We now have a JUMBO loan up to $1.5 million with as little at 3.5% down… This is the lowest down payment on a jumbo in the industry!

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Types Of Mortgages

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 ZPM Mortgage Programs

Learn about ZPM’s different mortgage programs and connect with our mortgage expert! we’re ready to help you figure out which product best fits your unique financial picture and homeownership goals.

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FHA Home Loan

An FHA Loan is a great mortgage solution, especially if you’re a first-time homebuyer or you want to pay a reduced down payment. Additionally, an FHA loan can help clients with a less-than-perfect credit score!

  • Streamlined Refinancing

    Get quick refinancing. No appraisal needed. 



  • Quick Processing

    Our FHA experts can help get your FHA loan funded in no time.

  • Most FICO Accepted

    More flexible with most FICO scores.

  • Gift Funds Allowed

    Your family or friends can help you fund your dream home.

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203(k) Home Loan Renovation

Planning to buy or refinance a fixer-upper property? The 203(k) program merges your home construction loan and mortgage into one home loan, which allows you to save money on closing costs. Also, this helps simplify your home renovation.

  • Renovating? Save on Costs

    Pool your mortgage and renovation loan into one, which lowers your loan closing costs.

  • FHA Backed-Mortgage

    The 203k loan is a combined traditional “home improvement” loan and a standard FHA mortgage. The sum of loan amounts is up to $625,500.

  • Buying or Refinancing?

    Both homebuyers or those refinancing their home can avail of the 203k loan.


  • Streamline your 203k

    When you have less extensive home renovation projects that cost up to $35,000, the Streamlined 203k loan is for you. In comparison, the traditional 203k loan does not have a size limit on the construction loan amount.

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Veteran's 'VA' Loan

For the brave men and women that served, you deserve one of our best mortgage products.

  • You Earned it

    You’ve earned the privilege of having access to the best mortgage product.

  • No Money Down

    Buy or refinance at 100% of your desired home’s value.

  • Fast Processing

    Our VA team will guide you through a seamless and fast loan transaction.

  • Turnkey Process

    Quickly receive your VA loan today.

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Jumbo Loans

A Jumbo Loan is for consumers who want to buy a larger home and take advantage of the current low rates. If you can afford a high-priced home, but you haven’t saved enough to lower the mortgage down to a conforming limit, or you’ve found the perfect home in a high-priced neighborhood, the jumbo mortgage is for you!

  • Understanding Your Financial Picture

    Our highly trained ZPM staff knows the complexities of having multi-streams of income and uses your financial situation to your advantage. 

    Purchasing a High-end Home. ZPM’s jumbo mortgages start at $417,000 and go up to $2 million.


  • Eliminates Multiple Loans

    Have the convenience of paying only one loan that has a lot of options.

  • Tax Deductible Interest

    The rates on jumbo mortgages have reached historic lows, and the interest on loans of up to $1 million is tax-deductible. 

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USDA Rural Loan

The USDA Mortgage program is intended to encourage homeownership in rural and undeveloped areas. With this offer, you may make a 0% down payment!

  • Zero Down Payment

    Yes! We offer this 100% financing option to qualified homebuyers.

  • Home Counseling Not Required

    This USDA program doesn’t require a homeowner counseling course for you to qualify.

  • First-Time Homebuyer Friendly

    Whether you’re a first-time or repeat homebuyer, you can avail yourself of this mortgage program. 


  • Insured by USDA

    You may finance 100 percent of a home's purchase price through the USDA while receiving lower-than-average mortgage rates. 

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Home Affordability Refinance Program (HARP 2.0) Loan

Do you owe more money on your house than what it's worth? Not a problem! Welcome to the most straightforward solution — HARP 2.0!

  • Many Qualify

    Over 2.5 million have qualified for this program.

  • High LTV is okay

    Even if you have a mortgage that is underwater.


  • Recent changes.

    Today, it’s easier to qualify for this loan program.

  • HARP Experts

    ZPM has in-house experts to help you qualify quickly.

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Low Down Conventional Loan

Did you hear?! Reduced down payments were relaunched by Fannie Mae and Freddie Mac — Home Possible and MyCommunity. We've been taught to analyze how these programs function and how they can help your specific financial situation.

  • Lower Down Payment Required

    When compared to other traditional mortgage programs, these programs allow qualifying homeowners to put down less money.


  • Save up for Home Expenses

    Moving may be a costly venture. With a lower down payment, you could spend more of your cash on things you need for your new home.

  • Greater Purchasing Power

    Because homebuyers may put less down on a home, they may already qualify to purchase a larger property.


  • Homebuyer Counseling Required

    One of the homebuyers must take a course on home-buyer education. 

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Conventional Loan

Get low rates when you take advantage of a conventional refinance or purchase.

  • Most common loan program

    Most borrowers have utilized this mortgage program.

  • Up to 30 years

    The available mortgages are 30, 20, 15, and 10 years.

  • Great Rates

    A conventional loan offers you low mortgage rates so you can save money. 


  • Adjustable and Fixed Rates

    Borrowers can choose between having a fixed or adjustable rate.


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Adjustable Rate Mortgage (ARM)

With an ARM, the interest rate is adjusted in accordance with the economy's fluctuating interest rates. The initial interest rate is usually lower when compared to the rates applied to a Fixed Rate mortgage. With early reductions removed, Adjustable Rate Mortgage rates will rise and fall as general interest rates fluctuate.

  • Significant Reduction on Mortgage Cost

    For a certain period of time, you can save on interest rates while more payment is applied to your principal.


  • Plan on Refinancing or Repurchase in 3-7 years?

    After your initial rate period expires, your new interest rate will be changed depending on what mortgage program you’d select.


  • Flexible Terms with Low Rates

    Lenders offer borrowers a low interest rate upfront because they know the rates will fluctuate later on.

  • Expecting a Decline in Mortgage Rates

    If you’re expecting mortgage rates to lower, ARMs might work in your favor.

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Fixed Rate Mortgage

A fixed-rate mortgage has a fixed interest rate for the duration of the loan and is available in 30, 20, 15, and a 10-year loan. The monthly amortization on this type of loan is inversely proportional to its term—with more years, the loan payment is reduced.

  • Safe

    With fixed-rate mortgages, you don’t have to worry about the interest rates going up.

  • Great Rates

    Since the rates for fixed-rate mortgages have lowered in recent years, the relative value of an ARM’s low initial mortgage rate has decreased.


  • Predictability

    Your monthly amortization is set since day 1 of your mortgage, and it does not change until you pay for your loan in full. Some homebuyers prefer this certainty.

  • Rates are Easy to View

    Check and compare today’s rates against your loan pricing. Rates can be viewed online—no cost, no obligation, and no social security number required for you to get started.


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Reverse Mortgage

Clear out Loan Payments forever. Retire comfortably. If you’re 62 or older, learn about the multiple ways you can get your money through a Reverse mortgage.

  • No Payments

     In this type of loan, no payment is required. 

  • Easy to Qualify

    No income or credit score requirements

  • FHA Insured

    The mortgage is regulated and insured by FHA.

  • Get Cash

    Get extra cash with this type of loan that’s government-insured.

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Back to Work

The Back To Work mortgage program is FHA’s way of giving a “second chance” to mortgage applicants who have had financial hardships due to severe income deduction or unemployment.

  • Waived 3-Year Waiting Period

    This mortgage program waives the FHA’s 3-year waiting period for you to buy a home if you have experienced a deed-in-lieu, foreclosure, or short sale. 


  • Cross-Program Availability

    You can combine the Back To Work program with the New Construction program or the FHA 203k Home Renovation program. Also, you can be a first-time or repeat home buyer.


  • Bankruptcy 2-Year Waiting Period is Waived

    If you experience either a Chapter 7 or Chapter 13 bankruptcy, this loan program waives the FHA's 2-year waiting time for you to purchase a home. 


  • Covers a Multitude of Circumstances

    Anyone who has gone through a deed-in-lieu, foreclosure, pre-foreclosure sale, short sale, Chapter 7 or Chapter 13 ba

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FHA 580-620 Mortgage


The FHA 580-620 mortgage program was designed to encourage homebuyers that are financially secure yet have less than perfect credit scores. This program is here for you to take advantage of the current lower rates.

  • 580 Credit Scores Accepted

    A conventional mortgage usually requires a 620 credit score.

  • Six Months of Reserves Required

    To qualify for this program, the lender must have at least 6 months of mortgage payments as assets. 

  • Gift Funds or Seller Contributions Not Allowed

    The borrower cannot use gift funds to meet the reserve requirements to qualify. The borrower must cover the funds for downpayment and closing costs.


  • Six Months of Untouched Funds

    Borrowers need to have reserve cash as well as closing costs kept in their accounts for 6 months. 


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No FICO, No Problem Program

The No FICO program was designed to assist borrowers who haven’t built their credit yet but have proven that they are capable of buying a property. 

  • Credit Score Not Required

    Build the groundwork for good credit by making on-time payments. 


  • Documented On-Time Rental Payments for 2 Years

    Having a track record of making on-time payments strengthens your case for mortgage approval. 

  • First-Time Homebuyers Course Required

    Counseling by non-profit agencies and online courses are available to ensure that first-time homeowners are prepared for their first significant investment. 


  • Required Two Months Reserves

    To qualify for this program, you must have at least two months' assets in the form of mortgage payments. Gift money is not acceptable for reserve needs.


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Home Path Program

This initiative aims to sell foreclosed homes, allowing borrowers to buy Fannie Mae-owned properties with less stringent mortgage criteria than a regular loan.

  • Credit Scores Below 660 Allowed

    Even if you have less than perfect credit scores, less than 660, you can still qualify for this program.

  • Private Mortgage Insurance Not Required

    This type of loan does not require private mortgage insurance. 


  • Gifted Down Payments

    Down payments for this mortgage can be given as a gift from a family member. Also, they can be made through a grant or loan coming from either a non-profit organization, your company, state, or local government. 

  • Appraisals Not Required

    You save money and time since an appraisal is no longer required. 

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One-Time Close Construction

A One-Time Close Construction Loan is offered to those undertaking a new build construction. Through this loan, you’ll avoid paying two closing costs, and you know what you’re getting into before your home construction starts.

  • One Loan Only

    If you obtained a standard construction loan, you’d have to go through two distinct closings—yet this application offers a one-time closure. 


  • Peace of Mind

    You will be fully informed about the financing before you begin construction.


  • Eliminate Closing Costs

    Closing fees between $3,000 and $6,000 can quickly mount up. This program lets you save money since only one closing cost payment is required. 

  • Knowledge

    Sometimes, borrowers get a new construction loan that they don’t like, only to find another mortgage to settle the existing construction loan. The One-Time Work Loan lets you be fully aware of what you're getting before your new construction begins.


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