Conventional Loan · Fort Collins, CO
Conventional Loans in Fort Collins
A conventional loan is the most common mortgage, flexible terms, competitive pricing, and as little as 3% down for qualifying buyers.
Why Fort Collins
A Conventional Loan that fits this market
Fort Collins is home to Colorado State University, the state's land-grant flagship. In Fort Collins, where the median home value in Larimer County runs about $569,100 and homeownership is near 64%, a Conventional Loan is a common path to owning here. We help you line up the numbers and the right program for your situation.
Why a Conventional Loan
What makes it work
As little as 3% down
For qualifying buyers, with private mortgage insurance that drops off at 20% equity.
No upfront mortgage insurance
Unlike FHA, conventional loans have no upfront MI premium.
Flexible on property type
Primary homes, second homes, and investment properties all qualify.
Assistance
Down payment help in Colorado
CHFA offers down payment assistance and first-time buyer programs across Colorado. We help Fort Collins buyers pair the right loan with any assistance they qualify for.
Good to know
Conventional Loan questions, answered
When does PMI go away on a conventional loan?
Conventional PMI can be removed once you reach 20% equity, unlike FHA's mortgage insurance.
Is a conventional loan better than FHA?
It depends on your credit and down payment. We compare both side by side for your situation.
Get started
Start with a conversation.
No pressure, no runaround.
Leave your details and our team reaches out fast, usually within minutes during business hours, to talk through your Conventional Loan options in Fort Collins. Or start your full application anytime.
Prefer email? logan@clayhousemortgage.com · Fort Collins, CO