First-time buyers · Denver metro
Denver proper, Aurora, Littleton, Centennial, Highlands Ranch, Lakewood, Broomfield, Castle Rock and Parker — Ginny has closed buyers across the metro for years, and it is an easy drive up I-25 from her office. Here is how buying works in the Denver area, what help exists, and what to do first.
Where buyers are looking in Denver metro
Licensed statewide in Colorado — these are just the areas that come up most. Any address in the Denver metro works.
Down payment help in the Denver metro
CHFA — the Colorado Housing and Finance Authority — pairs a CHFA first mortgage (conventional, FHA, VA or USDA) with help for the down payment and closing costs, two ways: a down payment assistance grant that is never repaid, or a larger second mortgage with no interest and no monthly payment, repaid only when you sell, refinance or pay off the first mortgage. Income and purchase-price limits apply by county, you need to live in the home, and a CHFA-approved homebuyer education class is part of the deal. FirstStep is built for first-time buyers; SmartStep and Preferred also serve repeat buyers.
Ginny · Mortgage Loan OriginatorBuying in the Denver metro, specifically
A big share of Denver-metro first purchases are condos and townhomes, which means an association — and the building has to qualify too. Budgets, reserves, owner-occupancy and litigation all matter, and dues count in your qualifying payment. Ginny checks the association early so a great unit never dies at the finish line.
Much of the new construction in Aurora, Parker, Castle Rock and the north metro sits in a metro district, which finances the neighborhood's roads and utilities through a higher property tax bill. Two houses at the same price can carry very different payments. Ginny pulls the real tax figure before you write.
Beyond CHFA, the metroDPA program serves eligible buyers in participating Denver-area cities and counties, and some cities run smaller programs of their own. They come and go, and each has its own income rules — Ginny checks what is open the week you are buying.
Loan programs for Denver metro first-time buyers
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →$0 down for homes in eligible smaller communities across Colorado and Arizona — far more towns qualify than buyers expect.
Learn more →Colorado and Arizona both have real down payment help — CHFA and Arizona IDA programs can put thousands toward your down payment and closing costs.
Learn more →Six myths busted and the six-step path from first text to keys — the page to read before anything else.
Start here →How it works from Monument
Text, phone, video, secure document upload, and a closing at a title company near you. Your real estate agent and Ginny talk directly at every milestone — offer-day numbers in minutes and a call to every listing agent included.
Timing varies by file and depends on receiving complete documentation. Turnaround figures are typical, not guaranteed. This is not an offer to enter into an agreement; not all customers will qualify. Rates, programs and terms are subject to change. All loans subject to credit and property approval.
the Denver metro first-time buyer questions
Denver-metro buyers can use conventional loans with 3% down, FHA with 3.5% down, VA with $0 down for eligible buyers, and CHFA programs for down payment and closing cost assistance. The metroDPA program and some city programs may also apply; Ginny checks what fits your file.
Yes. Conventional, FHA and VA loans all allow condos, but the building itself must meet the lender's or agency's requirements, and association dues are included in your qualifying payment. Ginny reviews the association before you write.
Yes. Association dues and the full property tax bill — including any metro district mill levy — are part of the monthly housing payment used to qualify you, so a home with high dues or a high levy qualifies for a slightly lower purchase price than an otherwise identical one without them.
Yes. Ginny Grant holds Colorado Mortgage Loan Originator license 100501742 (NMLS #1443782), which covers Denver and every suburb in the metro, and works from Fairway Home Mortgage's Monument, CO branch.
the Denver metro buyers
After that it's just a conversation. Text Ginny what you're wondering about buying in the Denver metro — tonight is fine.
Applications happen on Fairway's secure site — never here.
