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

Call 800-525-9623 to discuss other home loan options with one of our expert lenders.

Apply today or check your application status at


CHFA Mortgage Assistance Program

As a Colorado Housing and Finance Authority (CHFA) Participating Lender, Ent supports affordable financing options for first-time homebuyers. Visit to see if you meet the low-to-moderate income and resident qualifications for the CHFA Mortgage Assistance Program.

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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.