Loan Programs
Explore our comprehensive mortgage loan programs and find the perfect financing solution for your homeownership journey.
Your Path to Homeownership Starts Here
At The Mortgage Bureau, we specialize in VA, FHA, Conventional, and USDA home loans designed to fit your unique financial situation. Whether you're buying your first home, refinancing, or looking into government-backed loan options, we're here to make the process smooth and stress-free.
Our mortgage specialists can guide you through the options and help you select the program that offers the best rates and terms for your situation. With extensive experience in Colorado and beyond, we deliver trusted, personalized guidance with a broad reach and a local touch.
Our Loan Programs
Conventional Loans
Traditional mortgages for homebuyers with good to excellent credit and stable income.
Key Features:
- Fixed or adjustable rates
- Down payments as low as 3-20%
- Competitive rates
- Flexible terms (15, 20, 30 years)
FHA Loans
Government-backed loans designed for first-time homebuyers and those with lower credit scores.
Key Features:
- Down payments as low as 3.5%
- More flexible credit requirements
- Lower interest rates
- Perfect for first-time buyers
VA Loans
Exclusive benefits for military veterans and active-duty service members.
Key Features:
- 0% down payment
- No private mortgage insurance required
- Competitive rates
- Streamlined process for eligible veterans
USDA Loans
Mortgages for rural homebuyers who meet income and property location requirements.
Key Features:
- 0% down payment
- Lower interest rates
- No private mortgage insurance
- Support for rural communities
Jumbo Loans
Financing options for luxury properties exceeding conventional loan limits.
Key Features:
- Loans above $766,550
- Flexible terms
- Competitive rates for large mortgages
- Customized solutions
Investment Property Loans
Financing solutions for second homes, rental properties, and investment real estate.
Key Features:
- Various down payment options
- Flexible credit requirements
- Investment portfolio analysis
- Professional guidance
Program Details
Conventional Loans
Conventional loans are the most common type of mortgage and offer great flexibility for borrowers with strong credit profiles. They can be used for primary residences, second homes, or investment properties.
FHA Loans
FHA loans are insured by the Federal Housing Administration, making them an excellent choice for first-time buyers or those with less-than-perfect credit. They offer competitive rates and lower down payment requirements.
VA Loans
VA loans are a powerful benefit for those who have served our country. With no down payment requirement and no PMI, these loans offer incredible value for eligible veterans, active-duty service members, and their families.
USDA Loans
USDA loans are designed to promote homeownership in rural and suburban areas. With zero down payment and low interest rates, they're an excellent option for eligible buyers looking for affordable financing outside major metropolitan areas.
Jumbo Loans
Jumbo loans are tailored for high-value properties that exceed conforming loan limits. These loans offer flexible terms and competitive rates for qualified buyers seeking luxury homes or properties in high-cost areas.
Investment Property Loans
Investment property loans provide financing for real estate investors looking to grow their portfolio. Whether you're purchasing a rental property, vacation home, or commercial space, we have solutions to meet your investment goals.
Quick Comparison
| Program | Min. Down Payment | Credit Requirements | PMI Required | Best For |
|---|---|---|---|---|
| Conventional | 3-20% | 620+ | Yes (if under 20%) | Strong credit borrowers |
| FHA | 3.5% | 580+ | Yes (for life) | First-time buyers |
| VA | 0% | No minimum | No | Veterans & military |
| USDA | 0% | 580+ | No | Rural homebuyers |
| Jumbo | 10-20% | 700+ | Varies | Luxury properties |
Not Sure Which Program is Right for You?
Our mortgage specialists can review your situation and recommend the best loan program for your needs and budget. We're here to guide you every step of the way with honesty, transparency, and expertise.