Colorado FHA Loan Benefits & Eligibility

Is An FHA Loan Right For You?

FHA loans come with low interest rates and lower down payment requirements. But, there are increased costs in other areas, as well. So, how do you know if an FHA loan is right for you?


Colorado FHA Loan Perks

  • Lower interest rates than conventional loans
  • Lower minimum down payment
  • Lower minimum credit score
  • The entire down payment may be a gift
  • You may qualify for other government grants

Colorado FHA Loan Drawbacks

  • There is an additional fee of 1.75% of your loan amount
  • Mortgage insurance must be paid for the life of the loan
  • You may be eligible for a lower rate if you have good credit
  • Your home must meet certain safety requirements
  • There is a county based limit on how much you can borrow

Colorado FHA Loan Requirements

  • 3.5% down payment if your credit score is above 580
  • 10% down payment if your credit score is below 580
  • Loan amount must be within FHA county limits
  • Must be your primary residence
  • Debt-to-income ratio must be below 56%


An FHA loan can be a great way to finance your dream home. However, not all FHA loans are created equal. To find out which program is right for you, get a free assessment from one of our mortgage consultants.

Why Work With Us?

  • We’re a marketplace, not a lender
  • You’ll compare dozens quotes with a single application
  • You’ll get an impartial assessment before you apply
  • A mortgage consultant will advise you from origination to closing
  • Our service is completely free (no points, no fees, no mark-ups!)


Our mission is to help home buyers secure the best offers on the market.



For more information, set up a call with a mortgage consultant. (We’d invite you to drop in to our office, but we’re trying to keep our promise of having your best interests at heart.)



Our Location

1550 Wewatta St #200,

Denver, CO 80202, USA