Fort Collins · Larimer County
Fort Collins Home Loans & Mortgage Services
Conventional Loans, FHA Loans, VA Loans and more for buyers and owners in Fort Collins, from a Colorado mortgage broker with offices in Boulder and Vail.
- 4.9 from 60+ Google reviews
- $1B+ funded
- 30+ years of experience
- Top 1% of UWM loan officers (2025)
Life in Fort Collins
Fort Collins is Colorado's most livable city — a bold claim backed by decades of 'Best Of' rankings. The charming Old Town district, inspiration for Disneyland's Main Street USA, is home to over 20 craft breweries (including New Belgium and Odell), independent shops, and excellent restaurants. Colorado State University brings intellectual energy and cultural programming, while Horsetooth Reservoir and the foothills of the Rocky Mountains provide a wilderness playground minutes from downtown. Fort Collins' 285 miles of bike lanes make it one of America's most bikeable cities. The tech sector is growing rapidly, with companies attracted by the university talent pipeline and quality of life. Summer farmers' markets, winter cross-country skiing, and year-round community festivals create a rhythm of life that's hard to find anywhere else.
What draws buyers here
- Colorado State University
- Craft beer capital of Colorado
- Old Town historic district
- Excellent bike infrastructure
- Horsetooth Reservoir recreation
- Strong job market
Owning property in Fort Collins
Fort Collins offers perhaps the best quality-of-life-to-cost ratio in Colorado. Average home prices around $550,000 buy you access to a nationally ranked community with strong schools, a thriving economy, and mountain recreation. CSU's presence ensures consistent rental demand, while the growing tech sector drives appreciation in neighborhoods like Old Town and the west side. Fort Collins' growth management policies (similar to Boulder's, though less restrictive) help maintain livability while supporting property values. For first-time buyers, FHA and CHFA down payment assistance programs make Fort Collins accessible. Cedar Home Loans serves all of Larimer County with conventional, FHA, VA, and first-time buyer financing.
- County
- Larimer County
- Typical home price
- About $550,000
- Loans we arrange here
- Conventional Loans, FHA Loans, VA Loans, First-Time Buyer Programs
Prices are approximate and change with the market. Loan limits vary by county; see Colorado loan limits by county.
Fort Collins neighborhoods
Old Town
Horsetooth
Timnath
Fort Collins mortgage questions
Yes! Cedar Home Loans serves Fort Collins, Loveland, Windsor, Timnath, Wellington, Laporte, Berthoud, and all of Larimer County. We also work with buyers in Weld County communities like Greeley and Johnstown.
Yes, we offer FHA loans (3.5% down), conventional loans with 3% down, and CHFA down payment assistance programs for Fort Collins first-time buyers. CHFA offers a grant of up to 3%, or a deferred second mortgage of up to 4%, of the first mortgage amount (capped at $25,000), which can significantly reduce your upfront costs.
The average home price in Fort Collins is approximately $550,000. Old Town and Horsetooth properties can exceed $700,000, while newer developments in Timnath and east Fort Collins offer homes from $400,000-$500,000. Loveland and Windsor provide more affordable options nearby.
Fort Collins is an excellent market for 2026. It offers strong job growth from Colorado State University, tech companies, and healthcare, plus a nationally ranked quality of life. Home values have shown steady appreciation, and the city consistently ranks among the best places to live in the U.S.
For the median Fort Collins home around $550,000, you'd need approximately $90,000-$110,000 in annual household income with a 5% down payment. First-time buyers using FHA or CHFA assistance may qualify with less. Contact us for a free affordability analysis.
Buying or refinancing in Fort Collins?
Get pre-approved online, or call Andrew. He has 30+ years of experience financing Colorado homes.