Guides
Planning guides for Colorado school staff, first responders and other first-time buyers: program math, local costs and the rules behind them, checked against CHFA, county and federal sources.
Which Colorado down payment programs accept business owners and 1099 contractors, how lenders figure your income after write-offs, and a prep calendar for your file.
How Colorado lenders count Uber, Lyft, DoorDash, Instacart and Amazon Flex income after mileage, which down payment programs fit, and how ski-season gaps are reviewed.
Exit math for every major Colorado program: Schools To Home shared appreciation, Champions payoff, Pikes Peak forgiveness, metroDPA, Colorado Roots, Dearfield and recapture.
A program-by-program map of the first mortgage behind Schools To Home, Colorado Champions, SmartStep, Preferred, FirstStep and HFA1, with credit floors and mortgage insurance.
How lenders count overtime, callback and shift pay for Colorado firefighters, deputies, EMTs and dispatchers, with the Champions income cap and CHFA debt limits.
How lenders read 9-, 10- and 12-month pay, summer school, coaching stipends and new-hire contracts, plus the Schools To Home full-time rule and timing tips.
A budget plan for expensive Colorado markets: CHFA loan caps, FirstStep price limits, how Schools To Home's 25% scales, and local programs that add more.
How Colorado metro district levies add to property tax on new builds, the disclosures builders must give you, a worked tax estimate, and how lenders count the bill.
How HOA dues shrink your loan budget, which documents Colorado law and the state HOA Center say to read, how to check registration, and the warning signs.
Local work-hour rules, deed restrictions, waitlisted loan funds, transfer taxes and CHFA income limits for first-time buyers in Summit, Eagle, Pitkin, Garfield and San Miguel counties.
How Colorado's income-restricted, permanently affordable and community land trust homes work: who qualifies, asset limits, resale caps, and where federal discounts fit.
How wildfire risk affects Colorado home insurance, your new right to see your risk score, the FAIR Plan's $750,000 limit, and how to budget insurance before you sign.
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