Comprehensive Loan Programs for Every Need
Whether you're buying your first home, refinancing, or investing in Fort Collins real estate, we have the right mortgage solution for you.
Home Purchase Loans
Make your Fort Collins homeownership dreams a reality with competitive rates and flexible terms tailored to your financial situation.
- Conventional loans with as little as 3% down
- Competitive interest rates
- Fast pre-approval process
- First-time homebuyer programs
- Down payment assistance options
Refinancing
Lower your monthly payment, reduce your loan term, or tap into your home equity with our refinancing options.
- Rate and term refinancing
- Cash-out refinancing
- Streamline refinance programs
- No-closing-cost options available
- Free refinance consultation
FHA Loans
Government-backed loans perfect for first-time buyers or those with limited down payment funds.
- As low as 3.5% down payment
- Flexible credit requirements
- Lower mortgage insurance costs
- Gift funds allowed for down payment
- Assumable loans
VA Loans
Exclusive benefits for veterans, active military, and eligible spouses buying homes in Fort Collins.
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
- Flexible credit guidelines
Jumbo Loans
Financing for luxury homes and properties exceeding conventional loan limits in Fort Collins and Northern Colorado.
- Loan amounts above $766,550
- Competitive jumbo rates
- Flexible down payment options
- Portfolio lending solutions
- Luxury property expertise
Construction Loans
Build your dream home in Fort Collins with our construction-to-permanent loan programs.
- Single-close construction loans
- Interest-only during construction
- Converts to permanent mortgage
- Custom home expertise
- Builder relationship network
Investment Property Loans
Grow your real estate portfolio with financing tailored for rental properties and investment homes.
- Single and multi-family properties
- Competitive investment rates
- Cash-out refinance for investors
- Portfolio loan programs
- Rental income qualification
Compare Loan Types
Not sure which loan program is right for you? Here's a quick comparison of our most popular options.
| Feature | Conventional | FHA | VA | Jumbo |
|---|---|---|---|---|
| Minimum Down Payment | 3-5% | 3.5% | 0% | 10-20% |
| Credit Score Requirement | 620+ | 580+ | 580+ | 700+ |
| Mortgage Insurance | Required if <20% down | Required | None | Varies |
| Loan Limits | Up to $766,550 | Up to $498,257 | Up to $766,550 | Above $766,550 |
| Best For | Strong credit buyers | First-time buyers | Veterans & military | Luxury properties |
Rates and requirements subject to change. Contact us for current rates and personalized recommendations.
Not Sure Which Loan is Right for You?
Our experienced loan officers will help you compare options and find the perfect mortgage solution for your Fort Collins home purchase or refinance.