First-Time Homebuyer Mortgages in Colorado
Get Pre-Qualified Today
Colorado Home Start specializes in helping first-time homebuyers throughout Colorado achieve homeownership with as little as $1,000 out of pocket, flexible credit requirements, and personalized guidance every step of the way.
You don't need 20% down or perfect credit. You just need someone who knows how to get you qualified.
No credit check • Takes 3 minutes • No obligation • Get answers today
Prefer to talk? Schedule a Quick Call With Us!
Low Down Payment Options
Access Colorado down payment assistance programs and buy with as little as $1,000 out of pocket - programs online lenders don't even know exist.
Bad Credit? No Problem
Flexible credit requirements starting as low as 580. We work with your unique situation to find options that fit.
Fast Pre-Approval in 24-48 Hours
Get pre-approved quickly so you can compete in Colorado's market. Speed matters when sellers are reviewing multiple offers.
Get a Great Rate on Your First-Time Homebuyer Mortgage in Colorado
Empower your homeownership journey. From application to closing, every step is crafted for ease, speed, and confidence.
Personal Service You Can Trust
Direct access to our team - no call centers, no automated systems. Just real guidance from a local Colorado expert who answers your questions.
Get Approved Fast (24-48 Hours)
Pre-approval letters that sellers trust in Colorado's competitive market. Speed matters when making offers.
Multiple Loan Options to Fit Your Situation
We shop FHA, Conventional, VA, USDA, and Colorado assistance programs to find your best path to homeownership.
Flexible Credit Requirements
Credit scores as low as 580-620 accepted. We work with your unique financial situation to find options that fit.
Education-First Approach
We explain every step in clear, simple terms - no jargon, no pressure. You'll understand your options before making any decisions.
Access Hidden Down Payment Assistance
Unlock Colorado programs that online lenders miss - CHFA, MetroDPA, and local grants that can save you thousands.
Colorado Home Start made buying our first home so easy. We thought we'd need 20% down, but he found a Colorado program where we only needed $1,000. We closed in 35 days!
Jessica & Daniel Morales
First-Time Homebuyers, Colorado Springs, CO
Start Your Homeownership Journey With Confidence
Get personalized guidance, access to Colorado down payment assistance programs, and fast pre-approvals - everything you need to buy your first home.
Why Colorado First-Time Homebuyers Choose Colorado Home Start
From your first question to closing day, you'll have a trusted local expert guiding you through every step - with clear answers, fast approvals, and access to programs that save you money.
Local Colorado Expertise
Colorado Home Start knows Colorado neighborhoods, property values, and local down payment assistance programs that online lenders miss.
Multiple Loan Options
We compare FHA, Conventional, VA, USDA, and CHFA programs to find the best fit for YOUR situation - not what's easiest for us.
Direct Access to Our Team
Text or call us directly with questions. No call centers, no waiting - just real answers when you need them.
Ready to Start Your Homeownership Journey?
Get pre-qualified in minutes and discover how much you can afford. With access to Colorado down payment assistance programs, competitive rates, and expert guidance - your dream home is closer than you think.
Your Path to Homeownership – Simple, Clear, and Supported
Here's how we help you go from pre-qualification to keys in hand
Step 1
Get Pre-Qualified (Free, 5 Minutes)
Answer a few quick questions and find out exactly what you can afford - no credit check, no obligation. We'll show you real numbers so you can shop with confidence.
Step 2
Explore Your Loan Options
We'll show you available programs including Colorado down payment assistance (CHFA, MetroDPA) that can get you in with as little as $1,000. We compare FHA, Conventional, VA, and USDA to find your best fit.
Step 3
Get Approved Fast (24-48 Hours)
Receive your pre-approval letter so you can make competitive offers that sellers take seriously. In Colorado's market, speed matters—and we deliver.
Step 4
Close on Your New Home
We guide you through every step - from paperwork to closing day. You'll always know what's happening next. Average closing time: 30-45 days.
What Makes Colorado Home Start Different?
We're a local Colorado team that specializes in first-time homebuyers. Unlike big banks and online lenders, we take time to understand your unique situation and find programs that save you money.
Local Expertise
Transparent Pricing
Fast Approvals
Personal Service
What Our Clients Say
We’re proud of our work - here’s what our clients have to say about partnering with us:
Made Our Dream Home Affordable
"We thought we needed 20% down and perfect credit. The team at Colorado Home Start showed us programs we never knew existed. We bought our first home with only $1,000 out of pocket!"
Maria & Carlos G.
First-Time Homebuyers
Aurora, CO
Found Us the Perfect Loan Program
"The process was so much easier than we expected. They answered every question, explained everything clearly, and we closed in just 30 days!"
Jennifer L.
First-Time Homebuyer
Denver, CO
Quick and Stress-Free Experience
"My credit wasn't perfect, but they didn't give up on me. They found a program that worked and now I'm a homeowner!"
Marcus T.
First-Time Homebuyer
Colorado Springs, CO
Start Your Homeownership Journey
Frequently Asked Questions
Got questions? Here are answers to common queries before starting your home loan journey with us.
Do I really need 20% down to buy a home in Colorado?
No! With Colorado down payment assistance programs like CHFA and MetroDPA, you can buy with as little as $1,000 out of pocket. FHA loans require only 3.5% down, and conventional loans can go as low as 3%.
What credit score do I need to qualify?
It depends on the loan type. FHA loans accept scores as low as 580, and some conventional programs accept 620+. Even if your credit isn't perfect, we can help you find options.
How long does it take to get pre-approved?
We typically provide pre-approval letters within 24-48 hours. This is crucial in Colorado's competitive market where sellers want to see buyers who are ready to move quickly.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on information you provide. Pre-approval involves verifying your income, assets, and credit—giving you a more accurate budget and showing sellers you're serious.
Can I use gift money for my down payment?
Yes! Most loan programs allow gift funds from family members for your down payment and closing costs. We'll help you document it properly.
What documents do I need to get started?
To begin, we'll need proof of income (paystubs, W-2s, tax returns), credit history, bank statements, and identification. We'll guide you through each step of the documentation process.
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