Colorado Mortgage Broker — Wholesale Rates for CO Home Buyers
Options Home Loans is a licensed Colorado mortgage broker (NMLS #2221613) serving buyers and homeowners across the state. We shop multiple wholesale lenders to find rates retail banks can't match — on FHA, VA, conventional, jumbo, non-QM, and DSCR loans.
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Wholesale Rates
Wholesale Access
NMLS #2221613
Licensed in Colorado
Same-Day Pre-Approval
Fast Closings
Loan Programs Available in Colorado
Every program available through wholesale lenders — not just what one bank offers.
FHA Loans
3.5% down, 580+ credit score
VA Loans
0% down for veterans & active military
Conventional
Fannie Mae / Freddie Mac financing
Jumbo Loans
Above conforming limit — up to $5M+
Non-QM / Bank Statement
Self-employed, no tax returns needed
DSCR Investor Loans
Qualify on rental income, not W-2
2026 Colorado conforming loan limit: $806,500 for most counties. High-cost counties (Eagle, Pitkin, San Miguel, Summit, Garfield) reach up to $1,249,125. See full 2026 loan limits table →
Colorado First-Time Buyer & Down Payment Assistance Programs
CHFA FirstStep
Colorado Housing and Finance Authority (CHFA) offers down payment assistance of up to 4% of the loan amount as a deferred second mortgage. Available statewide for first-time buyers meeting income limits.
CHFA SmartStep
Pairs a CHFA first mortgage with a 3% down payment assistance grant. No repayment required on the grant portion. Income and purchase price limits apply.
Metro DPA (Denver Metro)
The Metro Mortgage Assistance Plus program provides up to 4% of the loan amount as a grant for buyers in the Denver metro area. No repayment required.
Colorado USDA Loans
Rural Colorado buyers may qualify for USDA loans with 0% down payment. Eligible areas include many communities outside Denver, Colorado Springs, and Fort Collins.
DPA program availability and terms subject to change. Contact us for current program details and eligibility requirements.
Colorado Mortgage FAQ
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Options Home Loans LLC · NMLS #2221613 · Equal Housing Lender. Licensed in Colorado.