Loan Options
Because Clayhouse is independent, we’re not selling one product line. Browse the range below, then we narrow it to the two or three that actually fit your situation.
For your home
The core purchase programs. Which one fits depends on your credit, your down payment, the property, and your plans for it, exactly the kind of thing a broker sorts out with you.
The standard path for steady income and solid credit, predictable payments for the life of the loan.
Government-insured flexibility, with lower credit thresholds and down-payment requirements than conventional.
A hard-earned benefit for veterans, active-duty service members, and eligible spouses. Often zero down, no monthly mortgage insurance.
Zero-down financing for eligible rural addresses, which includes many Front Range outskirts.
Financing above conforming loan limits, for higher-priced Colorado homes.
Programs and pairings built specifically for getting through the door the first time.
Refinance & equity
Already own? These reshape your financing or unlock the equity you’ve built.
Reshape your existing loan, adjust the term, the rate structure, or both, without pulling cash out.
Convert built-up equity into funds for a renovation, consolidation, or a larger goal.
A revolving line of credit against your equity that you draw on as you need it.
For investors
Investor lending runs on different rules. Independence matters most here, these programs live outside what a single retail bank typically offers.
Qualify on the property’s cash flow rather than personal income documentation.
Short-term capital to acquire and rehab, structured around the timeline of the project.
Buy the next property before the current one sells, then pay it down on closing.
For self-employed borrowers, qualify on bank deposits instead of tax returns alone.
Finance the build in stages, then convert to permanent financing when it’s done.
That’s the entire point of working with a broker. Tell us where you are and where you’re headed, the right program is a conversation, not a quiz.
Get started
No application needed to start. We’ll point you to the programs worth a closer look, and the ones that aren’t.
