# Sheridan Home Loans

> Sheridan Home Loans is an independent mortgage brokerage founded in 1991 and based in Loveland, Colorado. Serving clients in 22 states, the company specializes in residential and commercial mortgage origination including purchase loans, refinances, construction financing, investment property loans, jumbo loans, reverse mortgages, agricultural loans, and private money lending. NMLS Company ID associated with founder Douglas R. Sheridan, NMLS# 267005.

Sheridan Home Loans was founded by Douglas R. Sheridan, who began his mortgage career in 1991 at Friedlander Financial in Mission Viejo, California, after a decade in auto financing. He acquired the company in 2006 and rebranded it as HomenLoans, Inc., combining real estate services and financing under one roof. In 2019, the company became Sheridan Home Loans, establishing its identity as a family-owned mortgage brokerage rooted in Northern Colorado. Doug also serves in quality control and compliance consulting roles, bringing deep regulatory expertise to every transaction. The business runs on referrals — a reflection of its client-first culture.

The team includes AJ Sheridan (COO, NMLS# 2347911) and Ryan Christianson (Senior Loan Advisor, NMLS# 344531). Sheridan Home Loans serves clients in Alabama, Alaska, Arizona, California, Colorado, Florida, Hawaii, Idaho, Illinois, Kansas, Michigan, Montana, Nevada, New Mexico, North Carolina, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, and Wyoming.

## Main Pages

- [Home](https://sheridanhomeloans.com/): Overview of Sheridan Home Loans, loan programs, testimonials, and Gordie AI mortgage assistant.
- [About Doug Sheridan](https://sheridanhomeloans.com/about): Full company history from 1991 to present and founder biography for Douglas R. Sheridan, President & CEO, NMLS# 267005.
- [Loan Options](https://sheridanhomeloans.com/loan-options): Overview of all 12 loan programs offered, with eligibility summaries and quick-compare stats.
- [Learning Center / Blog](https://sheridanhomeloans.com/blog): 49 mortgage education articles covering loan types, refinancing, home buying, market analysis, and investment property.
- [Glossary](https://sheridanhomeloans.com/glossary): Comprehensive mortgage terminology glossary — definitions for every major term a borrower will encounter.
- [Calculators](https://sheridanhomeloans.com/calculators): Free mortgage calculators including payment estimator, affordability calculator, and refinance break-even tool.
- [First-Time Homebuyer Guide](https://sheridanhomeloans.com/first-time-homebuyer): Dedicated resource center for first-time buyers including checklists, program guides, and a readiness quiz.
- [Locations](https://sheridanhomeloans.com/locations): All 22 states we serve, with local market context and contact information.
- [Contact](https://sheridanhomeloans.com/contact): Phone (800-978-8029), email, Calendly booking, and application link.

## Loan Program Pages

Each loan program page includes: program description, key benefits, qualification requirements, step-by-step process, 5 FAQs with structured data, and state-specific context.

- [Conventional Loans](https://sheridanhomeloans.com/loan-options/conventional): Non-government-backed mortgages. Min. credit score 620, down payment 3–5%, loan limit $766,550 in most counties.
- [FHA Loans](https://sheridanhomeloans.com/loan-options/fha): Government-backed loans for buyers with lower credit or smaller down payments. Min. 580 credit score, 3.5% down.
- [VA Loans](https://sheridanhomeloans.com/loan-options/va): Zero-down mortgages for eligible veterans, active-duty military, and surviving spouses. No PMI ever.
- [USDA Loans](https://sheridanhomeloans.com/loan-options/usda): Zero-down financing for homes in USDA-eligible rural and suburban areas. Income limits apply.
- [Jumbo Loans](https://sheridanhomeloans.com/loan-options/jumbo): Financing above the conforming limit ($766,550). Loan amounts from $767K to $5M+. Min. credit score 700–720.
- [Reverse Mortgages](https://sheridanhomeloans.com/loan-options/reverse-mortgage): HECM reverse mortgages for homeowners 62+. Access tax-free equity without monthly payments. Up to $1,149,825 (2024 HECM limit).
- [First-Time Homebuyer Programs](https://sheridanhomeloans.com/loan-options/first-time-homebuyer): Down payment assistance grants, deferred loans, and MCC tax credits available across all 22 states we serve.
- [Refinance Loans](https://sheridanhomeloans.com/loan-options/refinance): Rate/term and cash-out refinancing. Includes FHA Streamline and VA IRRRL options. Break-even analysis provided.
- [Home Equity Loans](https://sheridanhomeloans.com/loan-options/home-equity): Fixed-rate lump-sum borrowing against home equity. Up to 85% combined LTV.
- [Construction Loans](https://sheridanhomeloans.com/loan-options/construction): Financing for new home builds. Funds disbursed in draws. One-time-close programs available. Min. credit score 680.
- [Bridge Loans](https://sheridanhomeloans.com/loan-options/bridge): Short-term equity-based loans for buying before selling. 6–12 month terms, interest-only payments.
- [Agricultural Loans](https://sheridanhomeloans.com/loan-options/agricultural): Farm, ranch, and rural land financing. USDA FSA programs, conventional ag lenders, and portfolio products available.

## Learning Center — Key Articles

- [FHA vs. Conventional Loans](https://sheridanhomeloans.com/blog/fha-vs-conventional-loans): Side-by-side comparison of the two most common loan types.
- [VA Loan Eligibility Guide](https://sheridanhomeloans.com/blog/va-loan-eligibility): Who qualifies, how to get a Certificate of Eligibility, and what the VA funding fee costs.
- [USDA Loans Explained](https://sheridanhomeloans.com/blog/usda-loans-explained): Eligibility map, income limits, and how the guarantee fee compares to FHA MIP.
- [How Much House Can I Afford?](https://sheridanhomeloans.com/blog/how-much-house-can-i-afford): DTI ratios, income-based guidelines, and the 28/36 rule explained.
- [Mortgage Pre-Approval Steps](https://sheridanhomeloans.com/blog/steps-to-mortgage-preapproval): What to prepare, what lenders check, and how long preapproval takes.
- [What Is PMI?](https://sheridanhomeloans.com/blog/what-is-pmi): When PMI is required, what it costs, and how to get rid of it.
- [Fixed Rate vs. ARM](https://sheridanhomeloans.com/blog/fixed-rate-vs-arm): When an adjustable-rate mortgage makes sense vs. a fixed-rate loan.
- [15-Year vs. 30-Year Mortgage](https://sheridanhomeloans.com/blog/15-year-vs-30-year-mortgage): Total interest cost, monthly payment, and when each term is the better choice.
- [Cash-Out Refinance Explained](https://sheridanhomeloans.com/blog/cash-out-refinance-explained): How cash-out refi works, tax implications, and common uses for the proceeds.
- [Northern Colorado Housing Market](https://sheridanhomeloans.com/blog/northern-colorado-housing-market-2025): Local market analysis for Fort Collins, Loveland, Greeley, and surrounding areas.
- [Getting a Mortgage When Self-Employed](https://sheridanhomeloans.com/blog/getting-a-mortgage-self-employed): How lenders calculate income for freelancers and business owners.
- [DSCR Loans Explained](https://sheridanhomeloans.com/blog/dscr-loans-explained): Debt-service coverage ratio loans for real estate investors who qualify on rental income.
- [Investment Property Loan Guide](https://sheridanhomeloans.com/blog/investment-property-loan-guide): Down payment requirements, rate premiums, and loan types for 1–4 unit investment properties.
- [Jumbo Loan Guide](https://sheridanhomeloans.com/blog/jumbo-loan-guide): Loan limits by county, credit requirements, and how broker shopping improves rates.
- [Construction Loan Guide](https://sheridanhomeloans.com/blog/construction-loan-guide): Draw schedules, one-time-close vs. two-time-close, and builder requirements.
- [Reverse Mortgage Guide](https://sheridanhomeloans.com/blog/reverse-mortgage-guide): HECM mechanics, borrower obligations, and how heirs are protected.
- [What Are Closing Costs?](https://sheridanhomeloans.com/blog/what-are-closing-costs): Line-by-line breakdown of typical closing costs for buyers and sellers.
- [Credit Score to Buy a Home](https://sheridanhomeloans.com/blog/credit-score-to-buy-a-home): Minimum scores by loan type and how to improve your score before applying.

## State Pages

Sheridan Home Loans provides state-specific mortgage guidance across all 22 states we serve. Each state page covers local market context, applicable loan programs, and contact information.

- [Colorado Mortgage](https://sheridanhomeloans.com/states/colorado) — Primary market; Northern Colorado specialist (Fort Collins, Loveland, Greeley, Windsor)
- [California Mortgage](https://sheridanhomeloans.com/states/california)
- [Texas Mortgage](https://sheridanhomeloans.com/states/texas)
- [Florida Mortgage](https://sheridanhomeloans.com/states/florida)
- [Arizona Mortgage](https://sheridanhomeloans.com/states/arizona)
- [Washington Mortgage](https://sheridanhomeloans.com/states/washington)
- [Oregon Mortgage](https://sheridanhomeloans.com/states/oregon)
- [Idaho Mortgage](https://sheridanhomeloans.com/states/idaho)
- [Montana Mortgage](https://sheridanhomeloans.com/states/montana)
- [Wyoming Mortgage](https://sheridanhomeloans.com/states/wyoming)
- [Nevada Mortgage](https://sheridanhomeloans.com/states/nevada)
- [Utah Mortgage](https://sheridanhomeloans.com/states/utah)
- [New Mexico Mortgage](https://sheridanhomeloans.com/states/new-mexico)
- [Kansas Mortgage](https://sheridanhomeloans.com/states/kansas)
- [Illinois Mortgage](https://sheridanhomeloans.com/states/illinois)
- [Michigan Mortgage](https://sheridanhomeloans.com/states/michigan)
- [Virginia Mortgage](https://sheridanhomeloans.com/states/virginia)
- [North Carolina Mortgage](https://sheridanhomeloans.com/states/north-carolina)
- [South Carolina Mortgage](https://sheridanhomeloans.com/states/south-carolina)
- [Tennessee Mortgage](https://sheridanhomeloans.com/states/tennessee)
- [Alabama Mortgage](https://sheridanhomeloans.com/states/alabama)
- [Alaska Mortgage](https://sheridanhomeloans.com/states/alaska)
- [Hawaii Mortgage](https://sheridanhomeloans.com/states/hawaii)

## Contact

- Phone: 800-978-8029
- Schedule a free consultation: https://calendly.com/doug-sheridanhomeloans/30min
- Apply online: https://344234.my1003app.com/267005/register
- Website: https://sheridanhomeloans.com