NMHL Mortgage Lending
Mortgage Lender in Fort Collins, CO
Local expertise and competitive rates for Fort Collins homebuyers.
Fort Collins, Colorado, is a thriving city that combines the energy of Colorado State University with the charm of a craft beer capital and stunning mountain access. With a median home price of $520,000, the local housing market is competitive, but National Mortgage Home Loans (NMHL) is here to help. As a licensed mortgage lender operating across 29 US states, NMHL specializes in serving underserved borrowers, including those with bad credit, self-employed individuals, first-time buyers, veterans, and those recovering from financial hardship.
The Fort Collins housing market is driven by its high quality of life, with 300+ days of sunshine and a thriving local food and beer scene. The city's educated workforce and strong economy, anchored by major employers like Colorado State University, Hewlett Packard Enterprise, and Broadcom, attract technology and professional services firms. As a result, demand for housing remains strong, supporting property values.
At NMHL, we understand the Fort Collins mortgage landscape and offer a range of programs to help borrowers achieve their homeownership goals. From down payment assistance to specialized loan products for underserved borrowers, we're committed to providing personalized service and expert guidance throughout the mortgage process.
Fort Collins Housing Market Overview
Fort Collins combines Colorado State University energy with a craft beer capital reputation and stunning mountain access. The city consistently ranks among the best places to live in Colorado and nationally, driving strong demand despite premium prices.
Fort Collins Neighborhoods
Popular areas for homebuyers in Fort Collins, CO
ZIP Codes We Serve in Fort Collins
Mortgage lending available in these Fort Collins ZIP codes
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Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Fort Collins
Explore mortgage options tailored to Fort Collins homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding Fort Collins Neighborhoods
Fort Collins is a diverse city with a range of neighborhoods to suit different lifestyles. Old Town is a vibrant, walkable area with a mix of historic homes and new developments. Midtown offers a more suburban feel, with easy access to amenities and services. Surrounding areas like Timnath and Wellington provide a more rural atmosphere, with opportunities for outdoor recreation.
- Old Town: Historic charm, walkable, and vibrant downtown
- Midtown: Suburban feel, easy access to amenities
- Timnath: Rural atmosphere, outdoor recreation opportunities
- Wellington: Family-friendly, growing community
When choosing a neighborhood, consider factors like commute time, schools, and local amenities to find the best fit for your lifestyle.
Mortgage Options for Underserved Borrowers
At NMHL, we understand that not all borrowers fit the traditional mold. That's why we offer a range of mortgage products designed to serve underserved borrowers, including those with bad credit, self-employed individuals, and veterans. Our loan officers are experienced in working with borrowers who have unique financial situations, and we can help you explore alternative loan options.
For example, our Self-Employed Mortgage Program considers non-traditional income documentation, making it easier for self-employed borrowers to qualify. We also offer a VA Loan Program for eligible veterans, providing favorable terms and lower fees.
Don't let credit challenges or non-traditional income hold you back from achieving your homeownership goals. Contact NMHL today to explore your mortgage options.
Down Payment Assistance Programs in Colorado
Colorado offers several down payment assistance programs to help borrowers achieve their homeownership goals. The Colorado Housing and Finance Authority (CHFA) Down Payment Assistance Program provides up to 4% of the home's purchase price in assistance, which can be used in conjunction with other NMHL mortgage products.
At NMHL, we can help you navigate these programs and determine your eligibility. With as little as 3.5% down, you can qualify for a mortgage and start building equity in your home.
Don't have a large down payment saved? Consider exploring down payment assistance programs with NMHL to achieve your homeownership goals.
The NMHL Advantage in Fort Collins
At NMHL, we're committed to providing personalized service and expert guidance throughout the mortgage process. Our experienced loan officers understand the Fort Collins market and can help you navigate the complexities of the mortgage process.
With NMHL, you'll have access to a range of mortgage products and programs, including down payment assistance and alternative loan options. We're dedicated to helping you achieve your homeownership goals, regardless of your financial situation.
Ready to take the next step in the mortgage process? Contact NMHL today to get pre-approved and start shopping for your dream home in Fort Collins.
Frequently Asked Questions
Fort Collins property tax rates are relatively low, with an average effective rate of 0.54%. This can help reduce the overall cost of homeownership. However, it's essential to factor in other costs, such as insurance and maintenance, when determining your mortgage affordability.
Fort Collins is served by the Poudre School District, which is highly rated and has a strong reputation. Homes located within top-performing school districts tend to retain their value and attract potential buyers. When considering a mortgage, it's essential to research the local school district and its impact on your potential home's value.
Colorado offers several first-time homebuyer programs, including the Colorado Housing and Finance Authority (CHFA) Down Payment Assistance Program. NMHL can help you navigate these programs and determine your eligibility. With as little as 3.5% down, you can qualify for a mortgage and start building equity in your home.
While traditional lenders may be hesitant to approve a mortgage with bad credit, NMHL offers alternative loan products that consider non-traditional credit histories. We can help you explore options and develop a plan to improve your credit score. Our minimum credit score requirements vary, but we can work with borrowers as low as 580 in some cases.
Fort Collins has a range of desirable neighborhoods, including Old Town, Midtown, and surrounding areas like Timnath and Wellington. Each neighborhood has its unique character and advantages. When searching for a home, consider factors like commute time, schools, and local amenities to find the best fit for your lifestyle.
Getting pre-approved with NMHL is easy. Simply start by applying online or contacting one of our experienced loan officers. We'll review your financial information and provide a pre-approval letter outlining your mortgage options. With NMHL pre-approval, you'll have a clear understanding of your budget and can shop for homes with confidence.
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Ready to Buy in Fort Collins?
Let NMHL help you navigate the Fort Collins housing market with expert guidance and competitive rates.