Frequently Asked Questions

Get all your loan answers from our knowledgeable loan team. Looking to start your loan process? Find a loan officer to get started.

Bellco Home Loans FAQs

  1. When is my first payment?
  2. Why do I have to give blank pages to my bank statements?
  3. Why can’t escrows from my previous mortgage company be transferred to my new escrow account? (Especially when the current mortgage is with Bellco.)
  4. Why do I have to prove my other house is free and clear when you can see there is no mortgage on the credit report?

Loan Programs

FHA

Low down payment options and flexible credit requirements make FHA loans a great choice for borrowers facing common barriers to home ownership.

Conventional

Known as the standard in loan programs, conventional loans are flexible loan programs that aren’t federally guaranteed. Conventional loans are one of the most popular programs in Colorado and make a great options for buyers with the standard down payment plan.

Jumbo

Jumbo loans allow borrowers to finance luxury properties or homes in high-cost-of-living areas.

VA

VA mortgage loans offer a variety of advantages for Veterans or active-duty military members who are interested in purchasing a home.

Refinance

Taking advantage of a great rate environment is the goal of refinancing your loan. Here's what it would take to make the most of your refinance.

Renovation

If you found the perfect fixer-upper, but you need extra cash to cover the renovation expenses, a renovation loan can help make your dream home a reality.

USDA

USDA loans offer borrowers special down payment and credit requirements when buying a home in a USDA-eligible area.

HUD 184

HUD 184 home loans provide beneficial mortgage options to Native American and Alaskan Native tribal members.

Low Down Payment

Saving enough money for a down payment can be one of the biggest barriers to home ownership. The good news is that you have options when it comes to your down payment amount.

First Time Buyer

Buying your first home can be daunting. Use one of our many tailored loan products to help you achieve your homeownership goals.

TRU Offer

In today’s market, a mortgage pre-approval is simply ordinary, but a TRU Offer stands out. Offers backed by TRU Offer are fully credit, income, and asset underwritten and approved, so you can feel confident that your offer will get noticed when you find your dream home.

Buydown

Our 2-1 Buydown and 3-2-1 Buydown programs help you reduce your interest rate — and lower your monthly housing payment — in the first two to three years of your loan!

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