FHA Loans in Cortez, Colorado
3.5% down financing for Montezuma County buyers — including manufactured homes.
Southwest Colorado's most accessible FHA market
The 2026 FHA loan limit in Montezuma County is $541,287. Home prices in Cortez sit well below this ceiling, meaning FHA covers the entire local market with room to spare. Buyers in Cortez can access FHA's 3.5% down without worrying about loan-size constraints that affect higher-cost markets.
Tayton Capital runs FHA loans across Cortez, Dolores, Mancos, Towaoc, and Lewis — independent broker, multiple lender relationships, and real working knowledge of manufactured-home FHA financing.
FHA vs. USDA in Montezuma County
Montezuma County is 100% USDA-eligible — every address qualifies for USDA's 0%-down Rural Development loan. So Cortez buyers have a real choice: FHA (3.5% down, no income limits, more flexible DTI) vs. USDA (0% down, but income limits apply, owner-occupied only).
The right answer depends on income, credit, and cash. For buyers over USDA's income limits, FHA is the path. For buyers under the limits but tight on cash, USDA is worth a serious look — but FHA remains stronger on DTI flexibility. We run both side-by-side.
More: USDA vs. FHA, USDA in Colorado, Cortez mortgage broker.
FHA and manufactured homes in Cortez
FHA explicitly allows manufactured homes in Cortez, provided the home is on a permanent foundation, titled as real property (not personal property), meets FHA minimum property standards, and was built after June 15, 1976. Montezuma County has a meaningful stock of manufactured housing, and many owners don't know FHA is available for a purchase or refinance.
The City of Cortez requires a building permit for manufactured home installation. We verify compliance before loan submission to avoid underwriting surprises. Deeper read: Manufactured home loans in Cortez.
FHA credit flexibility
FHA's minimum credit score is 580 for 3.5% down or 500 with 10% down. In a rural market like Cortez — thinner credit files, past medical collections, agricultural income that doesn't show cleanly on tax returns — FHA's flexibility matters. We advise on credit repair steps when needed and know what the FHA underwriter will and won't accept.
FHA 203k in Cortez
Southwest Colorado's older housing stock (much of it from the 1960s–1980s) often needs updates that conventional buyers won't finance. The FHA 203k lets a buyer purchase and rehab in one loan at 3.5% down. Especially useful near Mesa Verde, where some properties have been vacation rentals and need updating before becoming primary residences.
Across Montezuma County
Cortez, Dolores, Mancos, Towaoc, and Lewis. Related pages: Cortez mortgage broker, FHA in Grand Junction, USDA in Cortez.
FHA buyers in Montezuma County
"Income was just over USDA's limit so we went FHA. 3.5% down, smooth close, and TJ kept us informed the whole way."
"Our home was on a permanent foundation, titled as real property. FHA worked perfectly. Real 30-year fixed, not dealer financing."
"1970s house that needed work. 203k let us bundle the renovation into the loan. Tayton handled the contractor draws."
Buy in Cortez with FHA
3.5% down. Manufactured homes welcome. Call or text TJ at 970-708-9624.