Nate Moghadam  ·  NMLS #906770  ·  Fairway Independent Mortgage

Mortgage Loans in Colorado

Whether you're buying your first home in Denver, relocating to Boulder, or settling into Fort Collins or Colorado Springs, Nate Moghadam helps Colorado buyers get to the closing table with confidence.

Licensed in Colorado
10+ Years Experience
5-Star Rated
Direct Access to Nate

Your Local Mortgage Expert in Colorado

I'm Nate Moghadam, a mortgage loan officer with Fairway Independent Mortgage Corporation, fully licensed in Colorado. The Front Range has become one of the fastest-growing real estate markets in the country, and I've helped buyers compete and win in Denver, Boulder, Fort Collins, and Colorado Springs for over a decade.

Colorado buyers face a unique mix of challenges — high demand, rising prices, and a market where a clean, credible pre-approval can make or break your offer. I work quickly, communicate every step of the way, and have every major loan program available including FHA, Conventional, VA, Jumbo, and Non-QM for self-employed buyers and investors.

When you're ready to buy in Colorado, you need a lender who's reachable, knowledgeable, and fast. That's what you get with me — no voicemail loops, no delays, no surprises at closing.

  • All major loan types: FHA, Conventional, VA, Jumbo, and Non-QM loans available in Colorado
  • Fast pre-approvals: Solid pre-approval letters that give you a real edge in competitive markets
  • Direct communication: Call or text Nate directly — no call centers, no voicemail loops
  • On-time closings: Agents and buyers across Colorado trust Nate to close on schedule

Ready to Buy in Colorado?

Get started today. Pre-approval takes minutes and there's no obligation.

Start Pre-Approval Book a Call First

Nate Moghadam · NMLS #906770
Fairway Independent Mortgage Corp · NMLS #2289
Equal Housing Lender

Loan Types Available in Colorado

Every buyer's situation is different. Nate will help you find the program that fits your goals and finances.

FHA Loans

Great for first-time buyers. Down payments as low as 3.5% and flexible credit requirements.

  • Down payment from 3.5%
  • Flexible credit requirements
  • Government-backed
Learn About FHA

Conventional Loans

Competitive rates, no upfront MIP, and down payments from 3% for qualified buyers.

  • Down payment from 3%
  • No upfront MIP
  • PMI removable when eligible
Learn About Conventional

VA Loans

Zero down payment, no PMI, and competitive rates for veterans and active-duty military.

  • 0% down payment
  • No private mortgage insurance
  • Competitive VA rates
Learn About VA

Jumbo Loans

Financing for high-value properties above conforming loan limits — common in Denver and Boulder.

  • Above conforming limits
  • Competitive rates
  • Flexible underwriting
Learn About Jumbo

Non-QM Loans

Self-employed? Investor? Flexible qualification for buyers who don't fit the standard box.

  • Bank statement programs
  • Investor cash flow loans
  • ITIN & alternative doc
Learn About Non-QM

Not sure which loan is right for you?

Book a Free 15-Minute Call

Mortgage FAQs for Colorado Buyers

Straight answers to the questions Nate hears most from buyers in Colorado.

Yes. Nate Moghadam (NMLS #906770) is fully licensed in Colorado through Fairway Independent Mortgage Corporation (NMLS #2289). You can verify his license at NMLS Consumer Access.
Nate offers FHA loans (3.5% down), Conventional loans (3% down), VA loans (0% down for veterans), Jumbo loans for higher-priced Front Range and mountain properties, and Non-QM loans for self-employed buyers and investors.
As little as 3.5% with an FHA loan (580+ credit score), 3% with a Conventional loan for first-time buyers, or 0% with a VA loan for eligible veterans. Nate will help you find the right fit for your savings and situation.
The Denver metro and Boulder are consistently among the most competitive markets in the Mountain West. Strong tech and aerospace job growth, in-migration from California, and limited inventory keep demand high. A fast, credible pre-approval is essential before you make an offer — Nate issues them quickly and backs them up with execution that listing agents trust.
A typical purchase closes in 30–45 days from accepted offer. Pre-approval can happen in 1–2 business days. Nate works proactively to hit your contracted close date — on-time closings are something his agent partners specifically rely on.
Apply online — it takes about 10 minutes. Or book a free call with Nate to talk through your situation first. No pressure, no obligation.

Ready to buy in Colorado?

Talk to Nate directly — no forms, no call centers, no runaround.