How much do I really need for a down payment?

Usually far less than 20%. Most of our first-time buyers put down 3% to 5% on conventional or FHA loans, eligible veterans put down nothing, and assistance programs can cover part or all of the down payment and closing costs.

What credit score do I need to buy my first home?

It depends on the program. FHA is the most flexible, conventional rewards stronger credit with better pricing, and every wholesale bank sets its own overlays. Bring us your real number and we will tell you honestly what it buys today and what a few months of work could unlock.

Should I wait until I have saved more?

Sometimes, but not as often as people assume. Between low down payment loans and assistance programs, many renters can buy years earlier than they planned. We will run your actual numbers both ways so the decision is based on math, not a rule of thumb.

What does it cost to talk with you?

Nothing. The conversation, the pre-approval, and the payment walkthroughs are free, and the math is yours to keep whether you work with us or not.

First Time Buyer Experts

First-time buyer experts, across Colorado

Buying your first home should come with a guide, not a sales pitch. We teach first-time buyers how the money actually works, then shop your loan across more than 70 wholesale mortgage banks.

A young couple laughing on the porch of their first Colorado home, holding keys and a welcome mat at sunset with mountains behind them

Most first-time buyers are closer to ready than they think. The down payment is usually smaller than expected, assistance programs can cover part or all of it, and the monthly payment is the number that actually matters. Our job is to show you all three before you tour a single home.

We work with first-time buyers across the Front Range and beyond. Pick your area below for local detail, or start with the guides and come back when you are ready.

What makes a first-time buyer expert

Anyone can quote a rate. First-time buyers need someone who explains the whole picture: the real monthly payment with taxes and insurance, the cash to close, the assistance programs worth applying for, and the mistakes that cost money.

Education first: you will understand every number before you sign anything.
Assistance programs: CHFA, metroDPA, Denver DPA, Aurora HOAP, and more, checked against your income and target price.
70+ wholesale banks: your file is shopped across the IMB network for better-than-market interest rates and fair, competitive fees.
A team, not a solo act: you always know the next step, and someone always answers.

Where we help first-time buyers

Each area below has its own page with local pricing context, the assistance programs that serve it, and the questions buyers there ask us most.

What first-time buyers ask us

The short version of each answer. If yours is not here, call or text 720-386-4071 and ask.

Questions about your own numbers?

Call or text 720-386-4071, or start the application and we will follow up the same day. The conversation is free, and the math is yours to keep.

Get Pre-Approved Call or text 720-386-4071