# Josh Lemos ## Posts - [First Time Home Buyer in Colorado: CHFA, metroDPA and Your Loan Options in 2026](https://joshlemos.com/first-time-home-buyer-colorado/): How first time buyers in Denver and across Colorado combine a low down payment loan with CHFA or metroDPA assistance, what credit and income you need, and the 2026 loan limits by county. - [Condotel and Non Warrantable Condo Loans: How to Finance a Resort Condo in Vail or Florida](https://joshlemos.com/condotel-non-warrantable-condo-loans/): Many resort condos in Vail and Florida do not meet Fannie Mae and Freddie Mac standards. Here is what makes a condo non warrantable, how condotel loans work and the Vail and Florida rules to check first. - [Bank Statement Loans in Colorado: How Self Employed Borrowers Qualify in 2026](https://joshlemos.com/bank-statement-loans-colorado/): A bank statement loan qualifies self employed buyers on 12 or 24 months of deposits instead of tax returns. Here is how the income is calculated, what lenders typically ask for and when a conventional loan is the better deal. - [Buying Your Next Home Before You Sell: A Move Up Buyer's Guide for Denver](https://joshlemos.com/buy-before-you-sell-move-up-buyer/): How move up buyers in the Denver area can buy their next home before selling: qualifying with two payments, HELOCs and bridge loans, the 2026 Fannie Mae rental income rules and the tax side of selling. ## Pages - [Opt-out preferences](https://joshlemos.com/opt-out-preferences/) - [Fixed Rate 2nd Mortgage](https://joshlemos.com/fixed-rate-2nd-mortgage/): Fixed Rate 2nd Mortgage Options Access available home equity with a fixed rate second mortgage that offers predictable payments, a set loan term, and funds for major expenses, debt consolidation, or financial flexibility. Start Your Mortgage Review Understanding Fixed Rate 2nd Mortgages What Are Fixed Rate 2nd Mortgages? A fixed rate 2nd mortgage is a […] - [Debt Consolidation 2nd Mortgage](https://joshlemos.com/debt-consolidation-2nd-mortgage/): Debt Consolidation 2nd Mortgage Options Use available home equity through a second mortgage to help consolidate higher interest debt into a clearer payment structure. Start Your Mortgage Review Understanding Debt Consolidation 2nd Mortgages What Are Debt Consolidation 2nd Mortgages? A debt consolidation 2nd mortgage is a loan that allows homeowners to use available home equity […] - [Non Warrantable Condo Loans](https://joshlemos.com/non-warrantable-condo-loans/): Non Warrantable Condo Loans Explore mortgage options for condos that may not meet standard conventional condo guidelines, including unique projects, investor concentration, or complex condo approval factors. Start Your Mortgage Review Understanding Non Warrantable Condo Loans What Are Non Warrantable Condo Loans? Non warrantable condo loans are mortgage options for condominium properties that do not […] - [Condotel Loans](https://joshlemos.com/condotel-loans/): Condotel Loans Explore financing options for condo hotel properties, including vacation style condos that may have hotel like features, rental management, or short term rental potential. Start Your Mortgage Review Understanding Condotel Loans What Are Condotel Loans? Condotel loans are mortgage options for condo hotel properties. A condotel is typically a condominium unit located within […] - [About](https://joshlemos.com/about/): About Josh Lemos Josh Lemos leads Lemos Group, powered by ARBOR Financial Group, serving home buyers and homeowners across California, Colorado, Florida, and Oregon, with a focus on the Greater Denver area and Vail. He helps first time home buyers, move up buyers, self employed borrowers, and clients using bank statement loan options compare mortgage […] - [DSCR Loans](https://joshlemos.com/dscr-loans/): DSCR Loans for Investment Properties Qualify for an investment property loan using the property’s rental income potential instead of traditional personal income documentation. Start Your Mortgage Review Understanding DSCR Loans What Are DSCR Loans? DSCR loans are mortgage options designed for real estate investors. DSCR stands for debt service coverage ratio, which compares a property’s […] - [1099 Income Mortgage](https://joshlemos.com/1099-income-mortgage/): 1099 Income Mortgage Options Review mortgage options for independent contractors, freelancers, and 1099 earners who may need flexible income documentation to qualify. Start Your Mortgage Review Understanding 1099 Income Mortgage Options What Are 1099 Income Mortgage Options? 1099 income mortgage options are home loan solutions for borrowers who earn income as independent contractors, freelancers, consultants, […] - [15 Year Fixed Mortgage Loans](https://joshlemos.com/15-year-fixed-mortgage-loans/): 15 Year Fixed Mortgage Loans Pay off your mortgage faster with a shorter loan term and the potential to reduce total interest paid over the life of the loan. Start Your Mortgage Review What Are 15 Year Fixed Mortgage Loans? What Are 15 Year Fixed Mortgage Loans? A 15 year fixed mortgage is a home […] - [30 Year Fixed Mortgage Loans](https://joshlemos.com/30-year-fixed-mortgage-loans/): 30 Year Fixed Mortgage Loans Choose a stable mortgage option with predictable monthly payments over a longer loan term, designed for buyers who want payment consistency. Start Your Mortgage Review Understanding 30 Year Fixed Mortgage Loans What Are 30 Year Fixed Mortgage Loans? A 30 year fixed mortgage is a home loan with a fixed […] - [DPA Loan](https://joshlemos.com/down-payment-assistance-loan/): Down Payment Assistance Loan Options Explore down payment assistance programs that may help eligible buyers reduce upfront costs and move closer to homeownership with more confidence. Start Your Mortgage Review First Time Home Buyer Loans What Are First Time Home Buyer Loans? First time home buyer loans are mortgage options designed to help new buyers […] - [Purchase](https://joshlemos.com/purchase/) - [Refinance](https://joshlemos.com/refinance/) - [Blog](https://joshlemos.com/blog/) - [Thank You](https://joshlemos.com/thank-you/): Thank You! 🎉 We’ve received your information, and we’re excited to help you explore your home loan options! - [Find My Best Mortgage](https://joshlemos.com/find-my-best-mortgage/) - [VA Home Loans](https://joshlemos.com/va-home-loans/): VA Home Loans for Eligible Borrowers Explore VA mortgage options for eligible veterans, active duty service members, and qualifying military families, including zero down payment options when available. Start Your Mortgage Review VA Home Loans What Are VA Home Loans? VA loans are home mortgages backed by the U.S. Department of Veterans Affairs for eligible […] - [USDA Loans](https://joshlemos.com/usda-loans/): USDA Loans The USDA loan program makes homeownership more accessible by offering zero down payment mortgages for eligible rural and suburban homebuyers. With low interest rates, flexible credit requirements, and reduced mortgage insurance costs, USDA loans provide an affordable path to buying a home. Find out if a USDA loan is right for you! Start Your Mortgage Review USDA Loans […] - [Self-Employed Borrowers](https://joshlemos.com/self-employed-borrowers/): Self Employed Mortgage Loans Explore mortgage options for business owners, entrepreneurs, contractors, and independent professionals with income that may not fit standard lending guidelines. Start Your Mortgage Review Personalized Mortgage Solutions for Self-Employed Borrowers What Are Self-Employed Mortgage Solutions? Self employed mortgage solutions are loan options and documentation strategies designed for business owners, freelancers, and […] - [Reverse Mortgage](https://joshlemos.com/reverse-mortgage/): Reverse Mortgage Reverse mortgages are for homeowners aged 62 or older and may allow you to access a portion of your home equity as a lump sum, monthly funds, or a line of credit while continuing to live in the home. We explain costs, responsibilities, and family considerations so you can decide with clarity. Start […] - [Renovation and Construction Loans](https://joshlemos.com/renovation-and-construction-loans/): Renovation and Construction Loans Whether you’re building a new home from the ground up or renovating an existing property, Renovation and Construction Loans provide the funding you need. These specialized loans cover materials, labor, and other construction costs, offering flexible financing options to turn your vision into reality. Start Your Mortgage Review Renovation and Construction Loans What Are Renovation […] - [Refinance Loans](https://joshlemos.com/refinance-loans/): Mortgage Refinance Loan Options Review refinance options that may help you adjust your rate, change your loan term, access equity, or improve your monthly payment structure. Start Your Mortgage Review Refinance Loans What Is Mortgage Refinancing? Refinancing replaces your current mortgage with a new loan that offers better terms, lower interest rates, or access to home equity. Homeowners […] - [Non QM Loans](https://joshlemos.com/non-qm-loans/): Flexible Mortgage Solutions Beyond Traditional Limits! Non QM Mortgage Loan Options Explore flexible mortgage solutions for borrowers who may not meet traditional conventional lending requirements. Start Your Mortgage Review Non-Qualified Mortgage (Non-QM) Loans What Are Non QM Loans? Non QM, meaning Non Qualified Mortgage, refers to loans that do not follow standard conventional or government […] - [Jumbo Loans](https://joshlemos.com/jumbo-loans/): Jumbo Home Loan Options Explore mortgage options for higher value homes that exceed conforming loan limits, with guidance built around your income, assets, and property goals.   Start Your Mortgage Review Jumbo Loan Programs What Are Jumbo Loans? Jumbo loans are home loans that exceed the conventional conforming loan limits set by Fannie Mae and […] - [Move Up Buyer Loans](https://joshlemos.com/move-up-buyer-loans/): Move Up Buyer Loans Plan your next home purchase with mortgage guidance for selling, upgrading, relocating, or moving into a larger property. Start Your Mortgage Review Understanding Move Up Buyer Loans What Are Move Up Buyer Loans? Move up buyer loans are mortgage options for homeowners who are ready to purchase their next property. These […] - [Investment Property Financing](https://joshlemos.com/investment-property-financing/): Build Wealth Through Smart Real Estate Investments! Investment Property Financing Compare mortgage options for rental properties, real estate investments, and income producing homes with guidance based on your investment goals. Start Your Mortgage Review Investment Property Financing What Is Investment Property Financing? Investment property financing provides mortgage options for buyers looking to purchase rental properties, vacation […] - [HELOC](https://joshlemos.com/heloc-home-equity-line-of-credit/): Home Equity Line of Credit Options Access available home equity through a HELOC for renovations, major expenses, investments, or added financial flexibility. Start Your Mortgage Review HELOC | Home Equity Line of Credit What Is a HELOC? A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their […] - [First-Time Homebuyer](https://joshlemos.com/first-time-homebuyer/): First Time Home Buyer Loans Made Clear Get clear mortgage guidance for your first home purchase, including loan options, down payment requirements, estimated payments, and next steps from application to closing. Start Your Mortgage Review First Time Home Buyer Loans What Are First Time Home Buyer Loans? First time home buyer loans are mortgage options […] - [FHA Home Loans](https://joshlemos.com/fha-home-loans/): FHA Home Loans With Flexible Guidelines Review FHA loan options with low down payment requirements, flexible credit guidelines, and clear support for eligible home buyers. Start Your Mortgage Review FHA Home Loans What Are FHA Home Loans? FHA loans are mortgages insured by the Federal Housing Administration, designed to make buying a home more accessible. […] - [Conventional Home Loans](https://joshlemos.com/conventional-home-loans/): Conventional Mortgage Loan Options Compare conventional loan options for qualified buyers and homeowners looking for competitive terms, flexible down payments, and a traditional mortgage path. Start Your Mortgage Review Conventional Home Loans What Are Conventional Home Loans? Conventional loans are mortgages that follow standard lending guidelines and are not backed by the government. They are […] - [Cash-Out Refinance](https://joshlemos.com/cash-out-refinance/): Cash-Out Refinance A cash out refinance lets you replace your current mortgage with a new one and take a portion of your equity as cash. It may be used for renovations, debt consolidation, or major expenses. We help you compare costs, payment impact, and alternatives so the strategy makes sense. Start Your Mortgage Review Cash-Out […] - [Bank Statement Loans](https://joshlemos.com/bank-statement-loans/): Bank Statement Loans Use personal or business bank statements to explore mortgage options when tax returns do not fully reflect your income. Start Your Mortgage Review Bank Statement Loans What Are Bank Statement Loans? Bank statement loans are a type of mortgage designed for self-employed borrowers, freelancers, business owners, and independent contractors who do not have traditional […] - [Adjustable-Rate Mortgages](https://joshlemos.com/adjustable-rate-mortgages/): Adjustable Rate Mortgages Explore ARM loan options that may offer a lower initial rate period and flexible mortgage terms based on your homeownership timeline. Start Your Mortgage Review Flexible Financing with Adjustable-Rate Mortgages What Is an Adjustable-Rate Mortgage? An Adjustable-Rate Mortgage (ARM) is a type of home loan where the interest rate remains fixed for […] - [Home](https://joshlemos.com/): Home Loans Made Clear for First Time Buyers, Move Up Buyers, and Self Employed Borrowers Josh Lemos helps home buyers and homeowners compare mortgage options with clear guidance across California, Colorado, Florida, and Oregon, with a strong focus on the Greater Denver area and Vail. Start Your Mortgage Review Josh Lemos Mortgage Broker NMLS: 278295 […] - [Apply Now](https://joshlemos.com/apply-now/) - [Mortgage Calculator](https://joshlemos.com/mortgage-calculator/): Mortgage Calculator Estimate your full monthly housing payment, loan cost, and payoff timeline. Home price Down payment Down payment type $ amountPercentage Loan amount Interest rate Annual percentage rate. Loan term 10 years15 years20 years25 years30 years Start month JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember Start year Advanced Options Annual property tax Property tax type $ per yearPercentage of home […] [comment]: # (Generated by Hostinger Tools Plugin)