Loan Programs
Our goal is to help you understand which loan programs may work best for you. Depending on your situation, we may explore conventional, FHA, VA, USDA, jumbo or other loan types. Start with the one that sounds like you.
No down payment as long as the price isn't higher than the appraised value, and no private mortgage insurance. Your guide is a Navy Submarine Veteran who has used his own VA benefit more than once.
Read the VA guide →VA funding fees, explainedVA loans in Colorado SpringsCredit, down payment and mortgage insurance, side by side, so you pick the right one.
Read the comparison →FHA loans for first-time buyersThe six steps from pre-approval to keys, and the down payment help worth asking about.
Read the first-time buyer guide →First-time buyer programsHow a lender actually reads your income, and what to have ready before you apply.
Read the article →A refinance, a cash-out or a home equity loan: what each one does and when it makes sense.
Read the article →What is a home equity loan?We also work with jumbo and USDA loans, and with buyers purchasing a rental. Tell us what you're working on and we'll point you to the right fit.
Book a call with Jimmy →Buying a rental? Start hereFive steps, and we walk you through every one.
A quick phone call so you can get to know us and ask your first questions. Want your partner or parents on the call? Bring them. Evenings and weekends work too.
Online or over the phone, whichever you prefer. It takes about ten minutes and covers your job, income and assets.
We'll ask for things like W-2s, pay stubs, ID, tax returns (especially if you're self-employed) and who you'd like to use for homeowner's insurance. Then we review your credit and your loan options with you and issue your pre-approval letter, so you can shop with confidence.
Congratulations! You'll deposit your earnest money with the title company and order your home inspection, and we'll order the appraisal. Once we talk through locking your rate, watch your email for disclosures to e-sign. The underwriter may have a few follow-up questions; we'll keep you posted.
We review the final numbers with you, and the title company sends wiring instructions. Before you wire anything, call the title company at a number you already know to confirm them. Bring two forms of ID to closing, and you leave with the keys.
The Everetts Lending Team works through Edge Home Finance, LLC, a mortgage broker. That means we aren't limited to one bank's loans. We compare lenders and programs to find the one that fits your situation, and we work for you, not the lender.
Source for VA loan features: U.S. Department of Veterans Affairs, Purchase loan (checked October 27, 2026).
Straight answers on home loans across Colorado, from Navy Submarine Veteran Jimmy Everetts and the Everetts Lending Team.
