03Loan programs
Seven ways to finance a home — plus the reverse side for homeowners 62+ — each explained like a friend would: who it's great for, the facts at a glance, and the questions people actually ask.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities across Colorado — east of Colorado Springs, Elbert County, Teller County and far more towns than buyers expect.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Colorado has real down payment help — CHFA statewide, plus metroDPA in the Denver metro and El Paso County’s Turnkey Plus in the Pikes Peak region — that can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Scott will show you. When it doesn’t, he’ll tell you.
Learn more →Reverse Mortgages (62+)
HECM and HECM for Purchase, explained honestly by someone who originates both forward and reverse. Flip the site over.
Flip to reverse ⇄
Scott · Loan OfficerReady when you are
No dumb questions, no pressure, no forms to fill out. Text Scott what you are wondering about and get a straight answer — usually the same day, nights and weekends included.
Applications happen on Fairway's secure site — never here.