Business Details
Your Trusted Colorado Mortgage Partner
At Trust Home Loans, we specialize in providing tailored mortgage solutions to meet the diverse needs of Colorado homebuyers and refinancers. With over a decade of experience in the industry, our team of licensed professionals is committed to delivering competitive interest rates, transparent processes, and personalized service. We offer a comprehensive range of loan programs, including Conventional, FHA, VA, USDA, and specialized options for self-employed borrowers, ensuring accessibility for clients with varying credit profiles.Our advanced underwriting technology enables rapid pre-approvals and streamlined document signing, while our local expertise guarantees a deep understanding of Colorado's unique housing market. Backed by positive client testimonials and a track record of closing loans within 30 days, we prioritize customer satisfaction through clear communication, no hidden fees, and a dedication to exceeding expectations at every stage of the lending process.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Refinance Options
Debt Consolidation
Cash-Out Refinance
HECM Reverse Mortgage
Jumbo Loans
Purchase Loans
Highlights and features
- We offer competitive mortgage rates and no application fees.
- Our team closes loans in 30 days or less.
- We specialize in programs for self-employed borrowers.
- We provide 24-hour pre-approvals using automated underwriting.
- Our local expertise serves Colorado's diverse communities.
What people say
Exceptional service
Best in the business
Easiest loan process
Competitive rates
Timely closings
Services
Conventional Loans
Conventional loans provide flexible financing options for home purchases or refinancing with competitive interest rates. These loans require as little as 3% down payment and cater to borrowers with credit scores starting at 620. Ideal for those seeking no or low closing cost options while maintaining financial flexibility.
FHA Loans
FHA loans offer accessible homeownership opportunities with 3.5% down payments and credit score requirements as low as 580. These mortgages include cash-out refinance options up to 80% loan-to-value ratios, making them ideal for first-time buyers or those rebuilding credit in Colorado's housing market.
VA Loans
VA loans provide zero-down financing for qualified active-duty personnel, veterans, and surviving spouses. These 100% financing options feature competitive rates and cash-out refinance capabilities up to 100% of home value, supporting military families' homeownership goals across Colorado.
USDA Loans
USDA loans enable zero-down home purchases in designated rural areas with competitive rates and low mortgage insurance. Designed for eligible borrowers seeking affordable financing in Colorado's rural communities, these loans offer 100% financing with income eligibility requirements.
Refinance Options
Our refinance programs include conventional, FHA, VA, and cash-out options to reduce monthly payments or access home equity. With no application fees and potential for no closing costs, we help Colorado homeowners optimize their mortgage terms regardless of credit profile.
People
Igor Drake
Mortgage Broker
Igor Drake is a licensed mortgage broker with Trust Home Loans, known for exceptional client service and expertise in Colorado mortgage programs. With a focus on personalized guidance, he helps clients navigate complex loan options while maintaining a 30-day closing commitment.
Questions
What mortgage programs do you offer?
We offer Conventional, FHA, VA, USDA, HECM reverse mortgages, jumbo loans, and refinance options including cash-out and debt consolidation programs for Colorado residents.
Can I qualify with a low credit score?
Yes, we work with credit scores as low as 560 for refinance and 580 for purchase loans, offering flexible options for FHA, VA, and conventional programs.
How quickly can you close a loan?
Our automated underwriting system enables 24-hour pre-approvals and consistent 30-day closings for all qualified mortgage applications in Colorado.
Do you offer loans for self-employed borrowers?
Yes, we provide bank statement programs for self-employed borrowers without requiring tax returns or 1099 forms for qualification.
Are there any application fees?
No, we never charge upfront application fees for any mortgage programs, including refinance and purchase loans.
What areas do you serve?
We originate mortgages exclusively in Colorado, serving urban and rural communities including Denver, Colorado Springs, Durango, and Steamboat Springs.
