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Home Purchase Loans

Home Purchase Loans in Denver, CO — Shop More Lenders, Get a Better Deal

As an independent broker, Todd accesses dozens of wholesale lenders to find the right rate and the right program for your situation — not the one his employer needs to sell this quarter.

Most homebuyers go to their bank first. It feels familiar, it feels safe — and it costs them. When your bank can only offer its own products, you are seeing maybe 3–5% of the available mortgage market. Todd Gehrke accesses the rest.

As an independent mortgage broker, Todd submits your application to dozens of wholesale lenders, compares their rates and terms, and brings you the best combination of rate, costs, and program fit. One application. Multiple options. A recommendation backed by 20+ years of experience.

But the rate is just the beginning. Todd also makes sure you understand how your purchase fits into your long-term financial picture — whether that is your first home, a move-up, or the foundation of a real estate portfolio.

Loan Types Available

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Conventional Loans (Fannie Mae / Freddie Mac)

Best for buyers with strong credit and 5–20% down. Lowest long-term cost for most qualified borrowers.

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FHA Loans

Lower down payment requirements (3.5%), flexible credit guidelines. Backed by the federal government.

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VA Loans

Zero down for eligible veterans and active service members. No PMI. One of the best programs available.

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USDA Loans

Zero down for eligible rural and semi-rural areas in Colorado. Income limits apply.

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Jumbo Loans

For purchase prices above conventional conforming limits in the Denver metro. Strong credit required.

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Adjustable-Rate Mortgages (ARMs)

Lower initial rates for buyers who plan to sell or refinance within 5–10 years.

Who This Is For: First-time buyers wanting guidance. Move-up buyers navigating sell-before-you-buy. Colorado relocators. Buyers with complex financial situations. Anyone who wants to understand the wealth implications of their purchase before they sign.

Frequently Asked Questions

A bank can only offer you their own loan products. As an independent broker, Todd Gehrke shops dozens of wholesale lenders on your behalf — the same lenders banks use, but at wholesale rates. You get more options, more competitive pricing, and an advisor who works for you, not the lender.

A bank can only offer you their own loan products. As an independent broker, Todd Gehrke shops dozens of wholesale lenders on your behalf — the same lenders banks use, but at wholesale rates. You get more options, more competitive pricing, and an advisor who works for you, not the lender.

It depends on the loan type. Conventional loans can be as low as 3% down. FHA requires 3.5%. VA and USDA are zero-down for eligible borrowers. Jumbo loans typically require 10–20%. The down payment also affects your rate and whether you pay PMI — all of which Todd will calculate for you.
A standard purchase closes in 20–30 days from a complete application. Todd can often move faster. He will give you an honest timeline based on your specific situation at the start.
Absolutely — and you should. A pre-approval letter strengthens your offer significantly in a competitive Denver market. Todd can typically issue a pre-approval within 24 hours of receiving your documents.
Conventional loans typically require 620+, though better rates come at 740+. FHA loans allow scores as low as 580 with 3.5% down, or as low as 500 with 10% down. Todd works with borrowers across the credit spectrum and will tell you exactly where you stand.

Get Pre-Approved

Book a free 45-minute strategy session. Todd will review your situation and tell you exactly what you qualify for — typically within 24 hours.

CONTACT TODD

(720) 608-0013

todd@yestodd.com

NMLS #248559

Get Pre-Approved Today

Book your free 45-minute strategy session. Todd will review your situation, explain your options, and give you a pre-approval you can put to work.