Fort Collins, CO
Fort Collins, CO home loans, coordinated by the owner.
We put conventional, first-time-buyer, some jumbo to work for Fort Collins buyers — matched to your file, whether the address is Old Town or anywhere else in Fort Collins.
Who can help me get a mortgage in Fort Collins, CO?
Choice Home Mortgage can. We arrange Fort Collins home loans through licensed partner brokers in Colorado and coordinate each Fort Collins file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For 2026, a one-unit Fort Collins home can carry a conforming loan of up to $832,750, the Larimer County limit FHFA sets, and we check where your Fort Collins price falls before you write an offer. The whole process runs by phone and online.
Fort Collins home loans, the honest version.
Fort Collins is home to Colorado State University, generating sustained demand from faculty, staff, and graduate households alongside a growing tech and clean-energy sector; its Front Range position offers both Denver-corridor access and outdoor recreation.
That Fort Collins market shapes the loan. Fort Collins’s 2026 conforming ceiling is $832,750, the baseline figure Larimer County shares with most of the country. Under that $832,750 line — where most Fort Collins purchases sit — conventional, FHA, and first-time-buyer all stay in play. Fort Collins itself prices solidly middle-of-market. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
152,000-plus residents make Fort Collins home — across Old Town, Midtown, and between — with Loveland and Greeley nearby. Our Fort Collins picture runs street-level, Old Town Fort Collins and CSU and all. Name the Fort Collins neighborhood — Old Town, City Park, Rigden Farm, and Midtown or beyond — and we finance there. Typing “broker near me” somewhere in Fort Collins? Phone and online is how Fort Collins files run here — the local read on Fort Collins comes with it. Of the 21 Colorado cities we serve, Fort Collins plays by its own numbers — that’s the point: the Fort Collins file, not a state template.
One file, many lenders, Fort Collins terms.
Fort Collins know-how
We work Fort Collins street by street — Old Town, City Park, Rigden Farm and beyond — matching each neighborhood's prices to programs that fit.
Down-payment friendly
Conventional, first-time-buyer, some jumbo carry most Fort Collins purchases — and we check every assistance program a Fort Collins file qualifies for.
Many lenders, one file
Your Fort Collins file gets shopped across many lenders — a broker working Fort Collins, not one bank's sales desk.
Direct to the owner
The owner, Esther Buede, is who Fort Collins buyers talk to, and she coordinates the Fort Collins file with our licensed partner brokers.
One coordinator on the Fort Collins file, start to keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Fort Collins file, City Park or any Fort Collins address, first call to keys. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Programs shaped to Fort Collins price tags.
Fort Collins keeps us busy with conventional files — the draw of Old Town Fort Collins and CSU doesn’t hurt. Through licensed partner brokers, Fort Collins buyers lean on conventional, first-time-buyer, some jumbo most — and whatever else the Fort Collins numbers call for: non-QM, conventional, FHA, and VA. Whenever you’re ready — buying, refinancing, or still weighing options — start your application here or call (949) 522-7310.
For Fort Collins, that usually means conventional, first-time-buyer, some jumbo.
Fort Collins 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s; Fort Collins investors have bridge financing too. Larimer County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Buyers in Loveland, Greeley, Longmont get the same treatment as Fort Collins files. All our Colorado coverage, city by city →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Fort Collins, CO buyers through licensed partner brokers. Equal Housing Opportunity. We work with Fort Collins buyers remotely and maintain no Fort Collins office.
Asked by Fort Collins buyers, answered here.
How much can Fort Collins buyers borrow and stay conforming?
A conforming loan on a one-unit Fort Collins home can go up to $832,750 in 2026, which is FHFA's limit for Larimer County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Larimer County have a $1,066,250 conforming limit for 2026.
What loans help first-time buyers in Fort Collins?
First-time buyers in Fort Collins most often use conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Larimer County is $634,800, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Are certain Fort Collins neighborhoods outside your coverage?
No. Every Fort Collins neighborhood is covered, Old Town, City Park, Rigden Farm and Midtown included. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Old Town and Midtown, and we coordinate them by phone and online.
Are you set up to arrange loans in Fort Collins, CO?
Yes. Fort Collins loans are arranged through licensed partner brokers in Colorado, with Choice Home Mortgage coordinating the file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Fort Collins office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Fort Collins?
Yes. Besides Fort Collins, we also arrange loans in Loveland, Greeley and Longmont through licensed partner brokers. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Fort Collins file.
Do I ever need to visit an office for my Fort Collins loan?
No. A Fort Collins loan runs by phone and online, and Choice Home Mortgage has no local office to visit. A licensed partner broker in Colorado originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Let's get you home in Fort Collins.
The owner picks up, your Fort Collins numbers get real, and lenders start competing for the Fort Collins business.