Loan programs in Fort Collins
DSCR Loans in Fort Collins
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
InvestorFix and Flip Loans in Fort Collins
A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.
InvestorDSCR Cash-Out Refinance in Fort Collins
A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.
InvestorShort-Term Rental (Airbnb) DSCR Loans in Fort Collins
A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.
Home loanBank Statement Loans in Fort Collins
A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
Home loanFHA Loans in Fort Collins
An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
Home loanFirst-Time Homebuyer Loans in Fort Collins
First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.
Home loanVA Loans in Fort Collins
A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.
Home loanCondo Loans in Fort Collins
A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.
Neighborhoods in Fort Collins
- Old Town
- Midtown
- Harmony Corridor
- South College
Why borrowers look at Fort Collins
Fort Collins blends a top-ranked college town, home to Colorado State University, with a real tech and manufacturing employment base. Old Town's historic core, the Harmony Corridor's newer subdivisions, and established midtown neighborhoods attract families, faculty, and young professionals who want Front Range living without Denver prices. CSU students create strong rental demand near campus, supporting investors, while the broader market leans toward owner-occupants. Prices run above the state median on the area's desirability and constrained foothill geography. Hail is the main insurance peril, with wildfire risk limited to the foothills edge. The city's highly rated quality of life keeps in-migration steady, supporting long-term appreciation.
Local market snapshot: Fort Collins
| Median home value | $577,900City of Fort Collins · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
|---|---|
| Median gross rent | $1,690/moCity of Fort Collins · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
| Effective property tax rate | 0.52% (approx.)Larimer County, effective rate (approx.) · Source: SmartAsset, Colorado Property Tax Calculator |
Homeowners insurance: Hail and wind drive insurance pricing in Fort Collins; properties near the foothills edge should also check wildfire scoring with their carrier. Get quotes during due diligence and ask about roof-material discounts.
Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.
Before you buy or refinance in Fort Collins
- Pull the Larimer County property tax bill early; it is part of every payment and DSCR calculation.
- Get an insurance quote before you lock a price.
- For rentals, check rent comps and any local rental registration or short-term rental rules in Fort Collins.
- Colorado charges a small state documentary fee on deeds (1¢ per $100). Short-term rental rules vary sharply by city, so DSCR loans on STRs need a local permit check first.
Run the numbers
- DSCR Calculator
- Fix and Flip Profit Calculator
- Mortgage Payment Calculator
- Home Affordability Calculator
Other Colorado cities
- Denver
- Colorado Springs
- Aurora
- Lakewood
- Thornton
- Westminster
- Pueblo
- Boulder
- Greeley
- Longmont
- Castle Rock
- Grand Junction
- Loveland
- Centennial
- Arvada
- Highlands Ranch
- Broomfield
- Commerce City
- Parker
FAQ
What loans can I get in Fort Collins, CO?
Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).
Who assesses property taxes in Fort Collins?
Larimer County. Lenders include those taxes in the monthly payment used to qualify you.