Great programs are available for First-Time Homeowners (or if you have not owned a home in the last 3 years, you still qualify for 1st Time Homeowner programs) including loans up to 100% or 101.5% of the home appraised value and even loans with Forgivable Grants of 2% or more. Contact me, Herm Brocksmith, for more details at 720-471-2453.

Federal Housing Administration (FHA) loans are a popular option for home buyers, particularly first-time buyers, who may not have a large down payment or a high credit score. FHA loans are insured by the government, which means lenders are more willing to offer these loans to borrowers who may not qualify for a conventional mortgage.

FHA loans typically require a down payment of just 3.5% of the purchase price, making it easier for buyers to get into a home. In addition, FHA loans have more flexible credit requirements than conventional loans, allowing borrowers with less-than-perfect credit to still qualify. These factors make FHA loans an attractive option for many home buyers looking to achieve their dream of homeownership.

If you are in a higher rate, you can easily refinance to a lower FHA loan using the FHA Streamline Loan. Call me at 720-471-2453 or email me at [email protected] for more information.