Loan programs in Lakewood
DSCR Loans in Lakewood
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
InvestorFix and Flip Loans in Lakewood
A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.
InvestorDSCR Cash-Out Refinance in Lakewood
A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.
InvestorShort-Term Rental (Airbnb) DSCR Loans in Lakewood
A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.
Home loanBank Statement Loans in Lakewood
A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
Home loanFHA Loans in Lakewood
An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
Home loanFirst-Time Homebuyer Loans in Lakewood
First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.
Home loanVA Loans in Lakewood
A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.
Home loanCondo Loans in Lakewood
A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.
Neighborhoods in Lakewood
- Belmar
- Green Mountain
- Applewood
- Two Creeks
Why borrowers look at Lakewood
Lakewood is Denver's largest first-ring suburb, offering more space and relative value minutes from downtown. The Belmar district provides walkable mixed-use living, Green Mountain and Applewood offer established single-family neighborhoods with foothill views, and Red Rocks is practically next door. Families and move-up buyers who want Denver access without Denver prices concentrate here, keeping both purchase and rental demand steady. Prices sit below Denver proper but reflect the area's desirability. Insurance shoppers should note the wildfire interface along the foothills edge and the metro-wide hail exposure. The light-rail W Line connects Lakewood directly to downtown Denver, supporting commuter demand and walkable pockets around its stations.
Local market snapshot: Lakewood
| Median home value | $574,400City of Lakewood · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
|---|---|
| Median gross rent | $1,806/moCity of Lakewood · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
| Effective property tax rate | 0.51% (approx.)Jefferson County, effective rate (approx.) · Source: SmartAsset, Colorado Property Tax Calculator |
Homeowners insurance: Hail affects all of Lakewood, and homes near the foothills carry wildfire-interface risk. Defensible space, fire-resistant roofing, and roof age are the levers that move your premium; quote early.
Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.
Before you buy or refinance in Lakewood
- Pull the Jefferson County property tax bill early; it is part of every payment and DSCR calculation.
- Get an insurance quote before you lock a price.
- For rentals, check rent comps and any local rental registration or short-term rental rules in Lakewood.
- Colorado charges a small state documentary fee on deeds (1¢ per $100). Short-term rental rules vary sharply by city, so DSCR loans on STRs need a local permit check first.
Run the numbers
- DSCR Calculator
- Fix and Flip Profit Calculator
- Mortgage Payment Calculator
- Home Affordability Calculator
Other Colorado cities
- Denver
- Colorado Springs
- Aurora
- Fort Collins
- Thornton
- Westminster
- Pueblo
- Boulder
- Greeley
- Longmont
- Castle Rock
- Grand Junction
- Loveland
- Centennial
- Arvada
- Highlands Ranch
- Broomfield
- Commerce City
- Parker
FAQ
What loans can I get in Lakewood, CO?
Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).
Who assesses property taxes in Lakewood?
Jefferson County. Lenders include those taxes in the monthly payment used to qualify you.