First Time Home Buyer
Loans in Colorado

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

FHA

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.

VA

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.

Conventional

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.

Jumbo

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

Front Range Mortgage

4.8

Based on 25 reviews

Write a review

J Caffey

02:26 09 Jul 25

I had an amazing experience working with Brian at Front Range Mortgage! As a veteran using my VA loan, I really appreciated how knowledgeable Brian was about the entire process. He made sure I understood all of my benefits and helped me get the most out of my VA loan with zero hassle.What stood out the most was Brian’s exceptional communication. He was always quick to respond, kept me in the loop every step of the way, and explained everything clearly so there were no surprises. The process was smooth, efficient, and completely stress-free.If you’re a veteran looking to buy a home, I highly recommend Front Range Mortgage and Brian. You won’t find better service, support, or professionalism anywhere else. Five stars all the way!

Mathew Pellegrini

23:30 05 Jun 25

Brian and his team were very helpful, especially with solving hurdles we experienced during a recent home buy. They made the experience very easy regardless. They also got me very good terms and helped with my minimal funds needed for down payment. I'll be working with Front Range again as soon as I have to ability to refinance to a lower rate!

Cynthia Gonzalez

18:42 03 Jun 25

Brian and team were awesome to work with for our refinance. Fast and easy process. This is my third time using their services.

Ethan Tait

15:54 20 Apr 23

Great experience from start to finish with Brian and his team. Constant communication, provided all the options available to us, and made the process seamless as can be. Walked us through every step in the process, if something did come up he was quick to communicate and provide all the information we needed to make an educated decision. 10/10 would recommend and we will hopefully be working with Brian and his team again in the future.

Michael Kearns

17:23 18 Apr 23

I'm a REALTOR in Denver, CO. Brian Murphy and his team at Front Range Mortgage have helped two of our clients purchase new homes. Both transactions closed on time, good interest rates, and with no drama! Great job!

Alex

01:45 16 Mar 23

This was my first time applying for a Mortgage, and I'm glad to have chosen Front Range. Professional, kind, and quick service got us cleared to close in about 2 weeks. The whole process went very smoothly, so big thanks to Brian and Ryan for working with me and always being available to answer my questions along the way.

David Day

21:11 19 Aug 22

They were professional, positive and great to work with. Going through a mortgage process is never fun, but they were fast, efficient and on top of the process through the whole thing.We closed on time with no issues. I highly recommend them!

Robert Evans

01:09 19 Jul 22

Called Front Range Mortgage and Brian answered. A few questions later we had the basics done and within 2 or 3 weeks it was a done deal! Was never passed over to anyone else until the final closing documents. Brian was available for all questions and was quick to respond. Definitely recommend

Sherry Nelson

21:53 15 Jul 22

I wanted to share this company front range mortgage is the best!there very helpful and understanding ryan and brian we really like how professional they are and to the point!i would give them A 100 percent recommend refiance threw this company.

Maverick Boch

12:14 30 Jun 22

I have had the pleasure of working with Front Range Mortgage and Brian personally for over a year now. Their team is committed to helping their clients find the right mortgage solution for their financial needs. All while providing an industry leading lending experience. Anyone looking for a mortgage in Colorado I suggest reaching out to Front range mortgage today!

patrick driscoll

22:51 29 Jun 22

Brian and his team are a valuable client and an excellent choice to handle your next mortgage transaction.

Joe Conway

20:49 29 Jun 22

Easy transaction. Buyers were surprised at the smoothness. Responsive team.Very pleased with this lender. Highly recommend.

Timothy Scholes

21:18 19 Jun 22

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.Thanks

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. ☺️😉

Clemente Galang

01:32 01 Feb 21

They were there when I needed them the most.

Mark Thompson

17:13 25 Jan 21

Dominic Lupori

15:59 25 Jan 21

great people, super fast, pleasant experience

John B

01:51 23 Jan 21

Matt Hayden

01:10 23 Jan 21

I have used Front Range Mortgage for several VA mortgage refinances. Each time they provide detailed comparisons of my options. The customer service is second to none and closing is a breeze! Victoria and Ryan had my loan closed and funded in less than 10 days!

rlrpjr1914

23:40 22 Jan 21

Derek De Poy

23:39 22 Jan 21

Wiley Long

00:14 16 Apr 20

Brian is the utmost professional. If you want no-hassle fast service and someone who will work in your interests, this is the place.

Mike Searls

13:39 31 Mar 20

Front Range Mortgage does an amazing job - an advocate for their clients. The entire team is first rate and they really care. I highly recommend.

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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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Front Range Mortgage

Loan Options

Resources

Contact

Front Range Mortgage (Springs Office)
102 S Tejon St #1100
Colorado Springs, CO 80903
(719) 540-2020
Find us on Google

Front Range Mortgage (Denver Office)
600 17th St #2800
Denver, CO 80202
(303) 500-1900
Find us on Google

Colorado Mortgage License
CO MLO #MB100020928
NMLS ID: 263091
NMLS ID: 378844

We’ve Got Your Six!

Copyright © – Front Range Mortgage: Colorado Mortgage Broker – Denver- Colorado Springs – Boulder – Fort Collins. All Rights Reserved.
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Colorado Mortgage Broker, Brian Murphy, Front Range Mortgage, LLC DBA United Mortgage Funding, LLC – Colorado Mortgage License #MB100020928 / NMLS #378844. Colorado Springs Office: 102 S. Tejon Street, # 1100, Colorado Springs, CO 80903. Denver Office: 12191 W. 64th Avenue, # 205, Arvada, CO 80004. Regulated by the Division of Real Estate http://www.dora.state.co.us/real-estate/index.htm(DORA)

Front Range Mortgage, LLC specializes in custom tailored low rate Colorado mortgage loans, debt consolation loans, second mortgages and home loan refinancing with personalized face to face service for clients in the metro Denver and front range area including Aurora, Arvada, Denver, Lakewood, Boulder, Fort Collins & Colorado Springs.

J Caffey

02:26 09 Jul 25

Mathew Pellegrini

23:30 05 Jun 25

Cynthia Gonzalez

18:42 03 Jun 25

Brian and team were awesome to work with for our refinance. Fast and easy process. This is my third time using their services.

Ethan Tait

15:54 20 Apr 23

Michael Kearns

17:23 18 Apr 23

Alex