USDA guaranteed loans are zero down mortgages for low to moderate income households who are either refinancing or purchasing a home within the allowed rural locations in Colorado. USDA mortgages are 100% financing. No down payment is required although closing costs still exist. For the most part, as long the property is not located in a major metro area, there is a good chance that it will qualify for a USDA mortgage. Please reach out to us if you have further questions or would like to get pre-approved.
• For Properties Located in Rural Colorado
• 100% Financing(Zero Down Payment)
• Purchase & Refinance
• 30/15 Year Fixed Loans
• Very Aggressive Interest Rates / Better than conventional in most cases
• Discounted monthly/upfront mortgage insurance compared to FHA/Conventional
USDA financing is a great program for Colorado residents because we have lot’s of open land and rural areas in our State. The USDA loan will allow home buyers to purchase/refinance a home with zero down and offers very competitive interest rates and minimal monthly mortgage insurance. USDA is considered by most mortgage professionals to be a superior loan program when compared to FHA financing. This is truly a great program for low and moderate income borrowers.
The map below shows eligible USDA areas in Colorado. Pretty much the entire State is eligible outside of the Denver Metro Area, Colorado Springs, Pueblo, Fort Collins, & Grand Junction. Areas in tan color are not eligible. Click to zoom on the map.
Click to Zoom. Tan Areas Not Eligible
Why use us as your USDA Lender
• Extremely competitive low rates • Low or in some cases no lender fees • Close in less than 30 days • Local Denver based mortgage company familiar with Colorado guidelines
Colorado USDA Income Limits / Income based on County
5+ person Household
El Paso/Colorado Springs
Kit Carson/Lake/Las Animas/
Helpful Links & Tools
Find out if a property is eligible for USDA Financing here. Plug in any address to find out if the property is eligible for USDA financing.
USDA Income Limits USDA Website – Find out if your income qualifies for USDA **NOTE** Please use the MODERATE income when reviewing the income limits. Keep in mind that the income limits are based on household income so if your spouse isn’t going on the loan but has a job or another income source, his/her income must be included in the maximum income calculation. Per chart above, Colorado income limits will change depending on the County the property is located in. Please contact us if you have further questions.