Home financing that actually makes sense.
KO Mortgage is a lender based in Colorado, licensed to lend in 49 states. We explain the numbers in plain English and strive to knock it out of the park with every home loan.
- 49 States
- WHERE WE LEND
(EXCLUDING NY) - Colorado
- Where we are based
- 5-Star
- Client reviews
Why work with KO Mortgage?
A lender in your corner, not a call center
We work for you. That means more options, more context, and fewer surprises on the way to closing.
A 49-state mortgage professional on your side
We have vast market knowledge and lend in 49 states, ensuring that you receive a product suited to your specific needs wherever you are buying.
Confidence in your home loan process
We back our on-time closing guarantee with $1,000 to the seller and $1,000 to the buyer if we do not close on time. It is our way of putting our money where our mouth is.
Finding the right match for a big decision
With a wide range of loan products under one roof, we can preapprove a broader range of clients.
Loan Programs
Options for first-time buyers, Veterans, and investors
Every borrower's situation is different. Here's a starting point for the programs we work with most.
FHA
Government-backed financing built for buyers with a smaller down payment or a shorter credit history.
Learn moreConventional
The most widely used loan type, with flexible terms for buyers who have established credit.
Learn moreVA
Financing designed for eligible Veterans, active duty service members, and qualifying spouses.
Learn moreDown Payment Assistance
Grant and second-mortgage programs that can help cover the up-front cash needed to buy.
Learn moreJumbo
For purchases above conforming loan limits, where a higher balance is needed.
Learn moreNon-QM
Alternative documentation options for self-employed borrowers and investors.
Learn moreReverse Mortgage
For homeowners 62 and older who want to convert home equity into cash flow without a monthly mortgage payment.
Learn moreUSDA
Zero down payment financing for eligible buyers purchasing in qualified rural and suburban areas.
Learn moreConstruction
Financing to build a new home or complete a major renovation, with funds released as the work progresses.
Learn moreHELOCs and 2nd Mortgages
Tap equity without touching the low rate on your first mortgage, through a line of credit or a fixed second lien.
Learn moreBridge Loans
Short term financing that lets you buy your next home before your current one sells.
Learn morePrivate Money Loans
Asset based financing for investors and time sensitive deals that do not fit conventional guidelines.
Learn moreRenovation Loans
Buy or refinance and roll the cost of repairs and upgrades into a single mortgage.
Learn moreITIN Loans
Home financing for borrowers who file taxes with an ITIN instead of a Social Security number.
Learn moreCash Buyer Program
Make a cash offer on your next home, then finance it after you close and win the contract.
Learn moreReviews
Trust built one closing at a time
Real feedback from Colorado borrowers who've been through the process with us.
“Keegan walked us through every single step of our first home purchase. He never made us feel like our questions were dumb, and we closed on time without a single surprise.”
“Ocean found us an option we didn't even know existed. Communication was constant and the whole process felt organized from day one.”
“As a self-employed buyer I had been told no more than once. KO Mortgage took the time to actually understand my income and got it done.”
“Responsive, straightforward, and genuinely good people. They explained the numbers in plain English and let us make the call.”
“We refinanced with KO after buying with them. Same care the second time around. I recommend them to everyone at my office.”
“Our agent recommended KO and we're glad she did. Fast preapproval and a team that picked up the phone every time we called.”
Rates
Today's mortgage rates
Live pricing across popular loan programs. Your actual rate depends on credit, loan amount, occupancy, and other factors.
Have questions? Let's talk.
Whether you're two years out or under contract next week, a short conversation is the fastest way to know your options.