CHFA Home Loans

​Through Colorado Housing and Finance Authority (CHFA), Security First Financial is able to offer Colorado home buyers a wide variety of great home loan programs with flexible rates, as well as down payment assistance (DPA) programs that help buyers purchase their homes without a lot of upfront money...sometimes with as little as $1,000 down!

General CHFA Program Requirements

Borrowers must qualify according to underwriting guidelines and meet these general requirements: 

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Nick Barta of Security First Financial is an approved participating lender with CHFA and is one of the top producing CHFA lenders in Colorado. 

CHFA Down Payment Assistance (DPA) Options* 

DPA Grant:

  • Up to 3% of your first mortgage loan amount 
  • No repayment required

DPA Second Mortgage Loan:

  • Up to 4% of your first mortgage loan amount 
  • Repayment deferred until certain events, such as payoff of first mortgage loan, sale or refinance of your home, or if home no longer owner-occupied 

We have the experience to guide you through your CHFA loan options and get you pre-qualified for a home loan​.

Please fill out the form below or give us a call at (303)740-8300 to talk to Nick Barta or one of his in-house Qualification Specialists... 

*CHFA down payment assistance can only be used when paired with a first mortgage loan under a CHFA program. First lien interest rates may be higher when using a DPA second.

CHFA mortgage programs are available to first-time and non-first-time Colorado homebuyers...

Contact us for current CHFA loan rates

"Nick was so awesome to work with. He was incredibly responsive and explained each step of the process in detail. He was always willing to answer questions. Thank you!"

- Leah C. (Castle Rock, CO)

"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)

"Nick and his team were quick and responsive. They went above and beyond in helping us understand our potential mortgage for every prospective house we were interested in. They did their best in looking for the best loan for us, and we ended up paying less monthly than we had anticipated. A huge thank you to the Security First team! You guys work hard and care about your clients and it shows!"

- Maisha B. (Longmont, CO)