Business Details
29 Years
experience
Your Trusted Denver Mortgage Lender for Fast Approvals & Low Rates
Since 1997, Downs Financial has established itself as a trusted mortgage company dedicated to helping homebuyers and homeowners access optimal financing solutions. Our nationwide presence enables us to serve clients across the United States with personalized mortgage options tailored to diverse financial situations. With an A+ rating from the Better Business Bureau, we prioritize transparency, efficiency, and customer satisfaction. Our streamlined underwriting and closing processes deliver industry-leading speed, often providing same-day pre-approvals and full loan approvals within 24 hours. Our team of seasoned mortgage experts leverages extensive industry experience and a robust network of local appraisers and title companies to ensure seamless transactions.We specialize in conventional, FHA, VA, and jumbo loans up to $3,000,000, catering to first-time buyers, seasoned homeowners, and investors. Our commitment to competitive rates, low fees, and fast closings has solidified our reputation as a reliable partner in home financing. We offer flexible loan terms ranging from 10 to 30 years, with options for cash-out refinancing, debt consolidation, and home improvement financing. Our digital tools simplify the application process while maintaining the personal touch of direct communication with loan officers. By combining technological efficiency with human expertise, we empower clients to achieve their homeownership goals with confidence.
Services
Mortgage Refinancing
Home Purchase Loans
FHA Loans
VA Home Loans
Jumbo Loans
Conventional Mortgages
Cash-Out Refinancing
Home Equity Loans
Home Improvement Loans
Debt Consolidation
Details
- Year established: 1997
Highlights and features
- We have over 20 years of experience in mortgage financing.
- Our A+ Better Business Bureau rating demonstrates our commitment to excellence.
- We offer the fastest mortgage approval process in the industry.
- Our team provides same-day pre-approvals for qualified applicants.
- We serve clients nationwide with personalized mortgage solutions.
Associations and certifications
- Better Business Bureau (BBB)
What people say
Fast mortgage approvals
Competitive rates
Personalized service
Experienced team
Nationwide access
Services
Mortgage Refinancing
Our mortgage refinancing solutions help homeowners lower interest rates, adjust loan terms, or access home equity. We offer cash-out refinancing, ARM-to-fixed conversions, and streamlined options for improved financial flexibility. With competitive rates and expert guidance, we help clients optimize their home loans for long-term savings.
FHA Loans
FHA loans provide accessible financing for buyers with lower credit scores or limited down payments. We offer FHA purchase and refinance options with 3.5% minimum down payments, gift fund flexibility, and shorter waiting periods after credit events. Our specialists help clients navigate FHA guidelines to achieve homeownership goals.
VA Home Loans
VA home loans deliver 100% financing options for eligible veterans and service members. We provide VA purchase and refinance solutions with no down payment requirements, competitive rates, and seller concession allowances. Our team ensures veterans receive the full benefits of their VA loan entitlements through personalized support.
Jumbo Loans
Our jumbo loans cater to high-value property purchases exceeding conventional loan limits. We offer financing up to $3,000,000 with fixed and adjustable-rate options for luxury homes. Our underwriting process considers unique financial profiles to help clients secure premium properties with competitive terms and dedicated service.
Conventional Mortgages
Conventional mortgages provide flexible financing for primary residences, second homes, and investment properties. We offer conforming and non-conforming loans with down payments starting at 3-5%, various term options, and automated underwriting for qualified borrowers. Our conventional loan programs balance accessibility with financial responsibility.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, jumbo, and refinance loans with terms from 10-30 years.
How quickly can I get approved for a mortgage?
We provide same-day pre-approvals and complete loan approvals within 24 hours of verification.
Do you offer financing for low credit scores?
Yes, our FHA loans allow credit scores as low as 580 with 3.5% down payments.
Can I refinance my current mortgage?
Yes, we offer cash-out refinancing, rate reductions, and term adjustments for existing homeowners.
What areas do you serve?
We provide mortgage services nationwide with local market expertise through our partner network.
How do I start the mortgage process?
Contact us for a free consultation or complete our online application to begin pre-qualification.
