Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month. A common myth is that monthly mortgage payments are more expensive than rent. In many cases, mortgage payments can be even less than rent.

Purchase Solutions Right For You!

Whether you’re buying your first home or you’re an experienced buyer, we have a home lending solution just for you.

Get a No-Obligation Rate and Closing Cost Analysis!

How much house you can afford

The first step toward finding the right home is to quickly compute your purchasing power and determine how much you can afford to pay each month. This saves you time by allowing you to focus on homes in your price range. In addition, in the planning stage, you should consider both the up-front and ongoing costs associated with purchasing a home.

Some up-front costs include:

Down payment:

Typically ranges from 3-30% of the cost of the house. The more you can put down, the greater equity you will have in your home and the lower your monthly payment will be. For down payments less than 20% you may also need to pay mortgage insurance.

Closing Costs:

Typically range from 2-6% of the loan amount depending on your area.

On-going Costs:

Your housing costs can include the following: monthly mortgage payment, homeowners insurance, mortgage insurance, flood insurance (if applicable), property taxes (if applicable), utilities, maintenance.


We just completed a refinance with DHA loan officer Jennifer Jones. It was a great experience! She made it pretty simple! Very happy with our new rate as well!

Katlyn Green

I moved here in 2010. This is my first house here in Colorado. When I purchased my house DHA was my financial service. I ended up refinancing last year with DHA, Alicia was great to work with. I was eligible to refinance for a lower rate this year. I had second thoughts because everyone is refinancing for the low rates. I worked with Alicia again and she assured me it would be painless. Alicia was right! She always had answers to my questions when I called her directly. She was available after hours and weekends. She is very knowledgeable, professional and kept me up to date throughout the whole process. I personally recommend DHA and Alicia Endley.

John Hernandez

We have done two fixed rate refinancings with DHA this year (2020). Rates kept falling and the costs are so low it made dollars and cents. We worked with Blasé on both loans. We now live in a large home on the San Diego coast for less that the rent of a two bedroom apartment.

DHA was quick, low cost, and very easy to deal with. We can and have recommended them to friends and family.
We and nobody we know is employed by DHA or gets ANY remuneration from DHA.

Paul l

Alicia and her team did a phenomenal job getting our mortgage closed before the end of the year. Just as we got through all the financial work and were days away from closing the appraiser made an unprecedented mistake on our appraisal which threaten to the kill the deal. Alicia fought to find a resolution to the mistake that had nothing to do with DHA. We always felt like we had an advocate on the inside we could trust to do battle for us.

To say I would recommend Alicia and DHA is an understatement. Plenty of people can process a loan, DHA showed they can handle the unexpected and the unprecedented and still get it done.

Michael Cibelli

Tyler Johnson and the DHA team made our refinance an easy experience, with our goal of lowering our mortgage rate. Thank you, DHA!

Mark Kilfoile
Linda McFann

I wanted to refinance my home since interest rates are low right now. Jose Martinez helped me so much! I am not a financial wizard, but Jose walked me through every step of the way. He was knowledgeable and so patient!

Terri Richardson

Best to work with DHA

Edward Henry

Blase is a delight to work with and very timely.

Vickie Maybury

Blase went out of his way to help us get our home. Numerous times more and more information was required. He helped keep us on schedule. Thanks Bob

Robert and Kathy Payne

This transaction was not only a journey but a labor of love. The courtesy education and professionalism given to us was beyond exceptional and stands second to none. Steffani treated us like family educated us during the process and provided much needed insight and care as this transaction was full of peaks and valleys. DHA Financial has earned our business and loyalty on our future endeavors as well.
Thank you for your participation in materializing A dream.

The Rankin Family.

Mr. Rankin


Valerie Glenn

We just closed on our home today and worked with DHA Financial the whole way. Danny, our initial contact, was attentive, helpful, and responsive from our first inquiry. His other team members we worked with were also friendly and quick to respond to emails. The only slight complaint is how the approval process felt drawn out with ongoing, and sometimes unclear, requests for documentation. However, I’m not sure if this is a direct complaint with DHA or just the process of loan approval in general. The best, and most important part, is that Danny and his team got us a great interest rate for our loan with comparable closing costs. We would definitely use DHA in the future and recommend them to others.

Stacy Forget

James was great about keeping up with us and about trying to get our business. He went out of his way to try to make our experience as positive as possible.

Christy Moore
Juan Serrato

This is the best company I’ve worked with. Professional and prompt – I recommend them without reservation.

Jamison Liggett

The whole process was extremely easy. Jennifer made everything very easy. They were great with communication, follow up, and very knowledgeable.

Kyle Guenther