Fort Collins, Colorado mortgage broker.

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 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.