated borrower information must still meet final requirements.