Loan Option

Integrity Lending Solutions offers the standard 30, 25, 20, and 15-year fixed loans you may be familiar with, but we also offer flex term loans allowing you to customize your loan. You can choose a fixed term from anywhere between 8 and 30 years.
If you are in a 30-year loan and only have 27 years left we can put you into a 26-year fixed term so you don’t lose any interest you’ve already paid. We can tailor fit your term on a Home purchase or refinance using a conventional or FHA loan.
On top of that we are fast! We can close your loan within 30 days and in most cases in less than a few weeks!
Conventional Loans:
Home Purchase (quick turn times and low-down payments)
One month’s rent could get you into your dream home, that is because we offer a 1% down payment program. You put down 1% and your lender contributes 2% or up to $5,000 giving you 3% equity in your home, then you finance the rest using a conventional loan.
  • 30 Year Fixed
  • 15 Year Fixed
  • Flex Term Fixed
  • Refinance Loan
  • Rate and Term (lower your interest rate)
Cash out, debt consolidation (pay off some debt or home improvements) 30 Year Fixed
15 Year Fixed
Flex Term Fixed
FHA Loans:
Home Purchase
Minimum down payment of 3.5% per the Federal Housing Authority
Refinance Loan:
Allows you to use more equity in your home that a conventional loan to pull cash out or refinance a higher balance.
Streamline refinance
In most cases no appraisal required and we must lower your interest rate housing this program.
VA Loans:
Home Purchases
Refinances
VA IRRL (Streamline a VA loan into a VA loan no appraisal required)
USDA Loans:
Rural properties with no down payment.
Investment properties
Purchase or refinance
And much, much more
What sets us apart from the rest:
Integrity Lending Solutions is a locally owned and operated small business located in Fort Collins servicing all of Colorado. Our reputation and quality sets us apart from a saturated industry of big lenders trying to meet quotas instead of putting the needs of their clients first. ILS has a loyal base of clients who have trusted us with multiple loans and refer their friends and family to us for our work. We are one of the longest standing members of the Fort Collins Better Business Bureau in our field and have held an A+ rating since our inception. We put the needs of our customers first and strive to maintain great communication with you. We complete loans quickly and efficiently. So, whether you are purchasing a new home or refinancing your current home let Integrity Lending Solutions walk with your through your lending experience!