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Downs Financial is a Better Business Bureau (BBB) Accredited Business and earned a grade of A+ through the BBB’s rating system.

You were great! We tried refinancing at two other banks but got denied. You were able to get us approved and we still got a low mortgage rate. I already told my brother to use you and you can expect more referrals from me. Thank you for everything.

Charles R, • Denver, CO


My family loves our new home. This is our first home and we appreciate you helping make this happen. We expected this to be a very tough process but you and your company were extremely nice. Your personal touch made this easy. Please enjoy the cookies!

Warren W, Columbus, OH

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Loan Programs

With so many loan choices, how do you pick the right one?  This section highlights the loans we offer at Downs Financial, so that you can compare and decide which one fits best into your financial future.

Fixed Rate Mortgages

Enjoy stable monthly payments.


  • Rate and payment fixed as a 30 year term but has a balloon payment at the end of 15 years (note comes due)

15, 20 and 30 year fixed

  • The rate is fixed for entire term of the loan offering stability throughout the entire term of the loan

Traditional ARMs (Adjustable Rate Mortgages)

Start with the stability of a fixed-rate mortgage then convert to the flexibility of an ARM.

2/28 ARM

  • 30 year mortgage with the interest rate fixed for 2 years and then can stay the same or adjust up depending on the market.  Offers the lowest interest rate right now.  Great for rebuilding your credit while getting the lowest rate available to you.

3/27 ARM

  • Same as above but rate is fixed for 3 years and then adjusts.

5/1 and 7/1 ARM

  • 30 year mortgages with rates fixed for 5 or 7 years.  Very common with jumbo size loans.

Jumbo home loans up to $3,000,0000

Home Equity loans (second mortgages)

  • Terms from 10 to 20 years including 30/15 (offers lowest payment available)



Downs Financial Offers the Best Home Loan Rates Online
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Downs Financial - 1159 S. Clayton St. Denver, CO 80210
Toll Free: 866-745-5989
Local: 303-370-7300

Downs Financial is a BBB Accredited Business. Click for the BBB Business Review of this Mortgage Brokers in Denver CO Proud member of the Better Business Bureau