Fort Collins, CO
Your Fort Collins, CO mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Fort Collins — clear guidance from pre-approval through closing.
What financing a Fort Collins home really takes.
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 market shapes the loan. In Larimer County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Fort Collins purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Fort Collins from the ground up — close to Old Town Fort Collins and CSU. We finance homes across Old Town, City Park, Rigden Farm, and Midtown — and every other corner of Fort Collins. Looking for a mortgage broker near you in Fort Collins? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Fort Collins market knowledge
Near Old Town Fort Collins and CSU, across Old Town, City Park, Rigden Farm — we know Fort Collins's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Fort Collins buyers often start with conventional, first-time-buyer, some jumbo — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Fort Collins file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Fort Collins loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Fort Collins, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
The right Fort Collins loan for your situation.
For Fort Collins we lean on conventional, first-time-buyer, some jumbo through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Fort Collins, we also help buyers in Loveland, Greeley, Longmont. See all Colorado cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Fort Collins, CO buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Fort Collins office.
Fort Collins mortgage questions, answered.
What's the 2026 conforming loan limit in Fort Collins?
In Larimer County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Fort Collins?
Most Fort Collins buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Fort Collins neighborhoods do you serve?
We serve buyers across Fort Collins, including Old Town, City Park, Rigden Farm. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Fort Collins, CO?
Yes. We help Fort Collins homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate CO financing for you.
Do you serve areas near Fort Collins?
Yes — we also work with buyers in nearby Loveland, Greeley, Longmont. Same process, local loan-limit details for each.
Let's finance your Fort Collins home.
Talk to the owner directly. We'll map the right loan for your Fort Collins home and put lenders in competition for it.