Save Thousands on Your Rate
As a broker, I beat banks and retail lenders on rate 98% of the time. On a $400K loan, even a quarter-point lower rate saves you over $20,000 in interest. That's real money in your pocket — not the lender's.
Get a Low-Rate Colorado Mortgage Without the Runaround
I'm Ben Yost — Colorado's Home Loan Expert. 25+ years, 160+ wholesale lenders, and 30+ down payment assistance programs most lenders don't even know exist. Plain English. Zero pressure. Real results.
- Beat bank rates 98% of the time
- 30+ DPA programs
- Free Personalized Homebuyer Seminar
Certified Mortgage Professional · Seven-Year Five Star Mortgage Professional · Edge Home Finance, NMLS #243370
Buying a home shouldn't feel like a maze. Here's why it does — and how I fix it.
You've probably been told:
- “It's hard to qualify.”
- “You need 20% down.”
- “Rates are all over the place.”
- “It's a nightmare of paperwork.”
And then you call a lender and get pushed through a corporate sales script that leaves you more confused than when you started. No one explains what's actually happening. No one tells you about the programs you might qualify for. No one's actually on your side.
That's not how this should work.
I'm an independent Colorado mortgage broker. That means I shop 160+ wholesale lenders on every loan and pick whichever has the best deal for you on any given day. A bank can only sell you their products. I sell you the right one.
I'll either get you a loan, or put you on a clear path to homeownership — spelling out exactly what to do in the next 30 days, 6 months, or year.
No pressure. No jargon. Just real talk and a plan that works.
What you actually get when you work with me
Get Into a Home Faster Than You Thought Possible
30+ down payment assistance programs. VA and USDA zero-down options. Stacking strategies most lenders don't know exist. If you're sitting on the sidelines because you "don't have enough saved" — call me before you give up. Most of my first-time buyers close with way less out of pocket than they expected.
Actually Understand What You're Doing
Every pre-qualified client gets my Personalized Homebuyer Seminar — a free 30 to 90 minute Zoom session where I walk you through every loan option, payment scenario, DPA program, and step of the process. Walk in nervous, walk out confident. Nobody else in Colorado does this.
Real Colorado homebuyers. Real results.
“Ben was on it! He explained everything, got us a great rate, and made the whole process easy.”
“Communication was incredible. Zero stress. We'd use him again in a heartbeat.”
“Ben is amazing. Very on top of everything and GREAT with communication. Our process with him went so smoothly, we will definitely recommend him to anyone needing these services in the future.”
4.9/5 from 80+ verified reviews on Google, Zillow, and Yelp
See all reviews →Every Colorado loan option — under one roof
FHA Loans
Low down payment, flexible credit. Great for first-time buyers in Colorado.
VA Loans
Zero down for eligible Colorado veterans. No PMI. Competitive rates.
Conventional Loans
Best for strong credit and standard down payments.
Jumbo Loans
For higher-priced Colorado homes above conforming limits.
USDA Loans
Zero down for eligible rural Colorado areas.
Down Payment Assistance
30+ Colorado DPA programs. Most lenders carry 2–3.
Refinance
Lower your rate, pull equity, drop PMI, or change your term.
Self-Employed Loans
Bank statement loans, DSCR, and alt-doc options.
Personalized Homebuyer Seminar
My signature free education session for every client.
Two paths. Pick the one you actually want.
Without Ben
- Stuck behind a corporate script
- Quoted whatever rate that one bank happens to have
- Never told about the DPA programs you might qualify for
- Scared to ask "dumb" questions
- Closing day chaos
- Wondering if you got a good deal
With Ben
- A real conversation in plain English
- The best rate among 160+ lenders, every time
- Walked through every Colorado DPA program you qualify for
- Free Personalized Homebuyer Seminar so you understand everything
- Smooth closing — start to finish
- Confidence that you made the smart move
Quick Answers
How much do I need for a down payment in Colorado?
Less than you probably think. Conventional loans can go as low as 3% down, FHA is 3.5%, and VA and USDA can be zero down. On top of that, Colorado has 30+ down payment assistance programs that can cover much of your down payment and closing costs. The real number depends on your situation — and it's usually smaller than the '20% down' myth.
What credit score do I need to qualify?
There's no single magic number. Many programs work with scores in the low 600s, and some go lower. A higher score gets a better rate, but a lower score doesn't automatically mean no. If your credit needs work, I'll either find a program that fits or give you a clear plan to raise it.
Are you a bank or a broker?
I'm an independent mortgage broker. A bank can only sell you its own products. As a broker, I shop 160+ wholesale lenders on every loan and pick whichever has the best deal for you that day — which is why I beat banks on rate about 98% of the time.
How long does the mortgage process take?
For most buyers, accepted offer to closing day runs about 3 to 4 weeks once we have your documents. Pre-approval beforehand usually takes just a quick conversation and some basic paperwork. I keep things moving so closing day is smooth, not chaotic.
Do you work with first-time buyers?
Constantly — first-time buyers are a huge part of what I do. I built my whole process to be clear and low-pressure, and every pre-qualified client gets my free Personalized Homebuyer Seminar. Most first-time buyers are surprised how little they actually need to get started.
What is the Personalized Homebuyer Seminar?
It's my signature free education session — a 30 to 90 minute Zoom call where I walk you through every loan option, payment scenario, down payment assistance program, and step of the process, built around your situation. Walk in nervous, walk out confident. No charge, no obligation.
How do I get started?
The easiest first step is a free 15-minute call. Call or text me at 303-587-4297, schedule online, or fill out the contact form and I'll get back to you the same day. We'll talk through your situation and options — no pressure, no sales pitch.
Got a question that's not here? Ask Aspen, my AI mortgage assistant — she can answer almost anything 24/7. (Aspen launches in chat — placeholder for Phase 2)
Browse the full FAQ Hub →Ready to find out what's actually possible for you?
No pressure. No sales pitch. Just a real conversation about your situation, your options, and your next step.
Or fill out the contact form and I'll get back to you the same day.