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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Dave Shepard

Dave Shepard

Senior Loan Officer

507 Main Street, Grand Junction, CO 81501
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.93 out of 5.0 stars
5.0
5.0
4.93
David
Jan 06, 2024
Verified

David and his team are great! From advise to making sure everything is completed on time! Thanks guys!
Darryl D
Nov 07, 2023
Verified

Great communication
Madison
Nov 07, 2023
Verified

Dave explained every process, answered all of our questions, and was always there when we needed. He’s a great resource and we loved working with him!
Jack
Nov 01, 2023
Verified

Dave was always good to communicate with us about the process and progress of our loan. We were made aware of all the necessary information prior to the loan funding . He was great!
Cheyenne
Oct 31, 2023
Verified

Dave was friendly, pointed out areas for us to work on, notified us of upcoming deadlines.
Cameron
Oct 31, 2023
Verified

Dave and Logan made it easy and helped us every step of the way.

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NMLS ID #253764
I am authorized to do business in the states of Colorado, Florida and Texas.