All Right! You're Ready!
Submit your info down below and we'll get in contact - ASAP!
Download the free Promise of Home Playbook Now Get Started
COLORADO HOME OWNERSHIP
Down Payment Assistance
Get Up to $25,000 towards your Down Payment
Home ownership should feel possible. As an approved CHFA and MetroDPA lender, Guild Mortgage connects Colorado buyers to down payment assistance and smart rate options that make owning achievable.
Whether it’s your first home or your next, we’ll help you find the program that meets your moment.
Want to know more?
Download free Promise of Home Playbook
Click The Button below to get the Promise of Home Playbook; your ultimate guide for homebuyer education and down payment assistance. It gives you a step-by-step plan on achieving home ownership.
Meet Your Mortgage Advisors
Charissa "Cher" Cruz
Investor-first, Outcomes-driven
Wall Street-trained at Merrill Lynch and Salomon Brothers, Cher builds investor-grade mortgage strategies: Jumbo, DSCR, asset-depletion, optimized for total cost and early-year cash flow. Executive-level responsiveness, meticulous packaging, and a global perspective that turns complexity into confident closings.
(NMLS 246806, licensed in CO)
Molina Croxton
Strategic operator, Deal architect
Former corporate finance & strategy leader at Microsoft, McGraw Hill, and Charles Schwab, Molina designs lending structures that protect cash flow and compress timelines: Jumbo, DSCR, bank-statement, asset-depletion—with the same discipline she brought to Fortune-500 P&Ls. Creative, efficient, and unapologetically results-oriented.
(NMLS 2720019, licensed in CO)
ABOUT DOWN PAYMENT ASSISTANCE
You Are in the Right Place
Does This Sound Like You?
- First-time Buyer, Solid Income, Thin Savings - You’re paying Denver-level rent, your credit is fine, but your down payment isn’t. Every month you wait, prices and rents inch up. You need help with cash to close without draining your safety net.
- Professional/New to Colorado - Your income is strong, but student loans, childcare, or relocation costs ate your savings. You’re not sure if you’re “over the limit” for assistance or how stacking assistance with rate options actually works.
- Veteran/Active-Duty - You’ve heard VA can mean $0 down, but you still worry about closing costs and monthly payments. You want to know if Colorado programs can partner with your benefits to lower your upfront and ongoing costs.
- Repeat Buyer Reset - Life happened; divorce, a move, or selling sooner than planned, and now rebuilding cash is the hurdle. You’re unsure whether assistance is only for “first-timers” and need a simple yes/no path to see what’s possible.
WHAT WE OFFER
DPA Programs
MetroDPA
BENEFITS
- Down payment assistance up to $25,000 in the form of an interest-free, deferred second mortgage or non-repayable grant
- Must be paired with a CHFA FHA, USDA or VA first mortgage
- Minimum $1,000 borrower contribution may be gift funds
Eligibility Requirements
- Minimum 620 credit score
- First-time and repeat homebuyers are eligible
- Income limits apply
- Homebuyer education is required
CHFA First Generation
BENEFITS
- Competitive first mortgage interest rates
- $25,000 in down payment assistance in the form of an interest-free, deferred second mortgage
- Assistance may be used for down payment, closing costs, prepaids, and principal reduction
Eligibility Requirements
- Must be a first-generation homebuyer
- Income and purchase price limits apply
- FHA first mortgage options
- Minimum 620 credit score
- Homebuyer education is required
- Minimum $1,000 borrower contribution (gifts eligible)
CHFA SmartStep
BENEFITS
- Down payment assistance up to $25,000 in the form of an interest-free, deferred second mortgage or non-repayable grant
- Must be paired with a CHFA FHA, USDA or VA first mortgage
- Minimum $1,000 borrower contribution may be gift funds
Eligibility Requirements
- Minimum 620 credit score
- First-time and repeat homebuyers are eligible
- Income limits apply
- Homebuyer education is required
Download free Promise of Home Playbook
Click The Button below to get the Promise of Home Playbook; your ultimate guide for homebuyer education and
down payment assistance. It gives you a step-by-step plan on achieving home ownership.
Molina Croxton (NMLS # 2720019) is authorized to do business in the state of Colorado. Charissa Cruz (NMLS # 246806) is authorized to do business in the state of Colorado. Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.
Guild Mortgage Company is not affiliated with Colorado Division of Real Estate. Program eligibility and availability varies and is subject to change based on DRE guidelines. Borrower must meet eligibility requirements.
Privacy Policy – NMLS Consumer Access site – Privacy Notice – Licensing .