Lending Services
Colorado Mortgage & Down Payment Assistance
Get up to $25,000 in down payment assistance through CHFA, metroDPA, and more. Zero Down mortgages, expert guidance, and tailored loan programs all under one roof.
What We Offer
Three Paths to Colorado Homeownership
Whether you need zero down financing, a specific loan program, or down payment assistance – we have a path tailored to your situation.
Zero Down
Buy a Colorado home with no down payment. Our Zero Down program combines first and second mortgages to cover your full home purchase.
Loan Programs
FHA, VA, USDA, Conventional, and DSCR loans – tailored to your unique situation as a Colorado buyer or investor.
Down Payment Assistance
Access up to $25,000 through CHFA, metroDPA, and Colorado-specific assistance programs – grants, second loans, and more.
Our Process
How Forge Lending Works
01
Discovery Call
Free 30-minute consultation.
02
Pre-Qualification
We assess your credit and income profile.
03
Loan Approval
We handle paperwork and lock your best rates.
04
Close & Move In
Get your keys and start building equity.
Introducing: Colorado Mortgage Workshops
Join us for our Colorado Mortgage Workshops, where you can learn more about
getting a zero down mortgage!
Educating You Towards a Brighter Future
At Forge Home Consulting, we help clients build generational wealth by transforming
homeownership into a tool for financial freedom. Through innovative solutions like our Zero
Down process and downpayment assistance programs, we remove traditional barriers,
educate clients on leveraging real estate, and empower them to forge long-term security and
success.
100+ Five-Star Reviews
Real homeowners. Real results. Hear from the people who’ve turned the key with us –
first-time buyers, growing families, and seasoned movers who found more than a mortgage.
Find Your Home, Craft Your Purpose
Discover the steps to homeownership with Forge Home Consulting. From
personalized advice to closing the deal, we guide you every step of the way toward your
dream home.
Discovery Call
Discovery Call
Learn Your Options
Give us a call to take the stress out of the home-buying process and explore your opportunities.
Understand your options for owning a home
Review your financial qualifications
Gain assurance about the entire process, tailored to your needs
Make a Decision
Make a Decision
Apply for a Mortgage
Let us help you take the next step toward your dream home.
Get prequalified to determine your borrowing potential
Submit your application and receive approval
Shop for Homes
Shop for Homes
Find Your Perfect Fit
Start the exciting journey of selecting your future home.
Partner with a trusted realtor in our Colorado network who can guide you to close
Explore properties and choose the one that meets your goals
Get Under Contract
Get Under Contract
Secure Your Property
Work with us to finalize your agreement with confidence.
Review the contract together to ensure clarity and understanding
Secure your property by signing the agreement
Close the Deal
Close the Deal
Welcome Home
Finalize the purchase and prepare for a bright future in your new home.
Agree to the terms and conditions, and we’ll handle the rest
Enjoy the satisfaction of turning your dream into reality
FREE CONSULTATION
Get Pre-Qualified for Colorado DPA in 24 Hours
Ready To Become A Homeowner?
See If You Qualify Today
Minimum 620 Credit Score. No Income Limit
$25K
Max DPA’
24hrs
Response Time
500+
Families Served
Zero Down Mortgage
Q1: What is a Zero Down Mortgage?
A: A Zero Down Mortgage allows you to buy a home without making a down payment, helping you secure a property with little upfront cost.
Q2: Who qualifies for a Colorado Zero Down Home Loan?
A: Buyers with a minimum 620 mortgage FICO score, stable income, and a reasonable debt -to-income ratio can typicall
Q3: How is Zero Down different from Down Payment Assistance?
A: Down Payment Assistance provides grants or loans to cover a portion of the down payment, while Zero Down eliminates the need for a down payment entirely.
Q4: Do I need perfect credit to qualify?
A: No, but you'll need at least a 620 FICO score and a steady work history to meet lender requirements.
Q5: Are there any income restrictions for the Zero Down Mortgage?
A: No, unlike many assistance programs, there are no income restrictions, but your debt-to- income ratio will impact how much you qualify for.
Q6: Can I still use seller concessions with a Zero Down Mortgage?
A: Yes! In many cases, seller contributions can help cover closing costs, making the home purchase even more affordable
Q7: What are the closing costs with a Zero Down Mortgage?
A: Closing costs typically range from 2% to 5% of the home price, but Forge Home Consulting helps cover up to 1.5% of these costs.
Q8: Can I use a Zero Down Mortgage for an investment property?
A: No, this program is designed for primary residences, meaning you must live in the home.
Q9: Will I have a higher mortgage payment without a down payment?
A: Your monthly mortgage will include principal, interest, taxes, and insurance, but our team works to ensure affordability.
Q10: How can I get started with the Colorado Zero Down Home Loan?
A: Simply consult with Forge Home Consulting, and we'll guide you through the qualification process and help you find the right mortgage.
Where We Help You Find Home
Forge Home Consulting proudly serves communities across Colorado, helping
aspiring homeowners turn dreams into reality with tailored guidance and Zero Down
solutions.
The Forge Commitment
At Forge Home Consulting, we empower aspiring homeowners with consultation and education, and do it with integrity, honesty, and honor. Our mission is to help you forge financial freedom through homeownership.