Your Mortgage Guide to Home Buying in Ft. Collins, Colorado
Making the big decision of owning a home requires an expert. Feel confident and secure in your home buying decision by using an experienced mortgage broker. Mortgage brokers have a wider array of loan program options, meaning you have more flexibility in the program that’s best for you.
How can we help?
We’re here to help you - not only with an upcoming loan decision, but your long-term wealth goals. Leveraging your home into a financial plan can create a robust outline of choices to help you reach your goals.
Why Choose Fort Collins?
Nestled against the majestic Rocky Mountains, Fort Collins offers an ideal blend of outdoor adventure, cultural vibrancy, and a thriving community. Nature enthusiasts rejoice with year-round activities like hiking, biking, camping, and even rock climbing, all amidst breathtaking scenery. Kayak or fish along the Cache la Poudre River, or indulge in world-class skiing just a short drive away.
Beyond the outdoors, Fort Collins boasts a booming economy with a strong job market in diverse sectors, ensuring professional opportunities and growth. Families will find a haven here, with excellent public schools, numerous parks, and a strong sense of community fostering a nurturing environment for children.
The city's intellectual spirit thrives thanks to Colorado State University, offering a wealth of cultural events, museums, and educational opportunities. This vibrant atmosphere extends to a thriving arts scene with theaters, art galleries, and a renowned symphony orchestra. Foodies can delight in a diverse culinary landscape featuring farm-to-table restaurants, ethnic cuisine, and trendy cafes.
Fort Collins prioritizes sustainability, offering a clean and healthy environment with green spaces and pedestrian/biking paths. Enjoy the best of both worlds with a close-knit community feel, while remaining conveniently close to the excitement of Denver. Take day trips to explore museums, sporting events, and a wider variety of entertainment options. Finally, experience all four distinct seasons, from mild summers to snowy winters perfect for cozy nights by the fireplace or thrilling winter sports adventures. Fort Collins truly offers something for everyone.
Sustainability
Fort Collins is a leader in sustainability initiatives, with a strong focus on renewable energy and environmental protection. Enjoy a clean and healthy environment with plenty of green spaces and walking/biking paths.
Foodie Haven
Fort Collins’ culinary options go beyond breweries! Explore a diverse culinary scene with farm-to-table restaurants, ethnic cuisine, and trendy cafes. Savor fresh, local ingredients and support local businesses.
Access to Cities
While you have a small community feel in Ft. Collins, you can still get to larger cities with more amenities in just a few minutes. Travel south 45 minutes to Denver for all the Mile High City has to offer, or take a short trip across the northern border to enjoy Cheyenne, Wyoming.
Ft. Collins Average Time On Market Means Simpler Bidding For You
While many cities in Colorado continue to see homes be listed and sold within the same week, Ft. Collins’ real estate has stayed steadier with more reasonable listing timelines. During the real estate boom of 2020-2021, Ft. Collins saw a similar speedy turnaround time on their properties. Today, Ft. Collins offers a healthy and balanced listing market, meaning many buyers have an opportunity to buy a home without a fight at the bidding table.
For The Outdoor Explorers
Bucking Horse: This dynamic neighborhood borders the Spring Creek Natural Area, offering immediate access to hiking, biking, and water sports opportunities. Residents enjoy an active lifestyle with nature right at their doorstep.
Lory State Park: Nestled against the foothills, Lory State Park offers a unique opportunity to live within a state park. Residents enjoy unparalleled access to hiking, biking, rock climbing, and stunning scenery.
Roger's Park: This vibrant neighborhood sits near the Poudre River Trail, providing easy access to various outdoor activities. The proximity to the Whitewater Park allows for kayaking and rafting adventures.
Which area of Ft. Collins is right for you?
For Walkable Neighborhoods
Old Town: This historic district is a pedestrian's paradise, with shops, restaurants, breweries, and entertainment venues all within walking distance. Residents enjoy a car-free lifestyle in the heart of the city.
Prospect/Shields: This central location offers a vibrant mix of residential and commercial spaces, allowing residents to walk to shops, restaurants, parks, and schools. The walkable environment fosters a sense of community and convenience.
Campus West: Situated near Colorado State University, Campus West offers a lively atmosphere with shops, restaurants, and entertainment options all within walking distance. Residents enjoy a car-free lifestyle close to the university's energy.
For Those Brewery Lovers
Old Town: The heart of Fort Collins, Old Town, boasts a lively atmosphere with over 20 breweries within walking distance. Residents enjoy the convenience of exploring the breweries, restaurants, and shops, all in a historic setting.
Mason Court: This up-and-coming area near Old Town features a mix of residential and commercial spaces, with several breweries calling it home. Residents enjoy the walkability and easy access to the craft beer scene.
Prospect/Shields: This centrally located neighborhood offers a good selection of breweries alongside restaurants, shops, and entertainment options. Craft beer enthusiasts will appreciate the variety and convenience this area provides.
A Perfect Place For Families
Huntington Hills: This established neighborhood offers spacious homes, mature trees, and close proximity to Fossil Creek Park, ideal for families with children. Many families enjoy the easy access to schools in this area.
Southridge: Known for its quiet streets and family-friendly atmosphere, Southridge features parks, schools, and a community pool. It's a great choice for families seeking a peaceful haven.
Prospect/Shields: This central location boasts a mix of housing options, from single-family homes to townhomes, all within walking distance to parks, schools, and shops. It's perfect for families who value convenience.
Great for Retirees
City Park: This historic district offers a charming atmosphere with mature trees, bungalow-style homes, and a close-knit community. Retirees enjoy the proximity to the scenic City Park and the vibrant downtown area.
Lowe Spur: This established neighborhood provides a tranquil setting with easy access to walking paths, biking trails, and the Poudre River Trail. Many retirees enjoy the abundance of green space and opportunities for outdoor recreation.
Foxborough: This quieter suburb bordering Fort Collins offers larger lots, scenic views, and a relaxed atmosphere, perfect for retirees seeking peace and quiet.
For Mountain Views
Westgate: Perched on a hill on the city's west side, Westgate offers stunning panoramic views of the Rockies. Residents enjoy easy access to hiking and biking trails, making it ideal for nature lovers.
Lowe Spur: Homes on the western edges of Lowe Spur boast breathtaking mountain vistas. This neighborhood also provides easy access to the scenic Poudre River Trail.
Country Club North: Located north of Fort Collins, Country Club North offers rolling hills and stunning mountain vistas. This upscale neighborhood features larger lots and a sense of seclusion, all while remaining close to city amenities.
Still unsure where you want to be?
Get Your Property Report
Understanding your home ownership options as a current owner greatly depends on your current residence. Would you meet your financial goals by selling, refinancing, renovating, or maybe buying an investment property nearby? Get a sense of your current property’s value with a free property report.
Mortgage Options For Fort Collins Buyers
Building your life in Fort Collins will include finding a home. Working with Becky will ensure you not only have a variety of loan programs to choose from, but also a experienced real estate agent to help guide you through your process.
Working with a mortgage broker is like having a personal shopper for your loan. We review available loan programs from a variety of different lenders to find the best loan for your plans and goals. Here are a few loan programs of those options:
FHA Loans
Designed for first time buyers, FHA loans offer flexible credit requirements and lower down payment options than conventional loans.
VA Loans
Created to support the brave men and women of our military, VA loans make a great options for our veterans.
DSCR Loans
Looking to get into real estate investment? Find out how a DSCR loan can make the leap into this field simpler.
Jumbo Loans
Designed to offer more buying options for higher-priced homes, jumbo loans allow buyers to reap the benefits of conventional loan programs for luxury properties.
More Mortgage Programs Offered to Colorado Home Buyers
Meet Your Mortgage Broker
Becky Watkins
Senior Mortgage Broker, NMLS #327288
Nexa Mortgage LLC
505-235-9810
becky.nexalo@gmail.com
I’ve spent over 30 years in the real estate and mortgage industries. With my license to originate loans as well as a real estate license, I have unique access to data, loan programs, and services that can offer you a 360 degree view of your home shopping experience. Check with Beck before you take the leap to homeownership. I can help you navigate your questions and options, giving you confidence in your home decisions.
What is a mortgage broker?
A mortgage broker acts as an intermediary between borrowers and multiple lenders, helping individuals find the most suitable mortgage terms and interest rates from a variety of financial institutions. In contrast, a standard retail loan officer typically works directly for a single lending institution and assists clients in securing loans offered by that specific lender.
Think of me as your mortgage concierge, guiding you to the best decision by narrowing down your options to the best selections for your specific goals, needs, and wants.
Other Areas We Serve
Boulder, Colorado
Boulder's unique character requires a nuanced understanding. Our local mortgage brokers will guide you through Boulder's specific lending landscape, ensuring you get the best possible financing for your new home.
Denver, Colorado
Denver's competitive market demands a strategic approach. Our experienced brokers have the local knowledge and connections to navigate multiple lenders and find the most competitive rates and terms for your Denver home.
Colorado Springs, Colorado
Colorado Springs boasts a strong military presence and a flourishing housing market. Our local mortgage brokers are experts in navigating VA loans and other programs that can help veterans and active-duty personnel achieve their homeownership goals.
Fort Collins, Colorado
Fort Collins offers a vibrant community with diverse housing options. Our mortgage brokers understand the local market and can help you navigate financing options, from first-time homebuyer programs to jumbo loans for luxury properties.
Serving Home Buyers in New Mexico
In New Mexico's diverse market, an experienced mortgage broker can guide you toward the right loan option, whether you're drawn to Albuquerque's urban core or Santa Fe's unique charm. Their local knowledge helps you understand neighborhood nuances and secure the financing that aligns with your dream home.
Serving Home Buyers in Colorado
The Colorado housing market can be competitive, but a local mortgage broker can help you navigate it with ease. Their expertise in local loan programs and connections with lenders ensure you get the best rates and navigate the complexities of the process.
Albuquerque, New Mexico
Albuquerque’s housing market requires a seasoned mortgage broker to navigate local loan options and programs. We'll help you find the perfect fit for your needs, from historic districts to modern communities.
Santa Fe, New Mexico
Santa Fe's charm comes with distinct financing considerations. Our local experts understand the intricacies of the Santa Fe market, ensuring a smooth and successful homebuying journey.
Rio Rancho, New Mexico
Rio Rancho's rapid growth offers exciting opportunities. Our mortgage brokers stay informed about the latest loan options for this dynamic market, helping you secure the best deal on your dream home.
Feel Informed and Confident In Your Mortgage Decision
Get the information you need to feel happy with your mortgage choices. Find details about loan programs, qualifications, documents, strategies and more on our Mortgage Broker Blog.
