Loan Type
REFINANCE
LOANS
Lower your rate, reduce your monthly payment, or access your home's equity. Discover how refinancing can save you money throughout Colorado.
Lower your rate, reduce your monthly payment, or access your home's equity. Discover how refinancing can save you money throughout Colorado.
Refinancing your Colorado home can unlock significant financial advantages, from lower monthly payments to accessing equity for major expenses.
Take advantage of better rates to reduce your monthly mortgage payment and save thousands over the life of your loan.
Access your home's equity to fund home improvements, consolidate debt, or cover major expenses.
Refinance to a 15 or 20-year term to build equity faster and pay off your home sooner.
If your home value has increased, refinancing can eliminate private mortgage insurance and reduce your monthly payment.
Convert from an adjustable-rate mortgage to a fixed-rate for predictable payments, or vice versa.
Use a cash-out refinance to pay off high-interest credit cards, student loans, or other debts at a lower rate.
Understanding the basic requirements can help you determine if refinancing is right for you.
Typically need 6-12 months of on-time mortgage payments with no recent late payments.
Minimum 620 for conventional refinancing. Higher scores qualify for better rates.
Generally need at least 20% equity in your home. 3% minimum for some programs.
Typically 43% or lower, though some programs allow up to 50% with compensating factors.
Proof of stable income through pay stubs, tax returns, and employment verification.
Whether you want to lower your rate, shorten your term, or access cash, we have refinance solutions tailored to your Colorado home.
Lower your interest rate or change your loan term for better monthly payments
Access your home equity for renovations, debt consolidation, or major purchases
Fast, simplified refinancing for FHA and VA loans with minimal documentation
Refinancing can benefit Colorado homeowners in various situations and financial goals.
If rates have dropped since your original loan, refinancing could save you thousands in interest.
Use cash-out refinancing to fund renovations that increase your Colorado home's value.
Pay off high-interest credit cards and loans by consolidating debt into your mortgage at a lower rate.
Refinance to a shorter term to build equity faster and own your home sooner.
Looking to purchase instead? Explore our home purchase loan options.
Low down payment options with flexible credit requirements, ideal for first-time buyers.
Traditional financing with competitive rates, flexible terms, and no mortgage insurance with 20% down.
Zero down payment financing exclusively for eligible veterans, active military, and qualified spouses.
Zero down financing for eligible rural and suburban areas with income requirements.
Explore unique financing solutions.
Buy your next home before selling your current property with flexible short-term financing solutions.
Specialized financing for medical professionals with flexible debt ratios and no PMI options.
Build your dream home with one-time close construction-to-permanent financing solutions.
Finance both purchase and renovations with FHA 203k and Conventional HomeStyle programs.
Financing options for warrantable and non-warrantable condominiums in Colorado communities.
Alternative financing for self-employed borrowers using bank statements or asset-based qualification.
Investment property financing based on rental income without personal income verification.
Reduce your initial mortgage payments with 2-1 and 1-0 buydown programs for easier affordability.