home loan programs

​​finance your home

Take the next step towards your future with confidence by financing your home with Colorado Housing and Finance Authority (CHFA).
 
We offer a variety of 30-year fixed rate home mortgage loans through a select group of trusted
lender partners. 
 
Whether you’re buying a new home or refinancing your current home, you can count on our versatile, affordable loan programs.​

 chfa participating lenders

     
If you have a credit score of 680 or above, CHFA Advantagesm is your reward! 

 
​Whether you are purchasing or refinancing, you can get the benefit of no monthly mortgage insurance costs while only needing a 3 percent down payment or equity contribution.

 

 

 
CHFA Preferredsm has a minimum credit score requirement of 620 and offers lower monthly mortgage insurance payments than similar programs in the market. 

 
Add on CHFA’s optional Down Payment Assistance Grant (CHFA DPA Grant), to help cover the low 3 percent down payment requirement, closing costs, and/or prepaids.

 

     
Take the “smart step” to homeownership! CHFA SmartStepsm has a credit score requirement of 620 and typically offers one of our lowest interest rates.
 
You can also get a CHFA Down Payment Assistance Grant (CHFA DPA Grant) for assistance with down payment, closing costs, and/or prepaids.

 

 

If you have a credit score of 620 and want to buy a higher-priced home than our other programs allow, this is the program for you!

You can also get a CHFA Down Payment Assistance Grant (CHFA DPA Grant) for assistance with down payment, closing costs, and/or prepaids. ​

 

 
CHFA HomeAccesssm helps you buy a home if you or your child has a permanent disability. ​

 

 

CHFA SectionEightsm enables you to use Housing Assistance Payments to buy a home.

 Contact Us

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Home Finance

1.888.320.3688

Den​ver

1.800.877.2432

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Western Slope

1.800.877.8450​​​​​​​​​​​​​

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