Chris Cartwright helps Westminster homebuyers, veterans, and investors make confident financing decisions, not just get approved.
First-time buyers, move-up buyers, veterans, self-employed borrowers and real estate investors. If the decision matters, strategy matters.
I don't just quote rates and take applications. I structure financing around your goals, cash position, offer strength, future optionality and long-term wealth.
"He solves problems early, communicates better than most lenders and I never have to babysit the file."
Three Point Mortgage LLC · Company NMLS #2364254 · 11990 Grant St Suite 570, Northglenn CO 80233
Westminster has become one of the most active real estate markets in the Denver metro. With easy access to both downtown Denver and the mountains, strong rental demand, and a growing investor presence, the financing decisions buyers and investors make here carry real weight.
I work with Westminster buyers across the full range of loan types, from first-time buyers using CHFA assistance to investors financing DSCR rental properties in the Westminster Station area and beyond. The difference between a broker who processes applications and one who thinks through your strategy can translate to tens of thousands of dollars over the life of a loan.
Westminster attracts a wide range of buyers and investors. Here are the loan types I work with most often in this market.
Best for buyers with solid credit and savings. Down payments from 3% with the most competitive wholesale rates for qualified borrowers.
Zero down payment for qualifying veterans. Westminster's proximity to Buckley Space Force Base makes this one of the most-used loan types in the area.
3.5% down with a 580 credit score minimum. A strong option for first-time buyers in Westminster's entry-level price range.
Up to 3% toward down payment and closing costs. Many Westminster buyers qualify and don't know it. Income limits are higher than most expect.
Westminster has strong rental demand and positive cash flow potential in several neighborhoods. DSCR loans qualify based on property income, not your W-2.
For Westminster purchases above the conforming loan limit. Competitive wholesale rates that retail banks typically can't match.
Westminster sits directly between Denver and Boulder of several trends that make it worth paying close attention to right now. The location between Denver and Boulder has made Westminster one of the most practical choices for buyers who want access to both cities without paying either city's prices.
For first-time buyers, Westminster offers strong value with easy access to both Denver and Boulder, making it one of the most strategically located communities in the metro. CHFA assistance can make a meaningful difference here, covering most or all of closing costs on purchases in the $400,000-$550,000 range where many Westminster entry-level homes are priced.
For investors, Westminster's rental market is one of the strongest in the metro. Single-family and small multifamily properties in the Bradburn, Legacy Ridge, and Standley Lake areas consistently attract tenants. DSCR loans are worth running the numbers on for the right property.
For VA buyers, Westminster's proximity to Buckley Space Force Base makes it a natural target. Zero down with competitive wholesale rates is an extremely powerful combination in this price range.
Licensed in Colorado, I work with buyers throughout Westminster and the surrounding west Denver metro.
A 15-minute call is all it takes to know exactly where you stand and what your best move is.
Or email chris@threepointmortgage.com · Available Mon, Sun
Chris Cartwright is a Denver-area mortgage broker licensed in Colorado, Washington, Texas, California, Arizona, and Florida. He specializes in helping homebuyers, veterans, investors, and self-employed borrowers make smarter financing decisions across the Denver metro and Front Range.