VA Loans
The benefit you earned: zero down payment options, no monthly mortgage insurance, and a Certified Veterans Lending Specialist who reads your entitlement like a second language.
Most popular with our heroes
Colorado Heroes Homeownership Center
Helping Colorado Heroes Achieve the Dream of Homeownership
You show up for Colorado every day. When it's time to buy a home, Lisa Lessard shows up for you.
or call (303) 883-7688
30+ Years of Mortgage Lending
Certified Veterans Lending Specialist
Homes for Heroes Affiliate Lender
Locally Owned, Elizabeth CO
CHFA Approved Lender
NMLS Licensed
In-House Underwriting
Soft Credit Inquiries Available
Homes for Heroes
Affiliate Lender
Who we serve.
If you serve the community, this center was built for you. Hero savings apply to buying and selling.
Veterans
Active Duty Military
National Guard & Reserve
First Responders
Law Enforcement
Firefighters
EMS
Teachers
Healthcare Professionals
Teachers welcome
Loan programs for every kind of hero.
USDA country
FHA
Flexible credit requirements and lower down payments for first-time buyers.
Conventional
Competitive terms for strong credit profiles and straightforward purchases.
USDA
Zero down options for homes in eligible rural Colorado communities.
Down Payment Assistance
CHFA and program specific help to shrink the biggest hurdle.
Ground up builds
Construction Loans
Build from the ground up with financing that follows the build.
Manufactured Home Financing
A Banner specialty most lenders will not touch.
Acreage Financing
Room to breathe: land and property loans for rural living.
Mountain builds
Jumbo Loans
Financing beyond conforming limits for larger purchases.
Bank Statement Loans
Qualify with real cash flow instead of W-2s.
DSCR Loans
Investment property lending based on rental income.
How Homes for Heroes savings work.
Buying or selling as a hero comes with a rewards program built for you, on top of the same full service every Banner Mortgage client receives.
1
Tell Lisa you're a hero.
A quick conversation confirms you qualify and connects you with Homes for Heroes affiliate specialists.
2
Buy or sell as usual.
You get the same full service, plus a lending specialist who works with hero programs every week.
3
Receive Hero Rewards.
After closing, you receive your Homes for Heroes savings. Lisa explains the exact amount for your purchase up front.
Why heroes choose Banner Mortgage.
Local and personal.
Locally owned and operated in Elizabeth, Colorado. Personalized one-on-one service and in-person meetings at the same office Lisa has kept for 30+ years. You get local Colorado expertise, not a call center.
Specialty expertise.
Manufactured home financing specialist. Construction loan expertise. Acreage financing for rural living. If your dream home is unconventional, you're in exactly the right office.
A smoother process.
In-house underwriting keeps decisions fast and close to your file. Soft credit inquiries let you explore options without touching your score. Competitive financing options across every major program.
Education first.
Over 30 years of experience distilled into plain answers. You'll understand every choice before you make it. That's how first-time buyers become confident homeowners.
Start your Hero savings conversation.
Five fields, one business day, zero pressure. Lisa reviews every inquiry personally.
Prefer to talk now?
(303) 883-7688
Questions heroes ask.
Can I have more than one VA loan?
In many cases, yes. VA entitlement can be restored or split, so some veterans hold two VA loans at once or reuse the benefit after selling. Lisa walks through your Certificate of Eligibility with you and explains exactly what your entitlement allows.
How do Homes for Heroes savings work?
When you buy or sell with Homes for Heroes affiliate specialists, including an affiliate lender like Banner Mortgage, you receive Hero Rewards savings after closing. The amount depends on your transaction; Lisa explains what your purchase would qualify for before you commit to anything.
Can I buy a manufactured home with a VA loan?
Yes, VA loans can finance manufactured homes that meet requirements such as a permanent foundation and proper title classification. Manufactured home financing is one of Banner Mortgage's specialties, so this is familiar ground.
What down payment assistance programs are available?
Colorado buyers have options including CHFA programs, for which Banner Mortgage is an approved lender, plus program-specific assistance depending on your situation. An education-first conversation with Lisa maps out which ones fit you.
Can I buy acreage?
Yes. Acreage financing is a Banner Mortgage specialty, and depending on the property and location, USDA and other rural-friendly programs may apply. Bring the listing and Lisa will tell you what's realistic.
What credit score is needed?
It varies by program; VA and FHA loans are more flexible than many buyers expect. Banner Mortgage offers soft credit inquiries, so you can find out where you stand without affecting your score.
What documents are required for pre-approval?
Typically a photo ID, two years of W-2s or tax returns, recent pay stubs, and bank statements. Nothing is required for the first conversation; Lisa will give you a simple checklist tailored to your loan program.
More hero resources are coming to this center: homebuyer guides, market updates, and community events.
What clients say.
Verified reviews from real Banner Mortgage clients, straight from Experience.com and Google.
Verified Experience.com and Google reviews from Banner Mortgage clients display here on the live bannermortgage.net site. The live review feed is turned off for this preview.