The Fort Collins mortgage market
Fort Collins remains one of the most stable Front Range markets with strong demand from CSU and tech employers.
Popular with first-time and move-up buyers using conventional 5–10% down programs.
Top loan programs in Fort Collins
- Conventional — commonly used by Fort Collins buyers in this market.
- FHA — commonly used by Fort Collins buyers in this market.
- VA — commonly used by Fort Collins buyers in this market.
How much you can borrow in Fort Collins is set at the county level — the 2026 conforming and FHA ceilings for Larimer County determine where conventional financing ends and jumbo begins. Check the current Larimer County loan limits before you set a purchase price.
Explore loan programs in Fort Collins
Compare loan options
Side-by-side breakdowns for the programs Fort Collins buyers weigh most often.
- FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
- VA vs. FHA →Two low-down-payment options — which one costs less.
- Jumbo vs. Conventional →When a purchase price pushes you past the conforming limit.
- DSCR vs. Conventional →Qualify on rental income instead of your tax returns.
How to qualify for a mortgage in Fort Collins
Because Fort Collins is a heavy VA market, most veteran and active-duty buyers start with VA eligibility — 0% down, no PMI, and competitive rates. For buyers without VA entitlement, conventional and FHA round out the picture. Lenders look at credit, DTI, residual income (for VA), and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Fort Collins mortgage
Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across the Front Range — including Fort Collins — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
What clients say about working with us near Fort Collins
All 203+ reviews →"TJ takes the time to understand his clients' needs and supports them through every step of the home buying or refinance journey. He makes sure they arrive at the closing table feeling confident and well prepared."
"I highly recommend going to Tayton Capital for your loan or refi. Taylor is a professional who is super responsive and great at what he does. I learned a lot working with him and would absolutely work with him again!"
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See what you qualify for — fast, free, no obligation.
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