First-Time Home Buyer

First-Time Home Buyer Program

Your home ownership goal may be within reach.

It can be hard to save enough money for a full down payment on your first home. To make your home ownership goals more reachable, we’ve developed a first-time home buyer’s program that doesn’t require a 20% down payment. The program gives you a fixed loan and requires as little as 3% down so you can move into your home sooner.

We offer a 30-year term as part of the First-Time Home Buyer Program.


  • Available to those who haven’t owned a home in the past three years
  • Lower down payment options
  • Lower mortgage insurance premiums

Talk to one of our expert lenders to discuss other home loan options or

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CHFA Mortgage Assistance Program

As a Colorado Housing and Finance Authority (CHFA) Participating Lender, Ent supports affordable financing options for first-time homebuyers. CHFA may be a good choice for you if you meet the low- to moderate-income and resident qualifications.

Standard credit qualifications apply. All loans are subject to final credit approval. Please consult your tax advisor, as interest paid on these loans usually is tax-deductible. Financing on homes in Colorado. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consult a tax adviser for further information regarding the deductibility of interest and charges.