In Need A Mortgage Loan?

From loans meant for first-timers to Cash-Out Refinance, there are plenty of different types of mortgage loans for buyers, current homeowners and business owners to choose from. Below you will find the current loans we offer you!

30-Year Mortgage

Home Loans, LLC has access to different types of 30-year mortgages. Our team of experts will help you determine which 30-year mortgage is right for your and your financial needs. 

15-Year Mortgage

Save time and money with a 15-year mortgage designed to help you pay off your mortgage more quickly while having access to the best possible interest rates. 

3-2-1 Buydown

With a 3-2-1 Buydown, the borrower will pay additional cash upfront to reduce the interest rate over the first three years of the loan. The name 3-2-1 is based on the savings you’ll receive. The first year will be 3% lower than the permanent rate, 2% lower for the second year, and 1% lower in the third year.

Click Here For More Information! 

Adjustable Rate Mortgage

For the lowest possible monthly payments, an adjustable-rate mortgage is the way to go.

Bad Credit Loans

Do you have the money for a down payment and the income to cover the monthly payment on a mortgage but don’t have the best credit? That’s okay! Home Loans can still help you find a way to purchase a home. 

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Bank Statement Loans

Getting a mortgage when you’re self-employed used to be a huge challenge. Today, we’ve simplified the process and can get you approved for a home mortgage using bank statements. This way, you won’t have to show pay stubs or tax information to get qualified. However, there are still some hurdles you will need to jump over to be qualified, let’s look at the requirements.

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Cash-Out Refinance

Tap into your home’s equity with a cash-out refinance. You can use your equity toward a new investment, debt consolidation, home repairs or remodeling, or anything else you can think of!

Conventional 97 Loan

If you’re a first-time home buyer, saving up enough money for a downpayment can be a struggle. In fact, in recent research by Fannie Mae, it was discovered that the down payment requirement was the most significant hurdle for first-time home buyers. For many, it may seem like your only option for homeownership is a government-backed loan with higher fees than conventional loans, but that doesn’t have to be the case.

With a Conventional 97 loan, the borrower is only required to put down 3%, leaving 97% to be financed – hence the name. Typically, conventional loans require at least 5% down, and that 2% savings can be the difference between getting into a home.  

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Colorado Rental Property Loans

The Colorado real estate market is one of the hottest in the entire country. If you’re looking for a rental property, Home Loans, LLC can get you the financing you need to make it happen. 

Colorado Land Loans

Here in Colorado, we are lucky to have some of the most beautiful landscapes in the entire world. If your dream is to own some of that land and eventually build your dream home on it, we can help.

Commercial Property Mortgages

Home Loans, LLC does more than finance homes. We can also help you purchase a commercial property.  

Construction To Permanent Loans

Not able to find a home that’s a perfect fit for you and your family? Did you know there’s a loan that will allow you to build a home, start to finish? This may be a great alternative to battling with other potential homeowners in the hot Colorado real estate market.

A construction to permanent loan, sometimes called a single-close loan, is a financing option that covers the cost of the land, construction of the home, and the mortgage of the home once construction is complete. You get to work with the architect of your choice to design and build the home of your dreams. 

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Custom Home Loans

Want to build your dream home? Home Loans LLC can provide the funding to do just that. 

CHFA Loans

We have down payment assistance programs available to first-time homebuyers in Colorado. This program could help you save thousands of dollars while purchasing a home of your own. 

Deed Restricted

Some properties come with conditions related primarily to their usage, which can make financing a struggle. Home Loans, LLC has funding options for deed-restricted properties. 

Doctor Loans

Being approved for a mortgage can be difficult for those in the medical profession since doctors and dentists often have difficulty meeting the standard underwriting requirements. Even though they tend to receive high salaries, they also have higher debt-to-income ratios thanks to student loan balances and a lack of savings to use toward a down payment which disqualifies them from a conventional loan. 

If you’re a physician in Colorado, did you know that there is a mortgage loan specifically for doctors? It may be the key to getting into a home of your own. 

Click here for more information.


We use your operating income to repay all your debt obligations, including repayment of principal and interest on both short-term and long-term debt

Equitable Housing Finance

In an attempt to promote equity and increase sustainable homeownership and rental opportunities for traditionally underserved Black and Latino communities across the nation, Freddie Mac introduced the Equitable Housing Finance Plan on June 8th. This plan was created upon the request of the Federal Housing Finance Agency. 

Learn more here. 

FHA Loan

Low credit and low down payment options are available to help home-buying be more accessible. Great for first-time home buyers.

Click Here For Loan Requirements

First Time Home Buyers

Buying your first home is a huge deal, with many important decisions. You’ve probably thought about what neighborhood you’d prefer, how many bedrooms you need, and so forth. But, have you thought about which type of financing would be best for you?

Click here to learn the different types of financing that could work for you! 

Foreign National Loan

If you are not a resident of the United States but are hoping to purchase a vacation home in the beautiful state of Colorado, we have you covered. With the proper documentation, we can help you reach your real estate goals through the use of a Foreign National Loan Program.

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Interest-Only Loan

Are you looking for a way to keep your mortgage costs down? You may want to consider an interest-only mortgage. 

With an interest-only mortgage, you only pay the interest for a set period of time, allowing you to save money for a short-term period.

For more information click here. 

Jumbo Loans

A jumbo loan is a loan for a larger than the conforming loan limit. These homes are high-end homes that can be used for vacation properties, investments, or your primary residence.

Click here for more information. 

Luxury Home Financing

Colorado has some of the most beautiful landscapes in the country, with some of the most incredible homes. Many of these homes are considered luxury homes, that is, a home that is above the average price point, possibly custom-built, and contains high-end finishes. These homes may be in a luxury development or sit alone on a large piece of land.

Click here for more information.

Multi-Property Deals

 Building a real estate portfolio? A multi-property loan is something available to you at Home Loans, LLC. 

No W-2 Loans

Freelance and contract work have grown in popularity in recent years. While it is a great way to create a more flexible schedule that allows more time for family and friends, it does complicate the process of getting a home loan.

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No Tax Return Loans

Not having a tax return does not mean you can’t become a homeowner. You have options! Let’s look at how you can purchase or refinance a home without a tax return.

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Residential Real Estate Investing

Interested in picking up an investment property or two in Colorado? Our team of experts can help you find a residential home loan that suits your investment goals.

Remodel Loans

Is your home in need of an update? Whether you’re hoping to update a room for cosmetic purposes, or your home is in need of expensive repairs, the cost can be more than you have laying around. If that’s the case, you’ll be happy to know that you can get a remodel loan to cover the expenses.

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Reverse Mortgage Loan

If you’re aged 62 or above, you may qualify for a reverse mortgage in Colorado. A reverse mortgage is an excellent option for seniors whose primary asset is their home. There are a lot of misconceptions about what a reverse mortgage is, so let’s look at what a reverse mortgage is and how it can help keep you comfortable through your retirement years

USDA Loans

When you think of Colorado, you think of wide open, rural spaces. If you’re hoping to purchase a home away from it all, a USDA loan is something you should consider.

Click Here For Loan Requirements

Vacation Home Financing

Interest rates on vacation homes tend to be about 0.5% to 0.875% higher than rates for a primary residence.  

If you’d like more information about getting financing for a vacation home, we are here to help you. Contact us so we can answer any questions you may have.

For More Information Click Here.

VA Home Loans

Home Loans, LLC is proud to VA loans to qualified military members and their families. This zero-down mortgage is a great way to get into a home of your own. 

Click Here For Loan Requirements

Your Term, Your Mortgage

Pick your loan term based on your budget and when you want to pay off your mortgage.

Smooth Transaction

Jeannette & Kristine are the greatest! What my family and I thought would be a difficult Trust sale, Jeannette and Kristine breezed through without complications or concerns. Extremely experienced, competent and reachable. If you are looking to sell or buy, you have found the right agent!

- The Garrett's 

Valuable Knowledge

The team at Home Loans left no stone unturned. They went the extra mile during every step of the loan process and found solutions to hurdles. I'd say my favorite part (and most valuable for our time) was how available the team members are. Thank you so much, and we are so happy in our new home.

- A Happy Client

Excellent Marketing Plan

We have had 26 real estate transactions in multiple states over the years and by far Jeannette provided the best marketing plan and representation of our interests that we have ever had. I would highly recommend Jeannette and her team! nced settings.

- Chuck & Cheryl Mattka

Knows The Area Well

I highly recommend Jeannette to anyone that wants to buy a property in Summit County. She knows the area well, was very responsive to our questions and needs. Jeannette is a true professional that makes the second home buying process much easier and more efficient.


Very Patient

Very patient! Gets the job done! I would highly recommend Jeannette Gongloff for my ,or anyone else who wants to buy or sell a home...You need anything done, or have questions she will return as soon as possible with an answer. Very masterful, immediate, responsive. Jeannette knows the area without hesitation.

- Chip M.

Extensive Knowledge

We were most impressed with her extensive knowledge of the area, down to specific condo developments that matched our needs and interests. Jeannette also was exceptional in her ability to help us develop and articulate precisely what was important to us in a condo, even when we weren't completely sure what we were looking for.

- Einkauf

Works Hard For You

Jeannette is a professional! She works hard to give you the best representation possible. My experience was on the sell side. She kept me informed as best as possible and was an honest agent to work with!

- Anonymous

Patience, Knowledgable, And Cares

Jeannette helped us find and purchase our lovely log home in Frisco. She is the ultimate professional, yet fun and easy to work with! She possess patience, knowledge and a wonderful caring spirit about your wants and desires for your new home. We highly recommend Jeannette!!

- Annette H.

Very Efficient

Jeannette was very efficient. She advised us about quickly getting our property on market, had a showing to realtors within a week or two, and our condo sold in about 6 weeks. We received full price - cash.

- Karen K.

Jeannette Is The Ultimate Professional

I have known and worked with Jeannette in two separate markets over the past twenty years. During that time she has shown excellent knowledge of the real estate market. Combine that with her dedication to bring all transactions to a successful conclusions makes her one of the best I have ever worked with. Most recently, Jeanette represented us in our search for a building lot in Summit County Colorado. After several months of searching she lead us to the perfect spot to build our retirement home.

- Valley builders

Jeannette Was Great Throughout The Whole Process.

Jeannette was great throughout the whole process. We found a house to make an offer on really fast but she definitely helped in the negotiations and followup. I continue to work with her and enjoy it.

- Scott M.

Always Accessible

Jeannette is a true professional with incredible knowledge under her charm and spunk. She is always accessible and will get back to you in a matter of minutes while making you feel you are her only client. She will seek out properties that meet your criteria and do everything necessary to close the sale smoothly. She even uses her own personal funds to arrange for workmen, cleaning crews and anything else needed. Working with Jeannette was a true delight and I am beyond thrilled with my new home.

- Anonymous

Seamless Operator

Jeannette's handling of our real estate property was a seamless operation. From the moment I called her, she returned my call within 1 hour, met with me within a day and was on top of the transactions immediately! She always kept me informed each step of the way.

- Anonymous


We found Jeannette to be a very helpful and knowledgeable agent. She is personable, easy to talk with, a good listener and quick to hone in on likes/dislikes of her clients. She gave us her undivided attention, was always available, and made frequent return contact with us. After having made a purchasing decision, Jeannette was a source of contacts making the move/transition to a new community very easy. We highly recommend this agent as she is a go-getter for her clients.

- Anonymous

Long Term Goals

Jeannette was referred to me by a Copper Mountain OHG ski club member who also purchased a great house from her. She worked with me over two years as my preferences and financial objectives constantly readjusted. She kept in mind what my personal quirks were and I eventually nested overlooking lake Dillon. She put her motivation to sell way after my need for a great place that I would be happy living in.


Went Above And Beyond

I feel lucky to have found Jeanette. She was great in helping us take care of all the details of a purchase like inspections, repair bids, and HOA research. She really went above and beyond and this was so helpful since we were out of town. She was great through the whole process and then topped it off with a thoughtful and very useful housewarming gift that was so unexpected.

- Fillmore

Has All The Answers

Jeanette was extremely polite and very easy to work with. She provided all the answers to my questions and was very sincere with her advice. She was never pushing anything that was not asked of her. I would recommend her to others and would hope to see her continue to excel.

-  Anonymous

Wonderful To Work With

Jeannette was wonderful to work with from both the buying and selling ends of the spectrum. She was always responsive to all our concerns and questions and was able to move quickly and diligently to proceed with the transaction. Attention to detail is her specialty.

- Anonymous

Took Care Of Everything!

Jeannette sold our Frisco Condo taking care of everything. Cleanup, handyman, negotiations with the H.O.A. with no intrusions on our life. Always cheerful but factual regarding the possibility of buyer's remorse, unusual buyer requests and worked our way through the process and closed with an offer over asking.

- Blaise B.

Highly Likely To Recommend!

I am honestly blown away by the expertise, professionalism, positivity, and just plain hard work that Jeannette Gongloff and the Gongloff Group brought to the sale of our Summit County property. There were many complexities in the process of the sale--including the fact that I live out-of-state, and that the property needed some TLC. Jeannette was proactive in anticipating every wrinkle. There were no surprises, the property sold quickly at the price we wanted, and the closing was flawless. Meanwhile, in spite of the fact that she manages many, many listings, I felt as if I was her most important client. I don't often provide reviews, much less 5-star glowing reviews, but the process was flawless. Jeannette is seriously the professional you want to sell your property.


From Marketing To Listing To Closing...

All was handled in a very efficient and timely manner!

Best home selling experience ever! Jeannette and her Team were very professional and responsive to our every need during the listing, selling and closing process.

-A Happy Seller

Jeannette Was Superb And So Wonderful To Work With.

She asks the right questions and delivers the best results. She knows exactly how to execute with speed and precision. We had her look at our house one week before she had it ready to list! She detailed her marketing plan and followed through on every line item. Jeannette went above and beyond what we ever hoped for. We closed on our house a little over one month later! And it honestly was so incredibly smooth from start to finish.


Kept The Process On Time

She kept the process on time. When we asked her opinion on the competition and prices in our selling area; she was sympathetic, but direct and pulled no punches. I would recommend her. She is energetic and honest.

-  Anonymous

Expert In Real Estate

Jeannette is an expert in mountain properties. She showed us many properties on several different occasions. She was responsive to our changing needs. She is professional, always available and always with a friendly attitude. We found the perfect mountain home that was just made for us. Loved having her as a realtor!!

- Karen P.

Consistent Communication

Jeannette did a great job finding us our home in Summit County!

What I really like is the helpful information that she sends out to keep me informed of the current market.

-  Anonymous