Grand Junction Mortgage Experts — Backed by PRMG
When it comes to finding the right Grand Junction mortgage, it’s not just about rates—it’s about experience, flexibility, and trust. The JD.Mortgage team at Paramount Residential Mortgage Group, Inc. (PRMG) brings all three to the table. Lending in 49 states (excluding New York), our team works with first-time buyers, veterans, investors, and anyone needing a knowledgeable mortgage partner. Whether you’re financing a home in Grand Junction or beyond, we’re the go-to resource for personalized, strategic mortgage lending.
Why Work With the JD.Mortgage Team?
We specialize in getting loans done—especially the ones other lenders can’t. With a reputation for handling complex underwriting, self-employed borrowers, and low credit VA loans, we’re built to serve a wide range of borrower needs.
As a hybrid lender and broker, we’re able to offer in-house processing and funding when speed matters, and we also have access to outside investors when more flexibility is needed. That dual model means more options, better execution, and tailored solutions you won’t find at a traditional bank or online lender.
Mortgage Options for Grand Junction Homebuyers
Whether you’re buying your first home, investing in a rental, or moving up in size, we offer a full suite of mortgage products designed to fit your needs and goals:
- VA Loans: No minimum credit score, manual underwriting expertise, and deep knowledge of VA guidelines.
- FHA Loans: Flexible credit guidelines and low down payment options for first-time and returning buyers.
- USDA Loans: Zero down financing for eligible rural areas near Grand Junction.
- Conventional Loans: Ideal for borrowers with strong credit who want competitive rates and flexible terms.
- Jumbo Loans: Loans above conforming limits with custom structuring and strong rates.
- Down Payment Assistance: Explore available Colorado programs to help cover your upfront costs.
- Non-QM Loans: Great for self-employed borrowers, investors, and those with nontraditional income.
Serving Grand Junction Borrowers with All Credit Profiles
We believe in real human underwriting—not automated rejections. Many of our clients come to us after being turned down elsewhere, especially those with:
- Credit scores in the 500s
- Recent bankruptcies or foreclosure history
- High debt-to-income ratios but strong compensating factors
- Alternative income documentation (bank statements, DSCR)
We’re not here to fit you into a box—we’re here to build a loan around your unique situation.
Fast, Transparent Pre-Approvals You Can Count On
Our pre-approvals are fully underwritten, not just automated guesses. We issue approvals only after reviewing income, assets, credit, and relevant guidelines, giving you the confidence to make offers and move forward quickly.
Plus, we provide status updates every Tuesday and Friday so you’re never in the dark. Our clients, their agents, and their title companies always know exactly where things stand.
What Sets the JD.Mortgage Team Apart?
- Lending in 49 states (excluding NY)
- Direct lender + broker model = more flexibility
- Fast closings and full in-house support
- Expertise in manual underwriting & Non-QM loans
- Custom structuring for builders, investors, and DPA clients
We serve buyers, sellers, and agents throughout Grand Junction, the Western Slope, and beyond. Our systems are designed to support digital, secure closings with no geographic limits. Whether you’re working with a local Grand Junction real estate agent or relocating to the area, we’ve got you covered.
FAQs About Mortgages in Grand Junction
What is the minimum credit score to qualify for a mortgage in Grand Junction?
That depends on the loan type. For VA loans, our team accepts credit scores well below 600, including manual underwrites. FHA loans can go as low as 580 in many cases and even as low as 500 in some cases. Talk to our team to evaluate your specific situation.
Can I qualify for down payment assistance in Grand Junction?
Yes, there are several DPA programs in Colorado, including statewide and county-based options. We’ll help determine which programs you qualify for and how they can be layered into your financing.
Do you work with self-employed borrowers?
Absolutely. We specialize in alternative income documentation, including bank statement loans and asset depletion loans. We know how to structure self-employed scenarios for approval.
How fast can I close on a home?
Our average purchase closing time is 21 days or less. Fast closings depend on how quickly documents are submitted—but we’re built for speed.
Whether you’re buying your first home or expanding your portfolio, the JD.Mortgage team at PRMG is ready to help. [Start your pre-approval now.]