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Adams Bank & Loan Mortgage Products

  • Conventional:

Adams Bank & Trust, Northern Colorado, works with The Enclave at Berthoud Lake, Berthoud ColoradoA Conventional Mortgage is any mortgage that is not insured or guaranteed by the federal government or state government. Conventional mortgages typically require a higher down payment, usually 5%-20%. They also have higher income and credit score requirements than government loans.
KEY BENEFIT: Repayment terms are generally more favorable.


 

  • FHA:

Adams Bank & Trust, Northern Colorado, works with The Enclave at Berthoud Lake, Berthoud ColoradoThe Federal Housing Administration (FHA) insures these mortgages so Adams Bank & Trust can offer you very attractive loan terms. With flexible qualification guidelines, these loans can be especially helpful and benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down. 
KEY BENEFIT: Low down payment (as low as 3.5% of the purchase price).


 

  • VA:

Adams Bank & Trust, Northern Colorado, works with The Enclave at Berthoud Lake, Berthoud ColoradoVA Home Loans help veterans finance the purchase of a home with very favorable loan terms at an interest rate typically lower than rates charged on other types of mortgages. 
KEY BENEFIT: No down payment required.


 

  • USDA:

Adams Bank & Trust, Northern Colorado, works with The Enclave at Berthoud Lake, Berthoud ColoradoUSDA Home Loans are for low to moderate-income homebuyers wanting to buy a home in a rural area. USDA Home Loans are affordable and backed by the federal government. 
KEY BENEFIT: 100% financing on a fixed 30-year loan on the appraised value of the home.

 


 

  • CHAFA:

Adams Bank & Trust, Northern Colorado, works with The Enclave at Berthoud Lake, Berthoud ColoradoCHAFA mortgage loans offer a variety of programs to increase the availability of affordable, decent, and accessible housing for lower and moderate income applicants in Colorado. 
KEY BENEFIT: 3% down payment, low credit scores are not automatically excluded.


 

  • NIFA:

Adams Bank & Trust, Northern Colorado, works with The Enclave at Berthoud Lake, Berthoud ColoradoNIFA provides affordable loan programs for first-time home buyers in Nebraska 
KEY BENEFIT: Below market interest rates and down payments.

 


 

  • Jumbo:

Adams Bank & Trust, Northern Colorado, works with The Enclave at Berthoud Lake, Berthoud ColoradoA jumbo mortgage is any single loan amount over the conforming loan limit set by Fannie Mae and Freddie Mac, which is currently $417,000. 
KEY BENEFIT: Allow purchase of a more expensive home.