Every path to a mortgage, explained honestly
As a mortgage broker, I'm not limited to one lender's guidelines or one set of products. Below is an overview of the loan programs I most commonly help Colorado clients navigate. Availability and guidelines vary by lender and borrower qualification — nothing here is a guarantee of approval, rate, or terms.
Start with the program closest to your situation
Conventional Loans
Learn how conventional mortgages work in Colorado, who they fit best, and how Nick Jimerson helps you compare conventional loan options.
Learn more Low Down PaymentFHA Loans
FHA loans in Colorado: flexible credit and down payment guidelines backed by the Federal Housing Administration. See if an FHA loan fits your situation.
Learn more Veterans & Service MembersVA Loans
VA loan benefits for eligible veterans and active-duty service members in Colorado, including no-down-payment financing. Learn how VA loans work.
Learn more First-Time BuyersFirst-Time Homebuyer Programs
A first-time homebuyer's guide to mortgage options in Colorado — down payment strategy, loan programs, and what to expect from Nick Jimerson.
Learn more HomeownersRefinancing
Rate-and-term and cash-out refinance strategy for Colorado homeowners. Understand your refinance options with mortgage broker Nick Jimerson.
Learn more InvestorsInvestment Property & DSCR Loans
DSCR loans and investment property financing in Colorado. Qualify based on a property's rental income rather than personal income documentation alone.
Learn more Self-EmployedSelf-Employed & Non-QM Loans
Bank statement loans, P&L loans, asset depletion, ITIN, and Non-QM mortgage options for self-employed Colorado borrowers.
Learn more Homeowners 62+Reverse Mortgages
Reverse mortgage options for Colorado homeowners 62 and older. Understand how a reverse mortgage works as a home equity strategy.
Learn moreMore specialized options
These programs serve more specific situations — ask me directly if one might apply to yours.
USDA Loans
USDA loans offer eligible buyers in qualifying rural and some suburban Colorado areas financing with no down payment required, backed by the U.S. Department of Agriculture. Eligibility depends on the property's location and the borrower's income relative to area limits.
Bridge Loans
A bridge loan is short-term financing that lets you access equity in a current home before it sells — useful when you need to close on a new home without waiting for your existing one to sell first.
Fix & Flip Financing
Short-term financing designed for investors purchasing a property to renovate and resell, typically structured around the purchase price and rehab budget rather than long-term occupancy.
ITIN Loans
For borrowers who file taxes using an Individual Taxpayer Identification Number rather than a Social Security number, ITIN loan programs offer a path to mortgage financing with their own documentation requirements.
Asset Depletion Loans
Qualify using liquid assets — savings, investments, retirement accounts — converted into a qualifying "income" figure, often used by retirees or high-net-worth borrowers with substantial assets but limited traditional income.
Non-QM Financing
An umbrella term for loans that don't meet the standard "qualified mortgage" criteria used by conventional and government-backed programs — often used for unique income, credit, or property scenarios that need more flexible underwriting.
40-Year & Interest-Only Programs
Extended-term and interest-only structures can lower a monthly payment by adjusting how principal is repaid over time — a strategy worth understanding fully, including long-term cost tradeoffs, before choosing it.
Second Home Financing
Financing for a second home or vacation property carries its own down payment, credit, and occupancy guidelines, distinct from both primary residence and investment property loans.
HELOCs & Home Equity Strategy
A home equity line of credit lets you borrow against your home's equity as needed, rather than in a single lump sum — a flexible tool for renovations, debt consolidation, or ongoing expenses.
Not sure which program fits?
That's the most common question I get — and exactly what a first conversation is for.