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
Qualifying for a mortgage in Fort Collins follows the same core process as anywhere in Colorado: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, 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 a mortgage brokerage licensed in Colorado and Florida, helping buyers across Front Range — including Fort Collins — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Fort Collins loan options
See what you qualify for — fast, free, no obligation.