Loan Options
McCain Lending Solutions is a boutique mortgage company headquartered in Denver Colorado specializing in traditional and non-traditional mortgages.
Focused on VA, FHA, Conventional, Jumbo and DSCR loans.Finding the right home loan is one of the most important financial decisions you’ll make—and who you work with matters just as much as the loan itself. While banks can only offer their own limited products, working with a mortgage broker opens the door to a wide range of options tailored to your unique goals. Whether you’re a first-time buyer, refinancing, or navigating a more complex financial situation, a broker provides the flexibility, guidance, and access needed to secure the best possible financing solution.
Why Brokers are Better
Working with a mortgage broker gives you access to more options, better flexibility, and a more personalized experience than going directly to a bank. Instead of being limited to a single lender’s products, a broker shops multiple lenders on your behalf to find the best rates and loan programs for your specific situation. This is especially valuable if your financial picture isn’t “one-size-fits-all,” as brokers can match you with lenders who are more flexible on credit, income, or property type. In addition, a good broker acts as your advocate throughout the process—guiding you, communicating clearly, and helping avoid delays—so you can move forward with confidence and often secure a better overall deal.
Types of Loans We Offer
Fixed Rate Mortgages
Enjoy long-term stability with a fixed-rate mortgage. Your interest rate and monthly principal and interest payments stay the same for the life of the loan, making budgeting simple and predictable.
FHA Mortgages
A great option for first-time homebuyers, FHA loans are backed by the Federal Housing Administration and offer flexible credit guidelines, low down payments (as little as 3.5%), and fixed-rate terms.
Adjustable Rate Mortgages
ARMs offer a lower initial interest rate for a set period, followed by periodic adjustments based on market conditions. This can mean lower upfront payments and potential savings depending on your timeline.
VA Mortgages
Available to eligible veterans and active-duty service members, VA loans are backed by the Department of Veterans Affairs and offer benefits like no down payment, competitive rates, and flexible qualification requirements.
Conventional Mortgages
Conventional loans follow guidelines set by Fannie Mae and Freddie Mac and are ideal for borrowers with strong credit. They typically offer competitive rates and a variety of term options.
Jumbo Loans
For higher-priced properties that exceed conventional loan limits, jumbo loans provide the financing you need with flexible terms and competitive interest rates.
Non Traditional Mortgages
Non-traditional mortgage options are designed for borrowers who may not fit standard lending guidelines. These programs can include bank statement loans, asset-based qualification, or interest-only options—ideal for self-employed individuals, investors, or those with unique income situations.