Business Details
29 Years
experience
Nationwide Mortgage Solutions in Denver
Since 1997, Downs Financial has established itself as a trusted nationwide mortgage company dedicated to helping homebuyers and homeowners access tailored financing solutions. Our team of seasoned mortgage experts brings decades of collective experience to the table, ensuring clients receive personalized guidance throughout the lending process. With an A+ rating from the Better Business Bureau and a reputation for industry-leading speed, we deliver same-day pre-approvals and expedited underwriting that outpaces traditional banks. Our direct lending model features in-house processing and closing capabilities, supported by a robust network of local appraisers and title companies to maintain regional market expertise.We specialize in navigating complex loan scenarios, offering competitive fixed-rate mortgages, FHA and VA loan programs, jumbo loans up to $3 million, and reverse mortgage solutions for senior homeowners. Committed to transparency and client education, we provide no-cost loan estimates and maintain open communication channels to address borrower questions at every stage. Our technology-driven approach combines automated underwriting systems with human expertise to deliver accurate, efficient mortgage decisions without compromising personalized service.
Services
Conventional Mortgage
Mortgage Refinancing
FHA Loans
VA Home Loan
Reverse Mortgages
Jumbo Loans
Home Equity Financing
Cash-Out Refinance
Fixed Rate Mortgages
Home Improvement Loans
Details
- Year established: 1997
Highlights and features
- We've specialized in mortgage lending since 1997 with nationwide reach
- Our A+ Better Business Bureau rating demonstrates proven trustworthiness
- Industry-fastest underwriting and closing process outpaces traditional banks
- Same-day pre-approvals available for time-sensitive real estate opportunities
- Experienced loan officers provide personalized guidance for complex scenarios
Services
Conventional Mortgage
Conventional mortgages follow Fannie Mae and Freddie Mac guidelines with fixed or adjustable rates. These loans require 3-5% down for primary residences and utilize automated underwriting systems. We offer terms from 10 to 30 years with competitive rates for borrowers with average to excellent credit.
FHA Loans
FHA-insured mortgages enable low-down-payment purchases with 3.5% minimum requirements. Designed for first-time buyers and those with credit challenges, these loans allow gift funds for down payments and feature lenient qualification standards. We specialize in FHA refinancing options as well.
VA Home Loan
We provide 100% financing options for eligible veterans through VA loan programs. These mortgages feature competitive rates, no private mortgage insurance requirements, and flexible credit standards. Our specialists guide military members through the entire VA loan process.
Reverse Mortgages
HECM reverse mortgages help seniors aged 62+ convert home equity into tax-free funds. These loans eliminate monthly payments while allowing homeowners to remain in their residences. We offer counseling to ensure clients understand all program requirements and implications.
Jumbo Loans
Our jumbo loan program finances properties exceeding conforming loan limits up to $3 million. Available for primary residences, these loans feature competitive fixed and adjustable rates with tailored underwriting for high-value properties and unique financial situations.
Questions
What mortgage options do you offer?
We offer conventional, FHA, VA, jumbo, reverse mortgages, and various refinancing options including cash-out and rate-temperature refinances.
How quickly can you process a mortgage?
Our streamlined underwriting process delivers approvals in 24 hours with same-day pre-approvals available for qualified borrowers.
Do you offer government-backed loans?
Yes, we specialize in FHA loans with low down payments and VA loans for military members with 100% financing options.
Can I apply online?
Start with our easy online application or call directly for personalized assistance with our loan officers.
Are you a direct lender?
Yes, we're a direct mortgage lender with in-house underwriting, processing, and closing for faster decisions.
What credit score do you require?
Minimum 580 for FHA loans; conventional loans consider average to excellent credit profiles with flexible guidelines.
