Mortgage Programs

Shopping for a mortgage? We'll be glad to answer your questions about your mortgage needs! Call us at (303) 931-3239. Ready to begin? Apply Here.

Home Loan Mortgage offers a wide array of programs. Here is a brief list of what we offer:

  • Conventional, Conforming Loans
    • Fixed Rate (FRM) and Adjustable Rate Mortgages (ARM)
    • Custom Terms (don't start over, choose the number of years you want your loan to be!)
    • 1% Down Conventional Financing (lender contribution up to $5,000)
    • HomeStyle Renovation Financing
    • Modular and Manufactured homes
    • Long term locks (up to 180 days)
    • Second homes and Investment properties
    • First-time home buyers
    • Down Payment Protection Plan
    • Down Payment Assistance Programs
    • Home Ready and Home Possible Financing (expanded Conventional financing with lower or no monthly mortgage insurance)
  • High Balance Conforming loans (loan amounts above $453,101 with conforming guidelines - County Specific) 
  • FHA Loans - 3.50% down
    • Fixed Rate Mortgages and Adjustable Rate Mortgages
    • 1.50% Down FHA Loan - Credit Score down to 580 (2% Grant)
    • FHA One-Time Close (1x Construction-to-Perm loans)
    • FHA Streamline loans (with or without appraisals)
    • Down Payment Protection
    • 203k FHA Construction Loans
    • Modular and Manufactured homes
    • Long term locks (up to 180 days)
    • First-time home buyers
    • Down Payment Assistance Programs
    • High Balance Conforming loans (loan amounts above $453,101 with conforming guidelines - County Specific) 
  • VA Loans - 0% down
    • Fixed Rate Mortgages and Adjustable Rate Mortgages
    • VA One-Time Close (1x Construction-to-Perm loans)
    • VA IRRRL's (streamlines without appraisals)
    • Modular and Manufactured homes
    • Long term locks (up to 180 days)
    • First-time home buyers
    • Down Payment Assistance Programs
    • High Balance Conforming loans (loan amounts above $453,101 with conforming guidelines - County Specific)
  • USDA Loans - 0% down
  • Jumbo Loans (Loan Amounts of $453,101 and above)
  • Reverse Mortgages (HECM Loans)
    • HECM Standard
    • HECM Saver
  • Other Niches
    • Non-Warrantable Condos
    • Alt-A Financing
    • Interest only loans
    • Agricultural Property Loans
    • Private Money
    • Home Renovation Loans
  • Second Mortgages
    • Home Equity Lines of Credit (HELOC)
    • Fixed Rate Seconds
And many more! Please contact us for more information.


Have questions about mortgage loans? Call us at (303) 931-3239 or e-mail us at t@hlmcolorado.com.  We answer questions about different types of loans every day.

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