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mortgages Buying a Home - Colorado Real Estate

Buying a Home - Colorado mortgages, down payment assistance and first time home buyer grants for buying Colorado real estate.

Research the available Colorado mortgages and home loan programs for buying Colorado real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Colorado real estate.    


Government grants for buying a home

Here are some links for government grants for buying a home in Colorado.

County

Adams County - Homeownership Program HOTLINE (303) 227-2089

Arapahoe County - Help For Homebuyers or (303) 738-8065 http://www.co.arapahoe.co.us/CS/HCDS/FirstTime.htm

Boulder County - Outside city limits of Boulder - Down Payment Assistance Program or (303)-651-8530
http://www.ci.longmont.co.us/cdbg/housing/dpa.htm

Eagle County - Colorado Housing Assistance Corp or (303) 572-9445 http://www.coloradohousingassistance.org/index.htm

El Paso County - Affordable Housing Programs or (719) 520-6481 http://adm.elpasoco.com/EconDev/AffHous.asp

Jefferson County -Colorado Housing Assistance Corp or (303) 572-9445 http://www.coloradohousingassistance.org/index.htm

Larimer County - Outside city limits of Ft. Collins - (970) 667-3232, ext. 39  

Weld County - High Plains Housing Development Corp. (970) 346-7660, ext. 6540

Bent, Crowley and Otero counties - Tri-County Housing - down payment and closing cost assistance, 2nd mortgages for repairs to a home being purchased, and Home Ownership Counseling (719) 263-5168

Cheyenne, Elbert, Kit Carson and Lincoln counties - Prairie Development Corp. Down payment assistance program or (719) 348-5560 or (800) 825-0208 http://www.prairiedevelopment.com/contactus/index.htm

Logan, Morgan, Phillips, Sedgewick, Yuma and Washington counties - Northeast Colorado Housing, Inc. in Fort Morgan - Down payment assistance program call (970) 542-0955

All counties - Colorado Housing Assistance Corp or (303) 572-9445
http://www.coloradohousingassistance.org/index.htm

City Programs

Aurora - Home Ownership Assistance Program or (303) 739-7900 http://www.ci.aurora.co.us/index.cfm?fuseaction=sec_sub_articles§ionid=1&subsectionid=40

Boulder - Home Ownership Programs (303) 441-3140 http://www.ci.boulder.co.us/hshhs/homeownership/index.htm

Colorado Springs - Home Ownership Programs (719) 387-6714

Commerce City - Commerce City Housing Authority or call (303) 289-3698 http://www.ci.commerce-city.co.us/departments/housing_info.html

Delta - West Central Housing Development - Down payment assistance (970) 874-8204, ext. 24

Denver - Del Norte's Home Ownership Program or (303) 477-4774, ext. 18 http://www.delnortendc.org/index.cfm?fuseaction=view_prog&id=5

Denver - Colorado Housing Assistance Corp at (303) 572-9445 http://www.coloradohousingassistance.org/index.htm

Denver - Lowery Economic Redevelopment Authority - Down payment assistance (303) 343-0276

Denver - Southwest Improvement Council (SWIC) - First-time Homebuyer down payment assistance program (303) 934-8057

Fort Collins - Home Ownership Web Site or (970) 221-6758 http://www.fcgov.com/affordablehousing/home.php

Greeley - High Plains Housing Development Corp. (970) 346-7660, ext. 6540

Longmont - Down Payment Assistance Program or (303) 651-8530
http://www.ci.longmont.co.us/cdbg/housing/dpa.htm

Loveland - Loveland Housing Authority or (970) 667-3232, ext. 39
http://www.lovelandhsg.org/lahop.htm

Pueblo - Homeownership Program (719) 583-4477

Colorado Bluesky Enterprises - Down payment assistance for individuals with developmental disabilities (719) 546-0572
http://www.coloradobluesky.org/balt.htm

Pueblo - Neighborhood Housing Services Affordable Housing Program (719) 544-8078
http://www.nhspueblo.org/AHP.htm

Westminster - Down payment Assistance Program (303) 227-2075
http://www.ci.westminster.co.us/res/house/down.htm

Statewide

Colorado Housing Finance Authority (CHFA) - Home Finance or (303) 297-7376 or (800) 877-2432, ext. 376
http://www.colohfa.org/hf_main.shtml

Colorado Housing Assistance Corporation (303) 572-9445
http://www.coloradohousingassistance.org/index.htm

Home Buyer Workshop Class Schedule
http://www.colohfa.org/hf_classes.shtml

Colorado Division of Supportive Housing and Homeless Programs - Section 8 Homeownership Program or (303) 866-7350
http://www.cdhs.state.co.us/ohr/shhp/RDT/Homeowner.html

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Colorado.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Colorado or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Score at TransUnion )

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Colorado.

FHA loan - government insured mortgages that allow you to buy a home with only 3.5% down payment.

VA home loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Colorado Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Colorado real estate of homes for sale.

Complete the form below for direct access to the following types of Colorado real estate listings:

  • Colorado Real Estate Listings and MLS
  • Colorado HUD Homes
  • Colorado For Sale By Owner Homes
  • Colorado New Homes for Sale
  • Colorado Foreclosure Homes for Sale
Access Colorado Real Estate Listings

You will get free unlimited access to search Colorado real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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