Loan Programs in Denver with Miranda Mortgage

We have the right program for your needs of purchasing your dream home.

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Mortgage Rate Options

Fixed Rate Mortgage

Secure a consistent payment with an interest rate that remains the same throughout the life of your loan, ideal for stability.

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Adjustable Rate Mortgage (ARM)

Benefit from initially lower rates that adjust periodically based on market conditions, perfect if planning short-term homeownership.

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Interest Only Mortgage

Reduce initial payments by covering interest only for a fixed term, beneficial for borrowers expecting increased income later.

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Graduated Payments Mortgage

Start with lower payments that gradually increase, accommodating borrowers anticipating rising incomes.

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Traditional Loan Programs

FHA Home Loans

Flexible qualifications and lower down payments, suitable for first-time homebuyers and those with limited funds.

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VA Loans

Exclusive loans for veterans, active military, and families, offering zero down payment and competitive rates.

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USDA Loans

Zero-down mortgages aimed at low-to-moderate-income buyers purchasing homes in eligible rural and suburban areas.

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Jumbo Loans

Ideal for financing high-value homes that exceed standard conforming loan limits, providing customized large-scale financing solutions.

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Reverse Mortgage

Designed for homeowners aged 62+, convert home equity into cash for retirement while retaining homeownership.

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Conventional Loans

Popular loans with competitive interest rates for borrowers with solid credit history, requiring lower insurance costs.

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First Time Home Buyer

Specialized programs and assistance tailored to ease the home purchasing process for new homeowners.

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Down Payment Options

Grants or assistance programs designed to reduce initial upfront costs, making homeownership more accessible.

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Investment Property Loans

Financing tailored specifically for purchasing properties intended for rental income or investment purposes.

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Non-QM Loan Programs

(Non-Qualified Mortgage)

DSCR Home Loan

Use your property’s rental income instead of personal income for loan qualification, suitable for investors.

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Bank Statement Program

Qualify based on bank statements instead of tax returns, ideal for self-employed or entrepreneurial borrowers.

Construction Home Loan

Custom financing for building your home from scratch, with tailored disbursement schedules for construction stages.

Fix & Flip Home Loan

Short-term financing to purchase and renovate properties intended for quick resale.

ITIN Loan

Mortgage solutions for borrowers without Social Security numbers, utilizing Individual Taxpayer Identification Numbers.

1099 Loan

Designed for freelance or contract workers, qualify for a mortgage based primarily on 1099 income documentation.

P&L Loan

Qualify using profit and loss statements rather than traditional income documentation, ideal for business owners.

Refinance Options

HELOC (Home Equity Line of Credit)

Flexible line of credit based on home equity, providing accessible funds for major expenses or investments.

Rate & Term Refinance

Lower your monthly payments or shorten your loan term by refinancing to better terms and interest rates.

Cash-Out Refinance

Leverage your home equity to refinance and obtain additional cash for debt consolidation, renovations, or investments.

VA Loan Refinance

Exclusive refinancing for veterans and military families, providing better loan terms or access to home equity.