Front Range Heroes

Hero Loan Programs

We'll Help You Find Just the Right Loan Program

When you choose Guardian Mortgage for your financing needs, you’ll have access to the most popular mortgage programs currently available. Tell us about your goals and we’ll help you choose the right loan program!

Conventional Loans

These loan programs are typically for home buyers who have above average to excellent credit scores, and low to moderate debt to income ratios. Special first time home buyer options exist, which carry reduced-cost Private Mortgage Insurance.

  • 3% minimum down payment
  • Typically best option for 700+ credit scores
  • Home Possible and Home Ready programs for first time buyers (reduced PMI)
  • Multiple PMI options if your down payment is under 20% (We’ll go over these options with you)
  • Properties in many Colorado counties are eligible for loan amounts as high as $561,200

Government Loans

VA – The VA loan program is for our country’s active duty military and veteran home buyers. There is usually $0 owed for a down payment. Veterans can use their benefits more than once and can even have two VA loans at the same time. This program is for primary residence homes only, and allows loan amounts up to $1,000,000!

  • $0 down payment
  • Credit scores as low as 580
  • Flexibility on debt to income ratio
  • Choose between 15 year Fixed Rate or 30 year Fixed Rate
  • No Monthly PMI

FHA – The FHA loan program is a great option for first time home buyers who don’t have perfect credit scores or need flexibility with credit or debt to income ratio guidelines. It allows for greater flexibility when you have a bankruptcy or foreclosure on file. 

  • 3.5% minimum down payment
  • Credit scores as low as 580
  • Flexibility on debt to income ratio
  • Choose between 15 year Fixed Rate or 30 year Fixed Rate
  • Upfront and monthly MIP

Down Payment Assistance Programs

The state of Colorado has special programs that offer financial assistance for home buyers who need help with a down payment. They typically have limits on household income and come with higher interest rates than regular loan programs. CHFA is a popular option that provides either 3% or 4% assistance towards your down payment and can be used with either conforming or FHA loans in addition to your FRH incentives (the lender credit is not available if you use CHFA, but you can still get the realtor rebate). We’re happy to discuss CHFA with you to see if it’s the right loan program for you.

Jumbo Loans

Jumbo loans are typically for home buyers who seek loan amounts higher than $484,350, the national loan limit for standard loan programs. Colorado does have some counties that permit higher standard loan amounts (up to $561,200), but anything above that falls into Jumbo territory. We have over a dozen Jumbo programs to choose from! We can help you determine whether a Jumbo loan program meets your needs.


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