Products & Programs

Loan programs for every stage of homeownership.

From your first home to your next investment property, there’s a loan built for your goals. As a broker, I compare options from multiple wholesale lenders to find the one that fits you best.

Purchase

Home purchase loans

Buying your first home, moving up, or adding a property? Here are the most common options.

Conventional

Conventional Fixed-Rate

A steady rate and payment for the life of the loan, typically 15 or 30 years. As little as 3% down for eligible first-time buyers, and mortgage insurance can be removed once you reach 20% equity.

Government*

FHA Loans

Flexible credit guidelines and as little as 3.5% down with a qualifying credit score. A popular choice for first-time buyers.

Government*

VA Home Loans

For eligible veterans, active-duty service members, and some surviving spouses. In many cases no down payment and no monthly mortgage insurance.

High balance

Jumbo Loans

Financing for loan amounts above the conforming loan limit, for higher-priced homes in Denver and beyond.

Flexible

Adjustable-Rate (ARM)

A lower initial fixed rate for a set period, often 5, 7, or 10 years, before it adjusts. Can make sense if you plan to sell or refinance.

First home

First-Time Homebuyer Options

Guidance from pre-approval to closing, plus help finding out whether you qualify for down payment assistance where available.

Low down

Low Down Payment Loans

Buy sooner and keep more savings in reserve, with conventional options from 3% down for eligible buyers and FHA loans from 3.5% down.

Real estate

Second Homes & Investment

Financing for a vacation home, rental property, or your next investment, with options for single-family and multi-unit properties.

Investors

DSCR Loans

Qualify based on the property’s rental income instead of your personal income, typically with no tax returns or W-2s. A popular way to grow a rental portfolio, including many short-term rentals.

Refinance & home equity

Refinance and equity options

Lower your payment, shorten your term, or put your equity to work.

Lower payment

Rate & Term Refinance

Replace your current loan to lower your rate or payment, change your loan term, or move from an FHA loan to conventional to remove mortgage insurance.

Use your equity

Cash-Out Refinance

Turn home equity into cash for renovations, debt consolidation, or major expenses. Consolidated debt is rolled into your new mortgage, not eliminated, and a longer term may increase total interest paid.

Keep your rate

HELOC & Home Equity Loans

Borrow against your equity while keeping your current first mortgage and its rate. Use a line of credit as needed, or a fixed home equity loan for a one-time expense.

Simplified

Streamline Refinance*

FHA Streamline and VA Interest Rate Reduction (IRRRL) refinances can offer reduced documentation for eligible homeowners with existing FHA or VA loans.

Age 55+

Reverse Mortgages

Turn home equity into cash, monthly payments, or a line of credit with no required monthly mortgage payment. FHA reverse mortgages (HECMs) are for homeowners 62+, and select private programs start at age 55. You keep the title and stay responsible for taxes, insurance, and upkeep. How reverse mortgages work →

Not sure where to start?

Let’s find the right fit together

The best loan depends on your credit, down payment, income, timeline, and goals. Tell me a little about your situation and I’ll lay out your options side by side, with real numbers, so you can choose with confidence.

*DNVR Lending, LLC is not affiliated with or endorsed by the government, FHA, or VA. All loans are subject to credit and property approval. Programs, rates, terms, and conditions are subject to change without notice.

Ready when you are

Ready to compare your options?

Apply online in minutes, or call me to talk through which program fits your goals.

This is not an offer to enter into any agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations may apply. DNVR Lending, LLC is an independent mortgage broker and is not affiliated with the Department of Housing and Urban Development, the Federal Housing Administration, the Department of Veterans Affairs, or the USDA. Not intended as legal or financial advice.