Talk it through
An email or a DM. We learn your goals, timeline and budget, and tell you plainly what's possible.
Your home loan, pointed true north. We're a family-run mortgage brokerage in Denver. We shop lenders for you, and our agents help you buy, sell or invest across Colorado.
NORTH POINT.
A bank offers you its own loans. A broker shops the market for you. We compare lenders so you don't have to, then stay with you from pre-approval to keys.
One family, every step: from your first loan to your next home
ConventionalFHAVAUSDAJumboNon-QMDown payment helpReal Estate
Start to finish.Literally.
Five steps, one team. Your loan officer and your agent sit in the same office, so nothing gets lost between pre-approval and closing day.
Get pre-approved
We review income, credit and assets, then hand you a pre-approval letter you can shop with confidently.
We shop lenders
Instead of one bank's menu, we compare rates and programs across lenders to find the loan that fits you.
Find the home
Need an agent? Our real estate team helps you buy, sell or invest, with your financing already in lockstep.
Close & get keys
We coordinate appraisal, underwriting and title so the finish line stays clear, and we're still here after.
How we helpLoans first. Homes, too.
Whether it's your first mountain home in the foothills or a city loft, we match you with the right program.
Loans that follow Fannie Mae and Freddie Mac guidelines. Flexible terms for buyers with solid credit, and as little as 3% down for some first-time buyers.
Great for: W-2 earners, move-up buyers, second-home buyers.
Fixed-rate (30, 20, 15-year)The same principal and interest payment for the life of the loan.
Adjustable-rate (ARM)A lower fixed rate for 5, 7 or 10 years, then adjusts with the market.
HomeReady & Home Possible3% down options with reduced mortgage insurance for eligible income levels.
Second homesFor the cabin in the mountains or a place closer to the slopes.
Insured or guaranteed by federal agencies, these loans open the door with lower down payments and more forgiving credit guidelines.
Great for: first-time buyers, veterans and service members, buyers outside the metro.
FHAAs little as 3.5% down with flexible credit requirements.
VAFor eligible veterans and service members: often 0% down and no monthly mortgage insurance.
USDA0% down for eligible buyers in qualifying rural areas, including many Colorado mountain and plains towns.
FHA & VA for condosFinancing for approved condo projects across the Front Range.
For loan amounts above the 2026 conforming limit of $832,750, common in Colorado's higher-priced neighborhoods and mountain markets.
Great for: luxury homes, larger families, high-cost areas like Boulder and the mountain resort towns.
Fixed-rate jumboLong-term payment stability on a larger loan.
Jumbo ARMA lower starting rate for buyers who may sell or refinance within several years.
Interest-only jumboLower payments during an initial interest-only period.
Low-down jumboOptions with 10% down or less for qualified borrowers.
What is a non-QM loan? A non-qualified mortgage is a home loan that falls outside the standard rules used by Fannie Mae, Freddie Mac and government programs. Lenders still confirm you can repay, but they look at your income differently, using bank deposits, rental income or assets instead of tax returns and W-2s.
Rates and down payments are usually a bit higher than conventional loans. For the right borrower, non-QM is what makes buying possible.
Great for: self-employed borrowers and business owners, real estate investors, 1099 and gig workers, retirees with savings, foreign nationals, and buyers rebuilding after a credit event.
Bank statement loansQualify with 12 or 24 months of personal or business bank statements instead of tax returns.
DSCR loansInvestment property loans based on the property's rental income, not your personal income.
P&L-only loansQualify with a profit-and-loss statement, often prepared by a CPA.
1099 loansFor contractors and gig workers paid on 1099s.
Asset depletionTurn significant savings or investments into qualifying income.
ITIN loansFor borrowers with an Individual Taxpayer Identification Number instead of a Social Security number.
Foreign nationalFor non-U.S. residents buying property in Colorado.
Recent credit eventOptions after a bankruptcy, foreclosure or short sale, often with shorter waiting periods.
Interest-onlyLower payments that cover only interest for a set period.
Non-warrantable condosFinancing for condos that don't meet agency rules, common in resort towns.
Saving for a down payment is the biggest hurdle for most buyers. Colorado has programs that help, and many pair with FHA, VA, USDA or conventional loans.
Great for: first-time and first-generation buyers, teachers and public servants, moderate-income households.
CHFA down payment assistanceColorado Housing and Finance Authority grants or 0% second mortgages, up to $25,000 depending on the option.
CHFA FirstGenerationDeferred assistance for buyers whose parents or guardians never owned a home.
MetroDPADenver-area help as a 0% deferred second mortgage, forgiven over time.
City & county programsAdditional local assistance in communities like Boulder and beyond.
Lower your rate, change your term or put your equity to work. We'll tell you honestly whether it's worth it.
Great for: homeowners who want a lower payment, cash for a project, or to consolidate debt.
Rate-and-term refinanceA new rate, a new term, or both.
Cash-out refinanceTurn equity into cash for renovations, debt payoff or investing.
FHA Streamline & VA IRRRLSimplified refinances for existing FHA and VA loans.
HELOCA revolving line of credit against your home's equity.
Home equity loanA fixed-rate lump sum as a second mortgage.
Reverse mortgage (HECM)For homeowners 62+: tap equity with no monthly mortgage payment. Taxes, insurance and upkeep still apply.
Building in the foothills, fixing up a fixer, or growing a rental portfolio. There's a loan built for it.
Great for: custom builds, renovators, investors and short-term rental owners.
Construction-to-permanentOne loan to build, then convert to a regular mortgage.
Lot & land loansBuy the land now, build when you're ready.
FHA 203(k)Buy and renovate with a single FHA loan.
Fannie Mae HomeStyleConventional financing that rolls in renovation costs.
Investment propertyConventional financing for 1–4 unit rentals.
Fix-and-flip & bridgeShort-term financing for investors and buyers between homes.
Buy, sell or invest with agents who know the Colorado market and work hand in hand with your loan officer, so your offer, financing and closing date move together.
BuyingFrom the search to the offer to the keys.
SellingPricing, marketing and negotiation for your home.
InvestingRentals and investment properties, financed by the same team.
Home valuationFind out what your home is worth today.
Program availability, terms and limits vary by lender and borrower eligibility and can change. We'll confirm what you qualify for.
Run the numbers.Then run them by us.
$3,129/ month, principal & interest
- Loan amount
- $495,000
- Total interest
- $631,000
- Paid off
- 2056
Remaining balanceInterest paid to date
Client storiesReferrals are our best compliment.
My wife and I were first time home buyers, during the beginning and hardest part of Covid-19, and Joel and Josiah did absolutely everything in their control to make the process as smooth as it could possibly be.
NPFI is truly a company for the community. They all show integrity and care for their customers; as they invest so much time and effort to make every single deal fair and beneficial to both parties.
Josiah answered “ALL” questions we had almost immediately no matter when or what time.
My husband and I just purchased our forever home. Joel and Josiah were amazing throughout the entire process! It’s very stressful purchasing a home during the holidays.
Their hustle and hard work is unmatched. These people will be on your side to give you the best loans deals.
Your review helps other Colorado families find us. It takes about a minute on Google.
Real EstateBuying, selling or investing.
Our agents work hand in hand with our loan team, so your offer, your financing and your closing date all move together.
Frequentlyasked questions
A bank lends its own money and offers its own products. As brokers, we compare programs from multiple lenders and bring you the one that fits your situation.
It depends on the program. FHA starts at 3.5% down, some conventional loans start at 3%, and VA and USDA can mean 0% down for eligible buyers. Colorado programs like CHFA and MetroDPA can help cover the rest.
Often, yes. Non-QM options like bank statement, P&L-only and 1099 loans qualify you on how your business actually earns, not just what's on your tax return.
Email us or send a DM on our socials. We'll tell you exactly which documents we need (usually income, assets and ID) and walk you through it from there.
Maybe. It depends on your current rate, how long you plan to stay and your closing costs. We'll run the numbers and tell you honestly if it makes sense.
Let's findyour way home.
Email to connect or reach out by our socials. Tell us what you're thinking about, whether that's buying, refinancing or selling, and a real person from our team will get back to you.
Email us
info@npficolorado.com