Buying your first home in Denver?
Start with people who'll give it to you straight. Since 2002, Sustain Mortgage has helped Denver first-time buyers go from "Can we really do this?" to getting the keys, with plain-English advice, quick answers and zero pressure.
Apply with Justin → Apply with Matt →
What Denver neighbors say
When first-time buyers ask for mortgage broker recommendations on r/Denver, neighbors keep pointing them to Sustain Mortgage. They talk about how honest and forthright we are, how much we care about the community, and how quick and easy we made the process, right down to bringing the closing to their kitchen table.
Why first-time buyers work with us
Straight answers. We'll tell you what you can comfortably afford, not just the most you can qualify for.
We shop the loan for you. As an independent broker, we compare options from multiple lenders so you don't have to.
A real person, start to finish. You work directly with your loan officer, not a call center, and you'll hear back fast.
Closing on your terms. At the title company, your office or your kitchen table.
Loan options for first-time buyers
Conventional loans with as little as 3% down for qualified first-time buyers.
FHA loans with 3.5% down and more flexible credit guidelines.
VA loans for eligible veterans and service members, often with no down payment.
Gift funds from family can often go toward your down payment.
We'll walk you through the trade-offs, like mortgage insurance and monthly payment versus cash to close, so you can choose with confidence.
How it works
Let's talk. A quick call about your goals, budget and timeline.
Get pre-approved. Apply securely online. We review your credit, income and assets and give you a pre-approval letter to shop with.
Shop with confidence. We work alongside your agent and turn around updated letters quickly when you find the one.
Lock and close. We lock your rate, guide you through underwriting and keep you posted until you have the keys.
First-time buyer FAQ
How much do I need for a down payment?
Depending on the loan, as little as 3% to 3.5%, or nothing down with VA. Plan for closing costs too, and keep some savings in reserve after you move in.
What credit score do I need?
It depends on the loan. FHA is more flexible than conventional. The fastest way to know where you stand is a quick conversation, and we'll point out anything that could help your score before you apply.
What documents should I have ready?
Your last 30 days of pay stubs, two years of W-2s (or tax returns if you're self-employed), two months of bank statements and a photo ID.
Should I get pre-approved before I start looking?
Yes. A pre-approval tells you your real budget and shows sellers you're serious, which matters in a competitive Denver market.
Ready when you are
Pick your loan officer and get started, or give either of us a call.
Justin Ross, Owner & Loan Officer · NMLS 284711
303.399.2154 · justin@sustainmortgage.com
Apply with Justin →
Matt Ackerman, Loan Officer · NMLS 280052
720.427.4718 · matt@sustainmortgage.com
Apply with Matt →
Sustain Mortgage NMLS 382950. All loans subject to credit approval and underwriting guidelines. Not all applicants will qualify. Programs, rates and terms are subject to change without notice.