Greeley, Colorado mortgage broker.

The Greeley mortgage market

Greeley is one of northern Colorado's most affordable markets with strong first-time buyer demand driven by UNC students and local agricultural and energy industry workers. Surrounding rural areas are USDA-eligible.

Many outlying areas of Weld County qualify for USDA 100% financing.

Top loan programs in Greeley

• FHA — commonly used by Greeley buyers in this market.
• Conventional — commonly used by Greeley buyers in this market.
• USDA — commonly used by Greeley buyers in this market.
• First-Time Homebuyer — commonly used by Greeley buyers in this market.

How to qualify for a mortgage in Greeley

In and around Greeley, USDA 100% financing is often the best fit — but it has two layered tests: household income must fall under the county limit, and the property must sit inside a USDA-eligible boundary. If USDA isn't a match, FHA and conventional fill the gap. Lenders review credit, DTI, down payment, and income documentation.

• 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 Greeley mortgage

Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across Northern Colorado — including Greeley — 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.