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Loan Programs

The Group understands that a home loan is different for everyone and helps you to find the right fit.

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Lenders look at three things when you apply for a mortgage: 

  1. Your debt-to-income ratio
  2. Your down payment
  3. Your credit score

Getting pre-qualified by your lender is an important first step in starting to look for a home because a seller will look more favorably at an offer knowing you are financially able to purchase.

There are many financial programs, including down payment assistance, for first time home buyers to take advantage of. Our loan officers can find the right loan product for you. When you've found a loan program that fits your needs, The Group Mortgage can help you get a loan.

Larimer Home Ownership Program

The Larimer Home Ownership Program is administered by the Housing Authority of the City of Loveland and offers down payment and closing cost assistance to low and moderate income families purchasing their first home.


City of Fort Collins Home Buyers Assistance (HBA)

The City of Fort Collins Home Buyers Assistance is for households financially ready to buy a home but lack the required cash to cover down payment and closing costs.

The City of Fort Collins will provide a loan to eligible households to cover down payment and closing costs up to a maximum of 6% of the sales price (5% for down payment and 1% for closing costs if there are no Seller concessions). The assistance is in the form of a loan which is paid back when the house is either sold, transferred out of the buyer's name, rented, or if the buyer seeks another second lien (like a home equity loan) on the property. Added to the payment (which is also due at sale, rental or transfer) is 5% interest on the principal.


Colorado Housing and Finance Authority (CHFA)

The Colorado Housing and Finance Authority (CHFA) can help you every step of the way, from understanding the basics of affordable housing to finding a CHFA program or product that works for you.

  • CHFA offers down payment and closing cost assistance.
  • CHFA is the leader in affordable housing.
  • CHFA owns and rents affordable rental units.
  • CHFA offers programs to both first time and non first time homebuyers.