FHA Loan · Fort Collins, CO
FHA Loans in Fort Collins
An FHA loan is a government-backed mortgage with a low down payment and flexible credit requirements, a common path for first-time and credit-building buyers.
Why Fort Collins
A FHA 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%, an FHA Loan is a common path to owning here. We help you line up the numbers and the right program for your situation.
Why an FHA Loan
What makes it work
Low down payment
As little as 3.5% down for qualifying buyers.
Flexible credit
More forgiving credit guidelines than conventional financing.
Gift-friendly
Down payment and closing costs can come from an eligible gift.
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
FHA Loan questions, answered
How much down for an FHA loan?
As little as 3.5% for qualifying buyers, and the down payment can be gifted.
Does FHA have mortgage insurance?
Yes, FHA has both an upfront and an annual mortgage insurance premium. We explain the full cost so there are no surprises.
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 FHA Loan options in Fort Collins. Or start your full application anytime.
Prefer email? logan@clayhousemortgage.com · Fort Collins, CO