CHFA SmartStep Plus
Down payment assistance grant up to the lesser of $25,000 or 3% of the first mortgage amount — OR a second-mortgage option for borrowers who need more.
A firefighter-owned mortgage brokerage in Boca Raton, serving Colorado healthcare workers across every metro in the state. $0 lender fees for first responders. The income-structuring expertise national lenders skip on healthcare worker files.
Colorado doesn't run a hero-specific DPA, but CHFA SmartStep Plus offers up to $25,000 grant assistance for eligible buyers. For healthcare workers buying in Denver or the Springs, that grant layered with VA or FHA often closes the gap on rising Front Range prices.
This page is for Colorado healthcare workers specifically — buying or refinancing anywhere in the state.
Down payment assistance grant up to the lesser of $25,000 or 3% of the first mortgage amount — OR a second-mortgage option for borrowers who need more.
Colorado Housing & Finance Authority's standard DPA options layered on a CHFA first mortgage.
FirstStep, FirstGeneration, and HomeAccess programs for buyers who fit specific categories.
Zero down, no PMI, reduced funding fee for disability-rated veterans. For healthcare workers who served before joining their current field, we structure dual-eligible files that often clear closing with $0 out of pocket.
For files that don't fit a DPA program — 3.5% down FHA, 3-5% down conventional, or non-QM bank-statement loans for healthcare workers with 1099 side income. Every Colorado unit has one.
PRN and per-diem shifts count as qualifying income with a 24-month history and continuity letter. Travel nurse contracts (13-week blocks) count when there's a documented pattern of consecutive contracts. National lenders frequently treat travel-nurse income as 'temporary' — it isn't when documented correctly.
Night shift, weekend shift, charge nurse, preceptor, and float-pool differentials all count as qualifying income. We attach the unit's pay matrix to the file so underwriting reads it as structured income, not a one-off bonus.
Sign-on bonuses can be countable income when amortized across the contract length and the borrower has been in the role long enough to demonstrate stability. We structure the file to maximize what counts.
Medical residents and fellows often qualify with a contract-based future-income letter (the standard 'physician loan' pattern). We document the residency program, the post-residency offer (if applicable), and structure the loan with the right physician-loan or conventional product.
Physicians, CRNAs, and PAs working locum tenens or 1099 contracts count with a 24-month 1099 history and bank-statement documentation. We use the non-QM bank statement program when the W-2 path doesn't fit.
We close mortgages in every Colorado county. The cities and metros where Colorado healthcare workers most commonly buy:
Yes. With a 24-month history of consecutive travel contracts (typically 13-week blocks) documented on your tax returns and pay stubs, travel-nurse income counts toward qualifying income. We've placed Colorado travel nurse files where the lender we shopped to actually understood the pattern and qualified the borrower at full income — not the 50% haircut national lenders default to.
Yes, with a 24-month history and a continuity letter from your employer. Most lenders skip PRN income because it's variable; we document the trailing pattern, attach the continuity letter, and submit it as recurring income.
Residents and fellows often qualify with a contract-based future-income letter — the standard "physician loan" pattern. We document your residency program, your post-residency offer (if you have one), and structure the file with the right physician-loan or conventional product. No need to wait until your attending salary kicks in.
If you're a Colorado healthcare worker — active, retired, or family of — we know how to structure your file. No documents required to start. No commitment.