CHFA in Colorado Springs
Clayhouse Mortgage is an independent, family-run broker in Colorado Springs that offers CHFA's programs, the Colorado Housing and Finance Authority's statewide down payment assistance and homebuyer education, to buyers across El Paso County and the Pikes Peak region. CHFA does not lend to you directly; it works through participating lenders, and we are the local team that takes you through it from the first question to closing.
What it means
The down payment assistance, the education path, the program names you have read about. We offer those programs as a broker working with CHFA-participating lenders, so nothing about the CHFA side is watered down.
Because we are independent, we are not tied to one bank's pricing. We help match your situation to a CHFA-participating lender and to the first mortgage type the program pairs with, FHA, VA, USDA, or conventional.
You are working with Logan and Michelle Bowles here in Colorado Springs, not a call center three states away. We handle the homebuyer education step, the paperwork, and the closing alongside you.
New to how CHFA is structured? Start with our plain-English guide to CHFA loans in Colorado, then come back here when you are ready to talk to a local lender.
Where we serve
Getting started
Tell us your rough income, where you want to buy, and how much you have saved. We will tell you honestly whether CHFA, a straightforward low-down loan, or another path is your best move. No application needed to ask.
If CHFA is the right fit, we point you to an approved homebuyer education course. It is a requirement of the program and genuinely useful, especially for first-time buyers.
We submit through a CHFA-participating lender, line up any down payment assistance, and stay with you through underwriting and closing. One local team, the whole way.
Common questions
We are an independent mortgage broker in Colorado Springs that offers CHFA's programs through CHFA-participating lenders. CHFA does not lend directly at a branch; it works through lenders, and we help eligible Colorado buyers access its programs from homebuyer education through closing. We are not CHFA or a government agency.
Yes. CHFA programs are available statewide, including Colorado Springs, El Paso County, and the wider Pikes Peak region, as long as you meet the income, purchase price, credit, and homebuyer education requirements for the program.
Most CHFA programs can be paired with assistance toward your down payment and closing costs, offered as a grant or a second mortgage depending on the program. See our down payment assistance page for how that part works.
Yes. CHFA requires completing an approved homebuyer education course, and there is typically a small minimum borrower contribution. We point you to an approved course and handle the rest of the process with you.
Talk to us. We compare your household income against county limits, look at the purchase price limits, credit, and education requirements, and tell you honestly whether a CHFA program or a simpler low-down loan is the better path for you.
Keep exploring
The plain-English guide to how CHFA programs are put together in Colorado.
Learn moreHow CHFA and other programs help cover the upfront cost in Colorado.
Learn moreThe programs and paths built for buying your first home in Colorado Springs.
Learn moreThis page is general education, not a commitment to lend, financial advice, or a guarantee of program eligibility, assistance amount, rate, or term. CHFA program rules, income limits, and assistance are set by the Colorado Housing and Finance Authority and change over time; confirm current details at chfainfo.com. All loans subject to credit approval; not all applicants will qualify.
Get started
Tell us where you are and we will help you figure out which programs are open to you, with no pressure and no application required to ask.
