Home Loans - Pueblo

As your trusted independent Pueblo home lender, Assurance Financial is equipped to handle all your home mortgage needs. We’re committed to quality service and providing a seamless, positive home financing experience.

Buy a Home

Buying a home in Pueblo is easy with Assurance Financial. Whether you’re a first-time home buyer, experienced homeowner or a real estate investor, we’ll help you navigate the path to homeownership with a simple application.

Our range of loan products empowers you to achieve your goals:

• First-time home loan: Your dream home is closer than you think. Access down payment and closing cost assistance programs to streamline your journey to homeownership.
• Conventional loan: If you have strong credit, you can finance all types of properties with a conventional loan. You also have the choice to eliminate mortgage insurance with a 20% down payment.
• Nonqualified loan: Ideal for self-employed business owners, property investors and other individuals who don’t typically qualify for traditional home loans.
• Jumbo loan: This option suits investors or homeowners looking for a larger loan, and both fixed and adjustable rates are available.
• USDA loan: From 100% financing to no down payment required, a USDA loan helps you fund a home purchase in a more rural area.
• FHA loan: Backed by the Federal Housing Administration, this loan option offers more flexible credit requirements and a lower down payment.
• VA loan: Available to veterans, active duty military and an eligible family member of a military veteran, a VA loan provides 100% financing and requires no down payment.

Refinance a Home

Pay off your existing mortgage and replace it with a new one offering better terms. You can refinance your home if you already have a VA, FHA, conventional or USDA loan. Refinancing options include:

• Lower interest rates that decrease your monthly payments.
• A shorter loan term that allows you to pay off your mortgage faster.
• Consolidate your high-interest credit card and personal debts into a single, lower-interest mortgage payment.
• Tap into your home’s equity and cash out to fund your financial goals.

Build a Home

Constructing the home of your dreams should be an exciting journey. Whether you’re building from the ground up or planning a major renovation, a construction loan provides the financial foundation you need to bring your vision to life. Enjoy benefits like:

• Competitive rates: We offer favorable rates to help you budget effectively from the start, giving you clarity and control over your project’s finances.
• Flexible draw schedules: We work closely with you and your contractor to determine a payment schedule that aligns with construction milestones.

Use Your Equity

After years of mortgage payments and market appreciation, you could turn your home’s equity into cash. Our home equity loan or second mortgage provides you with a single, lump sum payment ideal for:

• One-time large expenses like home renovations.
• Consolidating high-interest debts into one, lower-interest payment.

We also offer a home equity line of credit (HELOC), where we approve a maximum credit limit which you can withdraw as needed for a set period of time. You can fund ongoing or unexpected expenses while enjoying financial flexibility and control.