Your Trusted Partner for Colorado Home Financing
From buying your first home to tapping equity for renovations or retirement, Cliff Mortgages helps Coloradans find smart, flexible loan solutions with clarity and personalized care.
Expert Guidance
Local support with a personal touch.
More Options
Access to 100+ wholesale lenders through C2 Financial.
Colorado Focused
Experience with Colorado buyers, homeowners, and investors.
Flexible Loan Options
Specialized Mortgage Services in Colorado – HELOC, DSCR, Reverse, and Purchase Loans
Not every borrower fits a traditional lending box — that’s where we specialize. From home purchases and refinances to HELOCs, Reverse Mortgages, DSCR loans, and creative financing, we provide clear guidance and flexible solutions for every stage of homeownership. Backed by C2 Financial’s competitive wholesale network, we help you access smart mortgage options with confidence.
Purchase Loans Made Simple
Find the right loan to buy your first home or next property. We guide you through every step with flexible options and local expertise.
Learn More →Flexible Home Equity Lines of Credit
Tap into your home's equity to fund renovations, debt consolidation, or new investments with our competitive HELOC programs.
Learn More →Smart Investor Solutions with DSCR & Non-QM
Qualify based on rental income or alternative criteria. Our DSCR and Non-QM programs are built for today's investors.
Learn More →Secure Your Future with a Reverse Mortgage
Stay in your home while accessing your equity. Our reverse mortgage solutions provide financial freedom in retirement.
Learn More →Your Partner in Colorado Homeownership
As a mortgage broker, we work for you, not the banks. We're committed to finding the right loan for your unique situation.
Expert Guidance
Navigate the complex mortgage landscape with a knowledgeable guide by your side, ensuring you make informed decisions.
More Loan Options
We shop dozens of lenders to provide you with a wide array of loan programs, finding competitive rates and terms you might not find on your own.
Personalized Service
You're more than just a number. We take the time to understand your goals to provide a tailored, seamless experience from start to finish.
Trusted Loan Programs
Government-Backed Loan Programs – FHA, VA, USDA, and Renovation Loans
Government-backed loan programs provide more accessible paths to homeownership, especially for buyers who need lower down payments, reduced interest rates, or flexible qualification standards. Whether you're purchasing your first home, renovating a property, or taking advantage of veteran benefits, these programs deliver trusted options supported by federal agencies.
Affordable FHA Loans
Benefit from low down payments and easier qualification. FHA loans make homeownership more accessible for many buyers.
Learn More →FHA 203(k) Renovation Loans
Finance both the purchase and improvements of a home with one loan. Perfect for fixer-uppers or remodels.
Learn More →VA Loans for Military Families
Take advantage of exclusive benefits for veterans and active service members, including no down payment and reduced fees.
Learn More →USDA Rural Housing Loans
Designed for rural and suburban buyers, USDA loans offer affordable financing with no down payment required.
Learn More →New
Equity Select
A flexible line of credit with payment plans as low as 1% of your annual loan balance.
Learn MoreMore Ways to Finance
Expanded Mortgage Solutions – Conventional, Jumbo, Commercial & Refinance Options
For borrowers with diverse financial needs, we provide expanded loan solutions that go beyond the basics. From financing high-value luxury homes to commercial properties or simply lowering your current mortgage payment, these programs offer competitive rates and terms designed to support growth, stability, and long-term success.
Conventional Loan Programs
Choose from flexible term options and competitive rates. Conventional loans are a reliable choice for well-qualified borrowers.
Learn More →Jumbo Loans for High-Value Homes
Finance luxury properties with larger loan amounts and tailored terms to fit your unique goals.
Learn More →Commercial & Construction Loans
Whether you're building new or financing business property, we provide solutions for growth and expansion.
Learn More →Refinance & Alternative Loan Options
Lower your rate, access cash, or restructure your mortgage. Explore refinancing and other creative lending strategies.
Learn More →Ready to Take the Next Step?
Whether you're ready to apply or just have a few questions, we're here to help. Get a no-obligation quote and see what's possible.
Get Your Free Quote