Loan Programs — Northern Colorado
Every loan program available. Two that I specialize in.
Physician loans and VA loans are where most of my clients start — and where I have the deepest expertise. Every other program below is available when the situation calls for it.
Serving Fort Collins, Greeley, Loveland, Timnath, Windsor, Severance, and throughout Northern Colorado.
Where I Specialize
Physician loans and VA loans.
These two programs have the most nuance — and the most upside when structured correctly. Most of my clients are medical professionals or veterans.
Physician Loan
Zero down, no PMI, student debt excluded from DTI. Built for MD, DO, DDS, NP, PA, CRNA, PharmD, and more. Available up to $2M with no down payment.
Learn more →VA Loan
Zero down, no PMI, competitive government-backed rates. Available to veterans, active duty, National Guard, Reserves, and eligible surviving spouses.
Learn more →Investor Line of Credit
Revolving credit lines for real estate investors. Access capital quickly for acquisitions, renovations, or bridging gaps between deals — without refinancing your existing portfolio.
Learn more →All Programs
More loan programs.
When a physician loan or VA loan is not the right fit, there is almost always another path. These programs cover a wide range of borrower profiles and property types.
FHA Loan
3.5% down with credit scores as low as 580. The stepping-stone program for buyers building toward stronger financing.
Learn more →Conventional Loan
The standard mortgage for buyers with solid credit and documented income. Works for primary homes, second homes, and investment properties.
Learn more →Jumbo Loan
Financing above conforming loan limits for high-value properties. Rates and qualifications vary — competitive for strong profiles.
Learn more →DSCR Loan
Debt-service coverage ratio loans for investment properties. Qualify on rental income, not personal income. No W-2 or tax returns required.
Learn more →Refinance
Rate-and-term, cash-out, and VA IRRRL streamline refinances. Break-even analysis included so you know when it actually makes sense.
Learn more →HELOC
Home equity line of credit. Access your equity as a revolving credit line. Useful for renovations, debt paydown, or investment.
Learn more →Bank Statement Loan
12–24 months of deposits in lieu of tax returns. Built for self-employed borrowers, locum tenens physicians, and business owners.
Learn more →USDA Loan
Zero-down financing for eligible rural and semi-rural properties. Some Northern Colorado areas qualify — including parts of Weld County.
Learn more →Bridge & Construction
Bridge loans for buying before your current home sells. Construction loans for building new. Both are short-term products with specific use cases.
Learn more →Not sure which program fits?
Answer a few questions and get a recommendation in under two minutes. No account required.