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A bank statement loan is a non-QM mortgage that uses 12 to 24 months of deposits to verify income for self-employed borrowers

Peak Seven Mortgage provides bank statement loans in Colorado for self-employed borrowers, allowing qualification using 12 to 24 months of bank deposits instead of tax returns. These Non-QM programs support credit scores as low as 620, offer down payments from 10%, and accommodate both personal and business accounts with flexible expense factor calculations.

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Want to live in Castle Rock?

Why Castle Rock is a great place to live

Castle Rock, Colorado, seamlessly blends small-town charm with modern amenities, making it an exceptional place to live. Situated between Denver and Colorado Springs, residents enjoy convenient access to both cities while relishing the tranquility of suburban life.

The town boasts over 6,000 acres of open space and nearly 75 miles of trails, offering abundant opportunities for outdoor recreation. Landmarks like Philip S. Miller Park provide amenities such as an amphitheater, zip lines, and a 200-step incline challenge.

Castle Rock's vibrant downtown features a mix of locally owned shops, restaurants, and cultural events, fostering a strong sense of community. The Outlets at Castle Rock attract shoppers from across the region, offering a variety of retail options.

Residents benefit from a high quality of life, with excellent schools, low crime rates, and top-tier healthcare facilities. Douglas County, where Castle Rock is located, was ranked the third-healthiest community in the U.S. in 2024.

With its scenic beauty, robust amenities, and strong community spirit, Castle Rock stands out as a premier destination for families, professionals, and retirees alike.

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Castle Rock Schools

High-Performing School District: Castle Rock is part of the Douglas County School District No. RE-1, which ranks among the top 10% of school districts in Colorado. The district is recognized for its academic excellence and offers a variety of programs to support student success.
Top-Ranked Elementary Schools: Several elementary schools in Castle Rock are highly rated. For instance, Timber Trail Elementary School ranks in the top 5% of Colorado elementary schools, with math proficiency between 75-79% and reading proficiency between 70-74%.
Strong High School Options: Castle View High School is ranked #107 among Colorado high schools, offering a range of academic and extracurricular programs to prepare students for post-secondary success.
Diverse Educational Opportunities: The district offers various educational programs, including Advanced Placement (AP), International Baccalaureate (IB), and gifted programs, catering to a wide range of student interests and academic needs.
Charter School Excellence: Academy Charter School, serving grades K-8, has been recognized with the John Irwin School of Excellence Award, reflecting exceptional performance in core subjects.
Commitment to Student Achievement: The district's schools have demonstrated strong academic performance, with Castle Rock public schools averaging a math proficiency score of 43% and reading proficiency score of 56%, both above the state averages.

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Castle Rock Lifestyle

Castle Rock, Colorado, offers a vibrant lifestyle that seamlessly blends outdoor adventure, diverse culinary experiences, and unique shopping opportunities.
Here are six key highlights that make Castle Rock an exceptional place to live:
Abundant Outdoor Recreation: With over 6,000 acres of open space and nearly 75 miles of trails, Castle Rock is a haven for outdoor enthusiasts. Parks like Philip S. Miller Park feature amenities such as ziplines, an amphitheater, and the Challenge Hill, a 200-step incline for fitness lovers.
Diverse Dining Scene: Castle Rock boasts a rich tapestry of dining options, from cozy cafes and family-owned bistros to upscale restaurants and international cuisine. Notable establishments include Crave Real Burgers, known for its inventive burger creations, and Union Bistro, offering a refined dining experience.
Unique Shopping Experiences: The town offers a variety of shopping venues, including the Outlets at Castle Rock, Colorado's largest open-air outlet center with over 100 name-brand stores. Historic downtown Castle Rock features charming boutiques and antique shops, such as The Barn and The Emporium, providing a unique shopping experience.
Community Events and Festivals: Castle Rock hosts numerous events throughout the year, fostering a strong sense of community. The annual Douglas County Fair and Rodeo, along with seasonal farmers' markets and outdoor concerts, offer entertainment for all ages.
Access to Natural and Organic Foods: Residents have access to several natural food stores, including Natural Grocers and Tony's Market, which offer organic produce, specialty items, and gourmet groceries, supporting a healthy lifestyle.
Proximity to Major Cities with Small-Town Charm: Located conveniently between Denver and Colorado Springs, Castle Rock provides easy access to urban amenities while maintaining its small-town atmosphere. The town's scenic beauty, combined with its modern conveniences, makes it an attractive place to call home.

Popular Areas in Castle Rock, Colorado

80104 — Castle Rock Core / Historic Downtown

Charming walkable downtown with local shops, restaurants, and the iconic rock formation
30 min to Denver Tech Center, 25 min to Colorado Springs via I-25
Home prices $480K–$750K
Close to Philip S. Miller Park — 160 acres of trails, zip lines, and outdoor recreation

80108 — Cobblestone Ranch / Crystal Valley