Skip to content
Purchase Mortgage Loan
Get Pre-Approved

Self-Employed loans in Colorado

Quick answer

Self-employed buyers in Colorado can qualify with two years of tax returns on conventional, FHA, VA or USDA loans, or with 12–24 months of bank statements on non-QM programs.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

Self-Employed loan snapshot for Colorado

ItemEstimate
Minimum down payment3%–10%
Minimum credit score620–660
Typical CO home value$502,200
3.5% down on typical home$17,577
20% down on typical home$100,440
Avg. effective property tax0.49%/yr (~$204/mo)
Income for typical home (31% rule)$151,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Colorado programs pair with Self-Employed loans?

  • CHFA Down Payment Assistance Grant: A grant (no repayment) toward down payment and closing costs, with a slightly higher first-mortgage rate.
  • CHFA Second Mortgage Loan: A deferred second loan for down payment assistance repaid when the home is sold or refinanced.

Details and current limits: Colorado Housing and Finance Authority (CHFA).

What documents do self-employed borrowers need?

  • Two years of personal federal tax returns (all schedules).
  • Two years of business returns (1120S, 1065 or 1120) if applicable.
  • Year-to-date profit and loss statement.
  • Business license or CPA letter verifying the business.
  • Recent personal and business bank statements.

Full-doc vs bank-statement loans

Full documentationBank-statement (non-QM)
Income sourceTax returns12–24 months of deposits
Down payment3%–5%+Usually 10%+
RateMarketTypically higher

Self-Employed loans in Colorado cities

DenverColorado SpringsAuroraFort CollinsLakewoodThorntonArvadaWestminsterPuebloGreeleyCentennialBoulderHighlands RanchLongmontLovelandCastle RockBroomfieldGrand JunctionCommerce CityParkerLittletonBrightonSecurity-WidefieldNorthglennWindsorPueblo WestDakota RidgeEnglewoodKen CarylWheat RidgeErieLafayetteFountainColumbineEvansFour Square MileLouisvilleMontroseGoldenCliftonSherrelwoodDurangoCimarron HillsFort CarsonJohnstownFirestoneCañon CityWelbyFrederickGreenwood VillageBlack ForestFederal HeightsLone TreeFruitaSteamboat SpringsSterlingSuperiorCastle PinesThe PineryBerthoudWellingtonFort MorganMonumentCherry CreekBerkleyFairmountRifleGunbarrelEdwardsGlenwood Springs

Frequently asked questions

Yes. Self-Employed loans are available statewide in Colorado through approved lenders, subject to county loan limits where they apply.

Often yes. Colorado Housing and Finance Authority (CHFA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Colorado.

Get matched with Self-Employed lenders in Colorado

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.