Do you lend in Loveland, Windsor, and the rest of Northern Colorado?

Yes. We are licensed statewide in Colorado and close loans across Larimer and Weld counties regularly, all handled from our Denver office by phone, video, or in person.

Is now a balanced market in Fort Collins?

It has leaned that way in recent stretches, but it varies by price band and neighborhood. Ask us for the current read on your specific budget before you write an offer, and we will also tell you what seller credits are realistic.

How much down payment do I need in Fort Collins?

Three percent down on conventional, three and a half percent on FHA, and zero down on VA for eligible buyers. Assistance programs can cover part or all of the down payment if your income and target price fit current limits.

How fast can we close?

Most purchase loans close in 18 to 25 days once you are under contract. Pre-approval usually takes a day or two after your documents come in.

Areas we serve

Fort Collins mortgage broker for Northern Colorado

From Old Town craftsman homes to new builds in southeast Fort Collins, we shop Northern Colorado loans across more than 70 wholesale mortgage banks.

A couple walking their dog past craftsman homes on a leafy Fort Collins street with the foothills behind them

Fort Collins blends a university town's steady demand with a genuine family housing market, and it sits at the north end of the corridor we serve every week, from Loveland and Windsor to Greeley.

The Fort Collins market

Inventory here moves differently than Denver: fewer condo towers, more single family homes, and a market that has leaned balanced in recent stretches. For buyers that often means inspection negotiations and seller credits are realistic rather than wishful.

First-time buyers and CSU grads

Plenty of buyers here stay after graduation or come back for a job at the university or one of the breweries and tech employers. Low down payment conventional and FHA loans cover most of these files, and CHFA or local assistance can trim the cash needed to close.

Move-up buyers and refinancing

Many of our Fort Collins clients are on their second or third home, often selling a Denver metro place and trading up. We coordinate the timing so the equity shows up where the underwriter needs it, and we revisit refinancing whenever the numbers clearly favor it.

Serving the north corridor

We lend in Fort Collins, Loveland, Windsor, Timnath, Wellington, Severance, and Greeley, plus Estes Park, all licensed statewide in Colorado.

What Fort Collins buyers ask us

Questions about your own numbers?

Call or text 720-386-4071, or start the application and we will follow up the same day. The conversation is free, and the math is yours to keep.

Get Pre-Approved Call or text 720-386-4071