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.

WHY FORGE

More Than a Mortgage — A Strategy

Most lenders close loans. Forge teaches you how to use your loan as a wealth-building tool. We help you understand:

Max DPA Available
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Families Served
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Average Response Time
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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

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COMMON QUESTIONS

Mortgage & DPA FAQs

What is the difference between a mortgage and down payment assistance?

A mortgage is the loan that pays for your home. Down payment assistance (DPA) is a separate grant or second loan that covers your down payment — often combined with your mortgage. Forge helps you use both.

Up to $25,000 through programs like CHFA, metroDPA, and CHAC — depending on your county, income, and household size.

Minimum 620 FICO. Higher scores unlock better rates and more DPA program options.

DPA programs have income limits that vary by county and household size. Our Zero Down program has no income limits.

Pre-qualification: 24 hours. Full approval: 2-3 weeks. Closing: typically 30-45 days from contract.

Not always. Some programs (like metroDPA) accept repeat buyers if you haven't owned in the past 3 years. We'll match you to programs you qualify for.

DPA programs work with most Colorado primary residences. Investment properties and second homes are not eligible.

Schedule a free 30-minute Discovery Call. We'll review your situation and map out your best path — no obligation.