First Time Buying a home?

I am here to help

I am here to pay for your Closing Costs &

The 1st time Homebuyers Education Classes!

Now offering restoration loans- Ask me how it works!

Thank you for trusting Team Focosnow and the Real Estate Workshop for the biggest and most fun purchase of your lifetime …. so far! There are options for everybody and as a first-time buyer gift I would love to pay for your closing costs and any education class needed for 1st time buyers Credits.
Click here for Colorado Housing and Finance Authority  .


Purchasing a home can be scary, filled with uncertainty, unfamiliar realtor jargon and more. It is my position and experience that anyone can purchase a home on Northern Colorado with the proper guidance, credit counseling, loan selection, lender match and of course Team FocoSnow.

Below is a brief description of loans that might be available to you. 

CHFA first-time home buyer loan programs - Minimum $1,000 in to purchase.

Using a network of participating mortgage lenders across the state, CHFA offers purchase loans, as well as down payment and closing cost assistance. Program availability and eligibility requirements vary; contact a CHFA participating lender to learn more about which programs could suit your situation.



  • Have a 620 minimum credit score.
  • Complete an in-person or online CHFA home buyer education course.
  • Meet income limits, which vary by location andhousehold size.
  • Make a minimum financial contribution of at least $1,000.
  • Meet the qualification requirements of a CHFA participating lender- differ from lender to lender.


  • Down payment assistance that works with both conventional & FHA loans.
  • Income limits: YES (based on family size).
  • Available for all areas in Colorado.
  • Borrower’s credit score will determine whether we use Conventional vs. FHA.
  • Borrower must have at least $1,000 into the transaction (can get any additional earnest money back at closing).
  • Mortgage Insurance: YES.

*This is a GRANT program, so the down payment assistance funds do not need to be re-paid – And FocoSnow will pay your closing costs!

VA loans- Zero down is an option.

Guaranteed by the U.S. Department of Veterans Affairs, these mortgages are available to military members, veterans, and surviving spouses. If you qualify, you will see benefits such as no minimum credit score and no down payment or mortgage insurance, but you will likely have to pay a VA funding fee.

Loan limits may apply. You can use this VA benefit as many times as you want but with only one home at a time! I can explain more if interested.

USDA loans - Location specific.

National program.


Development Guaranteed Housing Loan Program. There are income limitations, which vary by region. Applicants with credit scores of 640 or higher receive streamlined processing. Those with scores below that must meet more stringent underwriting standards. 


Target Areas:  Wellington, Johnstown, Firestone, Milliken, Laporte, Eaton and Western Plains.


Link to determine if a property is in an eligible area:

FHA loans- 3.5% minimum down.

National program.


This is the go-to program for many first-time home buyers with lower credit scores. The Federal Housing Administration allows down payments as low as 3.5% for those with credit scores of 580 or higher. The FHA will insure loans for borrowers with scores as low as 500 but requires a 10% down payment for a score that low. Mortgage insurance is required for the life of an FHA loan and cannot be canceled. Read Less

Conventional mortgage - 3% down minimum for 1st time buyers.

National program.


First-time home buyers can get a conventional home loan with as little as 3% down if the mortgage meets requirements set by Fannie Mae and Freddie Mac. And if you put at least 20% down, you won’t have to pay mortgage insurance. Most lenders require a minimum credit score of 620 to qualify for a conventional mortgage, but a score around 740 earns you the best interest rates. 

Jumbo loans– 10-20% down programs for lower rate.

For loan amounts over $417K, these loans will go up to 3 Million and generally require 20% down, but there are programs that will allow 10-15% down.


Requires higher credit scores and low debt ratios.

Cash buy- 100% down.

12-day closing! Waive appraisal!

Contact Information:

Office Phone number: (970) 999-5723

Cell: (970) 691-SNOW


Adam Snow, CTA | LICENSE: 100068407
Broker: The Real Estate Workshop
Executive Director: FoCo Snow Charities
General Manager: Steak-Out Saloon