You Could Qualify For Up To $500K In Low-Interest Home Buying Support – With Deposit Options Starting From $1,000…
Plus, the option to get up to $25k down payment assistance at 0%.
Our expert-backed process combines state-sponsored loan programs with proven lender matching to help first-time buyers move forward confidently - without large deposits, perfect credit, or the usual confusion.
How Colorado Renters Are Breaking Free From The "Throwing Money Away" Trap In 2025 (Without Perfect Credit Or 20% Down)
You've been paying rent for years, watching thousands of your hard-earned dollars disappear each month with nothing to show for it. Meanwhile, your friends are buying homes, building equity, and creating stability – while you're still asking for permission to hang a picture on the wall. The worst part? You probably assume you need perfect credit, a massive 20% down payment, or years more of saving before homeownership becomes realistic.
But what if everything you've been told about buying your first home is wrong? What if there's a state-backed system designed specifically for people in your exact situation – one that most lenders either don't know about or won't tell you about because it requires actual expertise to navigate?
The $1k Homeownership Plan Could Put You In A Home Like This…
Why Most Colorado Renters Never Hear About State-Backed Home Loans From Their Banker…
It's not your fault you don't know about these programs. Big banks make more money from conventional loans, so they either don't mention state-backed options or make them sound too complicated. Meanwhile, smaller lenders often don't understand these programs well enough to help you.
That's exactly why expert guidance makes all the difference. When you know how to navigate Colorado's government-backed loan programs properly, you can potentially be in your own home within months – not years – and with just $1k down.
Revealed: The Underground State Program That Gets You Into A Home With Just $1,000 Down…
The "$1K Homeownership Plan" uses Colorado's government-backed CHFA bond programs combined with an expertly guided one-on-one approval process to get you into a home with as little as $1,000 down, plus unlock up to $25,000 in state-sponsored down payment assistance – structured as a second mortgage at 0% interest.
In State Assistance
This isn't some "too good to be true" scheme; these are official state programs designed to help first-time buyers, but most lenders either don't understand them or can't be bothered to guide you through the process properly.
That's why we take a completely different approach: we walk you through a comprehensive 1-hour Zoom consultation where you'll see exactly what you qualify for, understand every cost line-by-line, and get a clear roadmap from application to keys in hand.
Consultation
How The "$1K Homeownership Plan" Turns Renters Into Homeowners In As Little As 10 Days…
Get Into A Home With Just $1,000 Down:
Colorado's CHFA bond programs allow qualified first-time buyers to purchase with as little as $1,000 out of pocket – no massive savings account required.
State-Backed Means Locked-In Protection:
CHFA programs have standardized rates and terms across all participating lenders. You're protected from rate shopping games and bait-and-switch tactics.
*Up To $25,000 In 0% Interest Support:
The second mortgage component isn't just "assistance" – it's a smart way to boost your buying power without increasing your monthly payment. Most buyers don't realize this option exists, let alone how to use it properly.
Built For Real People, Not Perfect Credit:
These programs were specifically designed for working families with mid-range credit scores and modest savings. You don't need to be perfect – you just need to be guided by someone who understands how to position your application for success.
Meet Billy Campbell: The Air Force Veteran Who's Helped 1,000+ Colorado Families Escape The Rent Trap…
After serving overseas in the Air Force and coaching rugby at Colorado State University, Billy witnessed firsthand how the 2008 mortgage crisis devastated first-time buyers who were taken advantage of by unscrupulous lenders. That's when he made a commitment: to build a mortgage company focused on complete transparency, where first-time buyers would never be left confused or surprised by hidden costs.
Over the past 20 years, Billy's team has grown into one of Colorado's largest first-time homebuyer lenders – entirely through word-of-mouth referrals. No flashy advertising, no high-pressure sales tactics. Just honest guidance, expert knowledge of Colorado's state programs, and a proven track record of getting buyers to the closing table smoothly. When listing agents see Billy's name on a pre-approval letter, they know the deal will close, which means your offers get taken seriously from day one.
#1 For Customer Satisfaction – The Powerhouse Behind Colorado's #1 CHFA Lender…
Billy Team isn't working alone – they’re backed by Primary Residential Mortgage, a nationally recognized, award-winning mortgage company that ranks among the most trusted financial organizations in the nation. PRMI has earned awards for top customer satisfaction, been recommended as one of the top 50 mortgage companies in America and collected over 56,000 positive reviews with a 92% Five-Star rating.
With over 250 branches nationwide and more than 2,200 employees you get the personalized, local expertise of Billy's Colorado team, backed by the resources, stability, and proven track record of a national powerhouse.
Why Primary Residential Mortgage Is Colorado's #1 Choice For First-Time Buyers
We consistently rank among the top 3 lenders in the entire country for CHFA loan production. When you work with specialists, not generalists, your chances of success multiply.
Our clients don't just close on homes – they rave about the experience. From application to keys, you'll understand exactly what's happening and why.
If you complete our full qualification process and still walk away unclear about your options or next steps, we'll personally walk you through it again until every question is answered and you feel 100% confident to move forward.
Listing agents across Colorado know our team delivers. When they see our pre-approval letters, your offers get taken seriously because they trust we'll get you to closing on time.
Ready To Move Into A Place To Call Your Own? Here's How To Get Started In 3 Simple Steps…
Claim Your FREE 30-Minute First-Home Strategy Session
Book your no-pressure consultation where we'll review your income, credit, and savings to determine exactly what you qualify for under Colorado's state programs.
Get Your Custom $1K Homeownership Plan
Receive your personalized roadmap showing your buying power, available assistance programs, and step-by-step timeline to homeownership.
Start House Hunting With Confidence
Armed with a rock-solid pre-approval and expert guidance, you'll make offers that get accepted while other buyers are still figuring out if they're "ready."
These 1,005+ Colorado Homeowners Prove You Don’t Need ‘Perfect’ Credit To Own Your Own Home…
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Jim Mitzel and his team at Primary Residential Mortgage are incredible people to work with! We recently purchased a new home, and the team made the fi ...
Tawny Hunsaker did a superior job with our loan. I would recommend her without reservation to anyone seeking a home loan or refinance.
Working with Jennifer was a very good experience! She always answered the phone, answered any questions I had (no matter how non intelligent they were ...
Tiffany Burton was amazing to work with. She is incredibly knowledgeable, professional and responsive. She delivered an exceptional experience that fa ...
Our “First Home Clarity” Guarantee
We’re not like other lenders who leave you confused, disappear mid-process, or drop a bunch of numbers in your inbox with no explanation.
Our process is built to give you total clarity on your buying power, your eligibility, and exactly what to do next to move toward your first home… even if you’ve been told “you’re not ready.”
If you complete our full qualification process - including your 1-on-1 consultation - and still walk away unclear about where you stand or how to move forward…
We’ll personally walk you through it again - until every question is answered, and you feel 100% confident in your next step.
No pressure. No guesswork. Just a clear path - or we’ll make it clear.
Claim Your FREE 30-Minute ‘First-Home Strategy Session’ And We’ll Show You How To Buy Your First-Home With as Little as $1,000 Down!
Here’s just a fraction of what you’ll discover in your FREE Session: