Hero Loan Programs

We'll Help You Find Just the Right Loan Program

When you choose Planet Home Lending 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! And rest assured – your loan will not be sold and bounced around to different lenders. Planet Home Lending services its loans (except CHFA and Jumbo)!

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 some Colorado counties are eligible for loan amounts as high as $654,350 (the standard limit is $548,250)

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 620
  • Flexibility on debt to income ratio
  • Choose between 15 year Fixed Rate or 30 year Fixed Rate
  • No Monthly PMI
  • Streamline refinance available – no income/asset qualification, no appraisal (VA IRRRL)

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 620
  • Flexibility on debt to income ratio
  • Choose between 15 year Fixed Rate or 30 year Fixed Rate
  • Upfront and monthly MIP
  • Streamline refinance available

Jumbo Loans

Jumbo loans are typically for home buyers who seek loan amounts higher than $548,250, the national loan limit for standard loan programs. Colorado does have some counties that permit higher standard loan amounts (up to $654,350, depending on the county), but anything above that falls into Jumbo territory. We have many Jumbo programs to choose from! We can help you determine whether a Jumbo loan program meets your needs.


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We Proudly Serve Those Who Have Served Our Community!

J. David Lampe
The Principal Team - Metro Brokers
390 Interlocken Crescent #350
Broomfield, CO 80021
Each Metro Brokers, Inc. office is independently owned and operated.

REALTOR® -- A registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS® and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR® holds membership.

Equal Housing Opportunity

Seth Erickson
Planet Home Lending
165 South Union Blvd #901
Lakewood, CO 80228
Company NMLS# 17022




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