Dan Graner

Sr Mortgage Master

NMLS# 1741084

970-455-1008

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3½% Down FHA

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≥700 FICO FHFA 20% Down

≥680 FICO FHFA 20% Down

≥660 FICO FHFA 20% Down

≥640 FICO FHFA 20% Down

≥620 FICO FHFA 20% Down

≥780 FICO FHFA 15% Down

≥760 FICO FHFA 15% Down

≥740 FICO FHFA 15% Down

≥720 FICO FHFA 15% Down

≥700 FICO FHFA 15% Down

≥680 FICO FHFA 15% Down

≥660 FICO FHFA 15% Down

≥640 FICO FHFA 15% Down

≥620 FICO FHFA 15% Down

≥780 FICO FHFA 10% Down

≥760 FICO FHFA 10% Down

≥740 FICO FHFA 10% Down

≥720 FICO FHFA 10% Down

≥700 FICO FHFA 10% Down

≥680 FICO FHFA 10% Down

≥660 FICO FHFA 10% Down

≥640 FICO FHFA 10% Down

≥620 FICO FHFA 10% Down

≥780 FICO FHFA 5% Down

≥760 FICO FHFA 5% Down

≥740 FICO FHFA 5% Down

≥720 FICO FHFA 5% Down

≥700 FICO FHFA 5% Down

≥680 FICO FHFA 5% Down

≥660 FICO FHFA 5% Down

≥640 FICO FHFA 5% Down

≥620 FICO FHFA 5% Down

≥780 FICO FHFA 3% Down

≥760 FICO FHFA 3% Down

≥740 FICO FHFA 3% Down

≥720 FICO FHFA 3% Down

≥700 FICO FHFA 3% Down

≥680 FICO FHFA 3% Down

≥660 FICO FHFA 3% Down

≥640 FICO FHFA 3% Down

≥620 FICO FHFA 3% Down

≥780 FICO FHFA 3% Down+DPA

≥760 FICO FHFA 3% Down+DPA

≥740 FICO FHFA 3% Down+DPA

≥720 FICO FHFA 3% Down+DPA

≥700 FICO FHFA 3% Down+DPA

≥680 FICO FHFA 3% Down+DPA

≥660 FICO FHFA 3% Down+DPA

≥640 FICO FHFA 3% Down+DPA

≥620 FICO FHFA 3% Down+DPA

≥660 FICO 3½% Down FHA Rates

≥640 FICO 3½% Down FHA Rates

≥620 FICO 3½% Down FHA Rates

≥600 FICO 3½% Down FHA Rates

≥580 FICO 3½% Down FHA Rates

≥660 FICO 0% Down VA Rates

≥640 FICO 0% Down VA Rates

≥620 FICO 0% Down VA Rates

≥600 FICO 0% Down VA Rates

≥580 FICO 0% Down VA Rates

≥660 FICO 5% Down VA Rates

≥640 FICO 5% Down VA Rates

≥620 FICO 5% Down VA Rates

≥600 FICO 5% Down VA Rates

≥580 FICO 5% Down VA Rates
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Blog Posts:

Inheriting Property with Siblings
Buying a Property with Existing Tenants
Wishing you a Happy Thanksgiving!
VA Housing Grants for Disabled Veterans: Adapting Homes for Independence
Understanding Mortgage Liens and Property Encumbrances
Joint VA Loans: Combining Forces for Homeownership
Are HELOC Interest Payments Tax Deductible?
Will Home Prices Drop? Understanding Real Estate Market Trends
Happy Veterans Day!
How Your Credit Score Affects Your Mortgage
Is a 30-Year Mortgage Right for You?
Understanding Your Mortgage Maturity Date
Happy Halloween!
Understanding Your True Monthly Mortgage Cost in 2025
Is Now the Right Time for a Home Equity Line of Credit?
Combination Mortgages: Eliminate Private Mortgage Insurance
The First-Time Homebuyer's Complete Guide
Should You Use Your 401(k) for a Home Down Payment?
Understanding Mortgage Closing Costs
Home Buying Programs for Teachers: Your Path to Affordable Homeownership
VA Loans: Your Qualification Guide
What Is a Cash-In Refinance?
A Mortgage Tax Credit That Could Save You $2,000 a Year
Mortgage Basics for First-Time Home Buyers
Does Refinancing your Mortgage Make Sense?
Remembering the Lives Lost on 9/11
Why Buying a Duplex Makes Financial Sense
Tips for Short-Term Rental Success
The Mortgage Spread is Shrinking
Applying for a Mortgage: Fixed or Adjustable Rate?
Tips to Get a Lower Rate on a VA Loan
Funding Energy-Efficient Home Improvements
Force-Placed Insurance: The Costly Mistake Every Homeowner Should Avoid
Six Essential Tips for Buying a Vacation Home
Is it Better to Buy or Rent?
VA Loans are a Great Option for Veterans and Active-Duty Members
Learn More about Home Renovation Loans
Should you Hire a Real Estate Attorney When Buying a Home?
Explaining the Mortgage Contingency Clause
The Difference between Appraised Value and Market Value
The Changing Tides of the Housing Market
DIY Home Improvements: When to Do It Yourself and When to Call the Pros
Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations
Cap Rate: Your Key to Smart Rental Property Investing
A Guide to Using a Home Equity Loan for an Investment Property
Happy 4th of July from Apex Mortgage Brokers!
Why Some Veterans Choose Conventional Loans Over VA Loans
What's the Perfect Interest Rate?
The Mortgage Revolution: How AI is Shaking Things Up
Foreign Buyers Retreat: A Silver Lining for U.S. Homebuyers?
What's Rent-vesting and Can It Help Me Become a Homeowner?
Can You Use Your VA Loan Again After It's Been Assumed?
Facing Foreclosure? Here’s What You Can Do Now
How to Buy a HUD Home: A Complete Guide
Should You Hold Out for Lower Interest Rates Before Buying a House?
More Borrowers Are Putting 20% Down - Should You?
Where Do Mortgage Lenders Get Funds for Home Loans?
How to Buy a Home at a Government Auction
What Are the Financial Benefits of Owning a Home?
Buying a Home when you have Student Loans
Understanding VA Loan Occupancy Requirements
5 Highly-Effective Habits of Successful Homebuyers
Why You Should Definitely Do a Pre-Settlement Walkthrough
VA Construction Loans: Your Ticket to Home Sweet Home
The Pros and Cons of Buying a Historic House
PMI vs MIP: What You Need to Know Before Buying a Home
5 Tips for Buying a Home When Interest Rates are High
How Parents Can Help Their Children Prepare to Be Homeowners
Why Hazard Insurance Matters When You’re Buying a Home
Real Estate Crowdfunding – Investment Friend or Foe?
Am I Too Young For a Mortgage?
Understanding Private Mortgage Insurance
The Pros & Cons of Buying a Foreclosure
The Housing Market from a Generational Point of View
VA Loans: Your Top Questions Answered
Balloon Mortgages for Investment Properties: A High-Risk, High-Reward Strategy
How to Challenge a Low Home Appraisal
Important Things to Know Before Purchasing a Home with Solar Panels
Buying a House? Don't Forget About Schools!
Step-by-Step Guide to Buying a Home Out of State
Your Step-by-Step Guide to the Homebuying Process
Understanding the Underwriting Process in Home Buying
How to Know If You’re Ready to Buy a Home: Key Considerations
Tips for Negotiating Home Prices
5 Ways to Buy a Home With No Down Payment
A Guide to Financing and Buying a Condo
Unlocking the Power of Home Equity
3-2-1 Buydown Mortgage Loans
Your Guide to Saving for a Down Payment
Why Your Credit Score Matters When Buying a House
Unlock Your Home’s Potential with a Fixed-Rate HELOC
FHA Gift Funds: Unlocking the Door to Your New Home
Wishing Your Family a Wonderful Holiday Season 🎄🎁 🏡
Higher Loan Limits for 2025 Announced
Non-QM Loans: Flexible Home Financing for Self-Employed & Investors
The Inside Scoop on the Top 5 Mortgage Loan Types
How Long is a Mortgage Pre-approval Good For?
Key Questions to Ask Your Mortgage Lender
Understanding Sales Price vs. Appraised Value in Real Estate
Preparing for Your First Mortgage Payment: Key Details to Know
Is FHA Streamline Refinance Right for You?
Should You Buy a Condo Vacation Property?
The Rise of Single Women Homeowners: Tips for Navigating the Journey
A Simple Guide to First-Time Homebuyer Programs
How Self-Employed Individuals Can Secure a Mortgage with Confidence
Understanding the VA Loan: How Many Times Can You Use It?
Understanding Mortgage Rates: A Guide for First-Time Homebuyers
Top Reasons to Refinance Your Home: Key Benefits to Consider
Refinance Your Home, Even if You Have Limited Equity
A Strategic Approach to Adjustable-Rate Mortgages
Home Equity Loans vs. HELOC: Which is Right for You?
How High Balance Loans Can Help You Afford a Home in Expensive Markets
Housing Assistance Programs for Veterans
A Guide to Freddie Mac CHOICERenovation Loans
How Veterans Can Benefit from the VA Loan Streamline Refinance (IRRRL)
Unlocking Real Estate Potential with HELOCs
Shared Equity vs. Traditional Loans: What’s Better for Homebuyers?
Can You Afford to Buy a Vacation Home?
Mortgage Options For Single Parents
Mortgage Co-signers : A Strategic Partnership for Homebuyers
Pros and Cons of No-Down Payment Loans

Apex Mortgage Brokers

16 Linden Lane
Breckenridge, CO 80424

970-455-1008

NMLS: 1731285

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