(303) 740-8300


We proudly helped over 400 Colorado families achieve the American Dream of homeownership in 2019

What we can help you with...

My team and I are here to answer any questions you have. We can help you understand more about:

  • Colorado loan programs
  • Rates
  • The loan process
  • What you'll need for your application
  • What to expect after you complete your application



This is the most "traditional" home loan option for borrowers with low rates and low down payment options.

  • Qualify with a credit score of 620+
  • Flexible low down payment options, sometimes as little as 3% down
  • Availability for purchase or refinance
Conventional Mortgage Calculator

Government-backed loan for first-time homebuyers or those with higher debt-to-income ratios.

  • Qualify with a credit score as low as 500-580
  • Low down payment options, sometimes as little as 3.5% down
  • Great for first-time homebuyers

Down payment assistance grants and second mortgage loans* for down payment and/or closing cost assistance.

  • Have a mid-credit score of 620 or higher
  • Minimum contribution of $1,000 towards the purchase of a home 
  • You don't have to be a first-time homebuyer
  • Up to $19,374 in assistance

*First lien interest rates may be higher when using a DPA second.

VA Loans are designed for military personnel, veterans, and military families. 

  • Qualify with a credit score as low as 580
  • No Down Payment Required (Closing costs & fees may still apply)
  • Government-backed, so no private mortgage insurance required

Area-specific rural and suburban property financing that's ideal for low and moderate-income households.

  • Qualify with a credit score as low as 620
  • No Down Payment Required (Closing costs & fees may still apply)
  • Not limited to first-time buyers

Finances home purchases up to $3 million with options for low down payment and no mortgage insurance.

  • Qualifying credit scores as low as 660
  • Financing for primary residences and second homes
  • Interest-only options


There are many types of home refinancing options, all designed to help you meet your financial goals faster. You can use a refinance to shorten your repayment term and payoff your mortgage faster, consolidate debt into one payment, or take cash out of your equity to pay for an exciting new chapter in your life. 

Borrowers often refinance their home to:  

  •  Consolidate debt to reduce monthly expenses 
  •  Update or remodel their home  
  •  “Go green” with energy-efficient upgrades 
  •  Free up equity to purchase an investment property
Apply Now for a Home Refinance

*When it comes to refinancing your home loan, you can generally reduce your monthly payment amount; however, total finance charges may be higher over the life of your mortgage loan.


"My experience was spectacular. The communication was on point, on time, and questions were always replied with immediate attention. The whole process of buying a house was so much easier because we had a great team. Thank you again and we will be sending our friends and family your way because this group is the dream team. :) "

- Luz P. (Northglenn, CO) - Verified Customer Review on SocialSurvey

"Nick Barta was amazing! Kept constant communication with us, and even responded to me on a Friday night at 10 PM about issues that arose last minute. Very professional, and was able to help us with every and any obstacle thrown our way. My husband and I are very appreciative of the Barta Team, thank you!"

- Abigail C. (Aurora, CO) - Verified Customer Review on SocialSurvey 


Whether you're a first-time home buyer or interested in refinancing your current mortgage, you've come to the right place.

My team and I are dedicated to making your loan process as smooth and pain-free as possible. We work tirelessly for you to make sure that we keep you informed during the loan process and that we find the perfect loan program for your situation.

My in-house team of processors, underwriters and closers are all very experienced and proficient. We close loans on time and we take care of everything so you don't have to worry.

With 30+ years of mortgage experience and an in-depth knowledge of the Colorado housing market, I can provide you with a mortgage experience that’s high-value, low-stress, and over before you know it.

If you're ready to buy a home or refinance your current one, give me a call!

Nick Barta Division President NMLS# 25540 CO LMB100017626 


  • 303-740-8300
  • nbarta@securityff.com
  • 303-709-9625