First Time Home Buyer
Loans in Colorado

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We’ve Got Your Six!

Do you dream of buying your first home in Colorado? Front Range Mortgage works with first time home buyers in Colorado to find the right home mortgage loan to make those dreams come true.

We offer a full range of mortgages and will find a custom Colorado mortgage that fits your needs and financial situation. Our Colorado mortgage specialists serve the Front Range (from Denver), Vail and the Mountain Communities, and the rest of the state.

We Offer These First Time Homebuyer Loan Programs in Colorado


The FHA loan program insured by the Federal Housing Administration (FHA) is the first option for many first time homebuyers. It is an excellent fit because of its loose credit and DTI ratio requirements, its low down payment requirement, and its affordable interest rates.


One of our mains specialties at Front Range Mortgage is working with veterans and active duty members of the US military. For first time military homebuyers, we recommend starting by checking into the VA loan program insured by the US Department of Veterans Affairs (VA). You may be able to move into a new Colorado home with zero down.


Think you can’t buy a home with a low down payment using a conventional mortgage? Many first time homebuyers are not aware that conventional loans can start as low as 3% down.


When you need to borrow more than Fannie Mae and Freddie Mac allow, a jumbo loan may be an appropriate first time homebuyer mortgage.

Why Work With Front Range Mortgage on Your First Home Loan?

The decision to purchase a home is one of the largest commitments you will make in your life. Financial considerations may seem stressful, and you may feel confused about all the different loan options. But we are here to take the guesswork and the stress out of the equation.

Here are some reasons to choose us:

We offer a wide spectrum of loan products for first time homebuyers. We know that you probably have a lot of questions and need help figuring out which loan is most suitable for your needs. We will patiently walk you through the loan process and discuss the features of different loan products with you in-depth to help you identify the right mortgage.

As a first time homebuyer, you may still not have an ideal credit score. That is perfectly okay. We have helped many homebuyers to overcome barriers involving credit, and will not rest until we have matched you with an affordable mortgage regardless of your score.

It takes us just 2-3 weeks to close. If you are on a tight schedule, we’ll make sure that the loan process is completed in time for you to buy your dream home.

Are you a VA first time homebuyer? You will be excited to learn that we do around 75% of our business with VA customers just like you. We have helped many active duty and retired military members purchase their first homes quickly and affordably in Colorado, and would love to help you do the same.

Just as you will have questions at the beginning of the lending process, we know that you will have questions throughout the experience. To make sure that you get fast answers when you need them, we provide you with ongoing updates on your loan status and are always available to you via phone, text or email.

We offer a No Surprise Mortgage Guarantee. Our promise to you is that the rate which we quote you is the final rate you will receive. We also guarantee your closing costs to the penny. If our estimate is incorrect, we pay the difference.

If you will be making use of gift funds or a down payment assistance program, we can also work with you to incorporate these into your loan process, and answer any questions you might have about either.

What Our Clients Are Saying

Dennis Linn
Dennis Linn
18:26 18 Aug 21
We had a great experience at Front Range. Victoria took excellent care of us and we got a tremendous rate. I had a little trouble but they worked right through it without a hitch.If I ever re-fi... again I’ll be right back here to do it.Thanksread more
CindyJo Abbott
CindyJo Abbott
03:51 15 Aug 21
I work with Victoria and Brian as a loan closing specialist. I have received so much POSITIVE feedback about how much everyone loves working with both of them. I always have a great conversation and... extreme professionalism is always at the forefront.If you need/want to refi, go through a home purchase, etc … and are unsure where to go or who to talk to, look no further than Front Range Mortgage with Victoria or Brian …. You never know, you might get lucky and have me conduct your closing. ☺️😉read more
Clemente Galang
Clemente Galang
01:32 01 Feb 21
They were there when I needed them the most.
Mark Thompson
Mark Thompson
17:13 25 Jan 21
Dominic Lupori
Dominic Lupori
15:59 25 Jan 21
great people, super fast, pleasant experience

Apply Today for Your First Mortgage

It’s time to move into your first home in Colorado. Whether you are shopping for home in Denver, Colorado Springs, Boulder, Grand Junction, or the Western Slope Communities, we want to match you with your ideal mortgage. We work with customers throughout the state and are locally-based. Front Range Mortgage is Colorado Local, Colorado Only, Colorado Proud. To get started Click below or call (303) 500-1900 in Denver.

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