Capital Home Mortgage Fort Collins

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Fort Collins Colorado Mortgage Lender

Home Loans In Fort Collins, Colorado 

Situated at the foothills of the Rocky Mountains, the fabulous city of Fort Collins is home to a wide array of experiences. The city offers something for everyone, from diverse cultural attractions to family recreational opportunities and a vibrant nightlife scene. Plus, it’s the craft beer capital of Colorado. 

Are you looking to purchase a home in Fort Collins? Buying a house isn’t an impulsive decision. Many individuals and couples who think they’re ready to take on such a substantial financial commitment may not be as prepared. 

At Capital Home Mortgage, we can help you secure the financing you need to purchase your perfect home in Fort Collins. But first, here are the top things you should know before starting house hunting. 

3 Things Every First-Time Homebuyer In Fort Collins Should Know

     1. Start Saving Early

The down payment is not the only colossal cost you’ll need to plan for when buying a home. Many first-time homebuyers are surprised by the number and amount of purchase expenses. These include:

  • Down payment — Some home loans allow as low as 3%. Particular loans allow for a 0% down payment. It’s always good to have a decent amount set aside for your down payment. It can help you avoid private mortgage insurance. 
  • Closing costs — These are fees associated with finalizing your mortgage and homebuying process. They can range anywhere from 2% to 5% of the home price. 
  • Moving expenses — If you’re moving to Fort Collins from another city or state, your moving expenses may run into thousands of dollars. 
  • Prepaid ItemsPrepaid costs are not the same as closing costs. They are upfront costs needed to obtain a mortgage. These include 1 full year of homeowners insurance and property taxes in escrow, and mortgage interest from the time you close until the end of the month.

     2. Keep Tabs On Your Credit

Even if you’ve been responsible for your credit and have consistently made on-time payments, it’s good to look at and know your credit situation before commencing the home buying process. 

The lender will do a hard credit check during the pre-approval stage, and the last thing you want is to see an unpaid bill or unexpected open account dragging down your credit score. 

     3. Work Out A Budget And Stick to It

Along with adequate savings, it’s crucial to have a strict budget that fits your lifestyle. As a first-time homebuyer, it’s easy to be drawn to a house you can’t necessarily afford. Without a budget in place, you may make an offer that is way outside your price range. 

When working out your budget, be realistic with what you can afford over the long term. Pick neighborhoods within a specific range and prioritize critical considerations, such as amenities, living space, and distance to places like work, schools, and hospitals. 

Fort Collins, Colorado Mortgage Lender 

Just because you’re a first-time homebuyer doesn’t mean finding the right home loan in Fort Collins has to be an arduous process. At Capital Home Mortgage, we’ve made it our mission to streamline the mortgage process and help ensure an enjoyable home buying experience. 

We offer a wide selection of home loan programs, including Conventional and government-backed mortgages. Plus, we’re a direct lender, meaning we make all the decisions from application to funding. This enables our loan officers to process applications faster and provide competitive interest rates. 

Get Your Home Loan In Fort Collins

Our team at Capital Home Mortgage understands how overwhelming the home loan process can be, especially to first-time borrowers. We’re committed to ensuring a smooth, hassle-free experience from start to finish. 

Call us now at (303) 226-1177 to get started.

Why Fort Collins is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Fort Collins Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Fort Collins Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Fort Collins Mortgage Rates

Capital Home Mortgage Fort Collins is dedicated to offering Great Fort Collins Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Fort Collins Colorado Mortgage Loans

Fort Collins Home Purchases

Buying a Fort Collins Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Fort Collins Renovation Home Loans

Fort Collins Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Fort Collins FHA Home Loans

1st Time Fort Collins Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Fort Collins VA Home Loans

100% Loans for Fort Collins Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Fort Collins Conventional Home Loans

Flexibility for Fort Collins Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Fort Collins Jumbo Home Loans

Great Fort Collins Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Fort Collins USDA Home Loans

Fort Collins Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Fort Collins Native American Loans

Fort Collins HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Fort Collins Manufactured Home Loans

Fort Collins Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Fort Collins Reverse Mortgages

Your Fort Collins Home at Work

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Fort Collins Cash Out Mortgage Refinance

Fort Collins Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Fort Collins Mortgage Refinance

Fort Collins Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Fort Collins Colorado Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Kelvin Thompson

Loan Officer
NMLS 2050042

Amy Bird

Loan Officer
NMLS 169849

Cristina Roca

Loan Officer
NMLS 1926089

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