How to Choose a Housing Loan

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We here at K2 Lending are asked often, "how do you choose a housing loan?" This is quite understandable since there are so many options available in today's marketplace. While this is always a good thing since it gives potential homeowners the ability to find the perfect housing loan for them, it can be quite confusing.

The mortgage lenders at K2 Lending based in Denver are here to help. We have spent years helping homeowners obtain the perfect mortgage for them. Combined with our industry-leading expert knowledge and our network of over 30 banks to draw from, you can rest assured that when you partner with us, you'll have an affordable housing loan you'll love. Contact us to get started today!

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Conventional Mortgages

A conventional mortgage is one of the most popular types of housing loans for homebuyers. These usually come in 30- or 15-year fixed-rate mortgages. These loans usually require a down payment, but they offer a fixed payment amount and interest rate for the life of the home loan.

Adjustable-Rate Mortgages (ARMs)

Adjustable-Rate Mortgages offer lower interest rates at the beginning of your home loan for a fixed term, but then after that term expires, the interest rate and the monthly payment will adjust based on current interest rates.

FHA Loan

Backed by the federal government, FHA loans are extremely popular amongst first-time homebuyers. The down payment amount is smaller than for a conventional mortgage. However, they have stricter max lending amounts and aren't very flexible for unique homebuyer situations.


  • Consider all of the types of mortgages listed above. When looking for a home loan, you'll want to consider the type of loan that will work for you. Are you looking for a fixed rate? Do you want a home with an adjustable rate? How much down payment do you have saved? All of these will be factors when looking for a housing loan in the Denver area.
  • Find the perfect mortgage lender. When it comes to choosing a mortgage lender that you can trust, you'll want one who is more motivated to work for you and who cares more. Closing on time, having the paperwork in order, and being available personally for questions makes a huge difference in your mortgage lending experience. K2 Lending is your choice for a mortgage lender in Denver. Contact us today!
  • Low closing costs and fees. Many homebuyers don't pay much attention to their closing costs and/or fees because this is often rolled into the loan amount and financed. However, over the course of time with interest, these fees can add thousands of dollars to the life of your loan. When looking for a housing loan, remember to investigate the fee structure as well.


Having a trusted partner to help you navigate the mortgage lending process can be the difference between a great home loan experience and a lackluster one. Since purchasing a home is such a huge financial undertaking for most people, you want a mortgage lender who will work hard to find you the right mortgage. While, in general, there are major types of mortgages as we discussed above, there are many different nuances and variances that can work for you. Your mortgage lender should be attentive to your questions and needs and be organized so that there is no delay in your home purchase. Call today to get started!


K2 Lending has been a leader in the mortgage lending industry in Denver since 2003. With our over 50 years of combined mortgage lending experience, we can help you find the perfect home loan. We offer high-quality financial solutions in a timely manner. We are transparent with our clients and present them with all of the available home loan options, while offering our recommendation on which we believe would be best. We treat you like family, and our first priority is ensuring your home loan makes sense for you and will work for you in the long term. We make sure your home loan is affordable and won't lead to financial hardships down the road. Our passion for excellence and our customers puts us head and shoulders above our competition. If you are interested in working with the K2 Lending team in Denver, reach out for a free consultation today!