First Cal Colorado is located in Lakewood, CO and they offer a number of great loan products for business and personal needs. First Cal guarantees 15 day closings on Colorado Home Loans. They are bankers, not brokers, meaning they provide the funds, and underwrite your Colorado Home Loan in house, start to finish. Low Colorado Mortgage Rates and fees. They can help you find great Colorado Mortgage Rates for new home or refinancing. They have many great Colorado Home Loans from VA and FHA streamline refinances, to 125% loan-to-value ratio programs, to traditional loans.