Buy Your First Home

Sooner than you thought possible

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this home



(888) 231-2444


Neo W+E 250

FOR additional details on
mortgage options


(888) 231-2444

One of the biggest challenges first time home buyers have when purchasing their first home is saving enough money for a down payments. Many believe you need 20% down, but is not the case. There are 20+ no & low down payment options available to buy a home. Some don’t even have income limits. Check out these programs available on this home…

20 NO & Low Down Payment Options

Low down payment options & down payment assistance (DPA) up to 4% of the purchase price.

CHFA has ten programs:

Down payment assistance up to $20,000 throughout the State of Colorado.

CHAC has one program:

Down payment assistance up to 5% of the purchase price with no minimum contribution required.

Chenoa Fund has four programs:

In addition to the down payment assistance programs above, there are five no & low down mortgage options including: (as low as 0% down)

See all the No & Low Down Options ⨠

Helping You Achieve HOMEOWNERSHIP

Everything you need to buy your first home in the next 12 months

12412 York Street, Thornton, CO 80241 | State license detail available at

Copyright © 2022 NEO Powered by Luminate Home Loans, Inc. | NMLS #150953 | For licensing information, go to: | | Luminate Home Loans, Inc. is a wholly-owned subsidiary of Luminate Bank. Corporate Headquarters 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan approval and/or loan commitment is subject to final underwriting review and approval. Other terms and conditions apply. | Privacy Policy | Equal housing lender.


Education is critical to the success of our children and our future and those who dedicate their time to educating should be recognized. We help educators save on their home purchase through a variety of mortgage programs.

First Responders

Police, Firefighters, EMTs are there when we need you and we'll be there when it's time for you to make your home purchase to uncover every opportunity to save.

Government Employees

You serve to better our towns, cities, counties, states and the U.S. as a whole. The least we could do is serve you when it is time for you to buy your first home which is exactly what we'll do!

Healthcare Workers

You know all too well that healthcare goes beyond a simple diagnosis and is about the care you receive. We will not only provide you with a personalized mortgage solution but we will do it with utmost care along the way.


Thank you for serving our country and protecting our freedom. We would love to serve you and assist you with identifying the best military benefits available to you as you buy a home.


Many renters feel like they take 3 steps forward and 2 steps back as they pursue homeownership. Allow us the opportunity to help you buy sooner than you thought possible.

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