Mortgage Programs

The following is a partial list of programs offered by TST Financial Inc. with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 970-222-0816.


Conventional Fixed Rate Mortgages (FRM)

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements. Available terms generally range from 10 years to 30 years. Request a free no obligation Purchase Quote by following this link: Purchase Quote

Refinance Mortgage Loans

Homeowners looking to decrease their interest rate may consider refinancing. A refinance calls for the homeowner to obtain another mortgage loan. Those funds are then used to pay off the original mortgage loan and the homeowner is then bound by the terms of the new mortgage. Depending on your situation a refinance loan could be a great option. Along with decreasing your interest rate, refinance loans can also help you switch from an ARM to a FRM, and in some cases reduce your loan term. Request your free Refinance Quote by following this link: Refinance Quote

FHA Mortgage Loans

FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don’t have enough funds to pay a traditional 20 percent down payment because they only require 3.5 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments. Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development. Please contact us today to find out if a FHA loan is right for you. Or request a no obligation FHA mortgage quote by following this link: FHA Mortgage Quote

VA Mortgage Loans

Like FHA loans, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences. For information on qualifying for the VA loan program get started here.

USDA RD Guaranteed Loan

The Section 502 USDA RD (Rural Development) Guaranteed Loan provides low and moderate income households the opportunity to own a primary residence in eligible areas with 100% financing. Applicants must meet income eligibility requirements, agree to occupy as a primary residence and be a U.S. Citizen, U.S. non-citizen national or a Qualified Alien.  This program is offered to help low and moderate income households living in rural areas make homeownership a reality, which is turn creates thriving communities and improves the quality of life in rural areas. Determining eligibility and qualification is quick and easy, request your free quote by following this link:  USDA RD Guaranteed Loan 

Reverse Mortgage Loans

Reverse mortgage loans, also known as reverse equity loans, are only available to homeowners 62 or older. Like its name indicates, this program pays the homeowner either a one-time large payout or monthly installment. Once the loan term expires the house either becomes the property of the lender or the house can be sold to repay the debt. Reverse mortgage loans are great options for seniors looking to increase their monthly incomes. Contact us for more details or request a Reverse Mortgage quote without obligation following this link: Reverse Mortgage Quote

Land & Construction Loans

Land loans help finance the purchase costs of undeveloped or raw land, in some cases with limited improvements.  These loans generally require a down payment and appropriate borrower qualifications. 

Construction loans are used to finance the construction of a new structure. Whether you’re interested in building a brand new home for you and your family or you’re looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you’re looking to construct.

One-Time Close or Single-Closing construction loans can be used to simplify the process by combining land + construction loans, construction + permanent financing, or even land + construction + permanent financing. 

For help with questions about your specific situation or to learn more, please use our contact us form or if you prefer to speak by phone call 970-222-0816.  Voice messages will be promptly returned.

Jumbo Loans

A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than $726,200 (2023). Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates, but not always. Learn more about jumbo loans by following this link: Jumbo Loans

Adjustable Rate Mortgages (ARM)

Adjustable rate mortgages are loans where the interest rate is recalculated, usually following a set fixed peiord. As interest rates are adjusted so is the borrower’s monthly payment. While interest rates on ARM loans are generally lower than fixed rate loans they can eventually become higher. Various types of ARM loans include Hybrid ARMs such as 10/1 year, 7/1 year, 5/1 year and 3/1 year programs. These loans may carry additional risks for borrowers, contact us for more information on adjustable rate mortgage loans.

Home Equity Loans

Home equity loans (also known as a second mortgage) allow homeowners to access equity on an already mortgaged property. Home equity loans are typically reserved for those looking to pay down debt, improve the home, purchase another home, start a business or pay tuition. Most lenders restrict the maximum equity accessed, typically a combined loan to value ratio of 90% or less. Interest rates on home equity loans are generally higher than conventional loans. A Home Equity Line Of Credit (HELOC) usually includes a draw preiod followed by a repayment period. Please contact us if you’re interested in a home equity loan.   

Purchase Quote

Refinance Quote

VA Mortgage Quote

FHA Mortgage Quote

USDA Mortgage

Reverse Mortgage

First Time Buyer

Jumbo Mortgage

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