Colorado Conventional Mortgage Loans
Conventional Colorado home loans for primary residences, second homes, and investment properties with flexible down payments and cancellable PMI.
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.
Program Overview
Colorado Conventional Mortgage Loans
Conventional mortgages are the gold standard for qualified homebuyers who want the widest range of options. We leverage your strong credit, income, and assets to shop multiple wholesale lenders, structure PMI intelligently, and secure a loan that aligns with both your short-term budget and long-term wealth strategy.
Key Benefits
- » PMI that can be removed once you reach the required equity threshold.
- » Options for a wide range of property types, including second homes and rentals.
- » Potentially lower overall cost of ownership compared to most government-backed loans.
- » Competitive fixed and adjustable-rate structures tailored to your financial goals.
Who is this for?
This loan may be a great fit if you meet the following general criteria:
- » Borrowers with strong credit scores (typically 620+; best pricing at 740+).
- » Homebuyers with stable income, verifiable assets, and manageable debt-to-income ratios.
- » Those purchasing or refinancing primary residences, second homes, or investment properties.
- » Clients seeking jumbo-conforming or high-balance options above standard loan limits.
These are general guidelines. Contact us for a personalized assessment. Not a commitment to lend.
Why Choose Cliff Mortgages for Your Conventional Loan
For strong borrowers, a conventional loan can be an excellent choice. We help ensure you get the maximum advantage from your financial profile.
The Best Options for Strong Borrowers
We shop your loan with lenders who specialize in competitively priced conventional loans, helping you access more favorable rate and program options based on your financial profile.
Lowest-Cost PMI Options
If you’re putting less than 20% down, we compare PMI options (monthly, single-pay, and lender-paid) across multiple carriers to help identify the most cost-effective solution for your needs.
Streamlined Approval Experience
Conventional loans follow clear guidelines. Our team understands what lenders expect, allowing us to package your file efficiently and help support a smoother, streamlined underwriting review.
The Gold Standard in Home Financing
A Conventional Loan is the go-to for most qualified homebuyers, offering flexibility and long-term savings that government-backed loans can't match.
Conventional Loan
- PMI Is Cancellable: PMI may be removed once you reach an equity level that meets investor or lender guidelines.
- Flexible Property Types: Suitable for primary residences, second homes, and investment properties.
- Potential for Lower Overall Cost: May offer a lower total cost over time depending on the borrower’s scenario.
FHA Loan (Government-Backed)
- MIP for Life: Mortgage insurance typically lasts for the full loan term.
- Primary Residence Only: Not eligible for second homes or investment properties.
- Higher Insurance Cost: Includes both upfront and monthly premiums.
Why Conventional Beats FHA for Strong Borrowers
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Lower Monthly Costs Over Time
Remove PMI when equity reaches lender thresholds to reduce your payment.
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Eligible for Second Homes & Investments
Expand your real estate portfolio with the same familiar guidelines.
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Rate & Term Flexibility
Choose from fixed, ARM, and high-balance options to match your goals.
Competitive Edge vs. Other Lenders
We help you compare rate sheets, lender credits, and pricing incentives across our wholesale network to keep your loan competitive.
- Access to multiple conventional lenders and rate structures.
- Guidance on appraisal waivers and property-specific strategies.
- Support for complex income scenarios, including RSU and bonus structures.
The Cliff Mortgages Conventional Loan Promise
PMI Strategy Guarantee
We’ll provide a clear analysis of your PMI options so you can choose the approach that aligns best with your financial goals.
On-Time Closing Commitment
We understand purchase contracts have deadlines. Our process is built for speed and reliability, and we work proactively to help ensure your conventional loan closes on time.
Best-Rate Pledge
With access to multiple conventional lenders, we’ll diligently shop for the most competitive rate and terms available for your scenario.
A Faster, Simpler Path to Closing
Our process leverages the straightforward nature of conventional loans to get you to the closing table faster.
Robust Pre-Approval
We thoroughly review credit, income, and assets upfront to issue a pre-approval, helping strengthen your offer and reduce underwriting surprises.
Appraisal & Title Kickoff
Once you’re under contract, we immediately order the appraisal and title work. For eligible properties, we’ll explore appraisal-waiver options to save time and money.
Clear to Close, Faster
Our clean file submission and proactive coordination with the lender’s underwriting team are designed to help you reach “Clear to Close” well ahead of your contract deadline.
How It Works
A Clear Path from Application to Closing
Robust Pre-Approval
We review credit, income, and assets upfront to deliver a strong pre-approval that helps your offer stand out.
Loan Strategy Design
We analyze rate, term, and PMI options to recommend a customized structure that balances payment, equity growth, and flexibility.
Streamlined Processing
Our team packages your file cleanly for underwriting, coordinates appraisal and title early, and keeps you informed at every milestone.
Clear-to-Close & Funding
We target an early clear-to-close so the final walk-through and signing day feel calm, organized, and on schedule.
Ready to Get Started?
Find out if a Conventional Loans in Colorado is right for you. Get a no-obligation quote from our experts today.
Request a Free Quote