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COLORADO
VA LOANS

Eligible veterans and their families may
be able to buy a home with no money
down through Houz Mortgage with
credit scores as low as 580!

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BENEFITS OF VA-LOANS

  • Buy a home with no down payment
  • Refinance up to 120% of your home’s current value
  • Use your VA loan benefits even if you have used them in the past
  • treamline refinance available for veterans already in a VA mortgage loan (lower fees and less documentation)
  • No monthly private mortgage insurance (PMI)
  • FICO scores as low as 580 may qualify
  • No prepayment penalties, pay more anytime
  • Funding Fee can be rolled back into the loan instead of out of pocket to lower your closing costs

Houz Mortgage offers VA Loans to veterans, current military members, and the surviving spouses of veterans. Honorable military service has earned this benefit with incredibly low interest rates, flexible terms, and as little as 0% down payment, no private mortgage insurance (PMI), and more flexibility in qualifying. Houz Mortgage offers a variety of terms including 10 year, 15 year, 30 year, and adjustable rate mortgage options.

Colorado VA Loans are mortgage loans guaranteed by the United States Department of Veteran Affairs (VA). Only approved lenders are able of issuing VA guaranteed mortgage loans. The purpose is to help veterans, active duty military, and surviving spouses to purchase homes and to refinance their existing mortgages.

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HOUZ MORTGAGE ALSO OFFERS JUMBO VA LOANS FOR QUALIFIED BORROWERS
FOR LOAN AMOUNTS EVEN HIGHER THAN THOSE LISTED BELOW.
2020 CONFORMING LOAN LIMITS OR COLORADO

The table below conforming loan limits for all Colorado counties and for all units types. Keep in mind that a
single-family residence is referred to us a 1-unit property below, so if you are thinking f buying a single-family home in 2020,
refer to the 1-unit column below. Duplexes are referred to us 2-unit properties, triplexes are referred to as 3-unit properties and
multi-plexes are referred as 4-unit properties below.

County Name State CBSA Number One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
ADAMS CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
ALAMOSA CO  $ 484,350  $ 620,200  $    749,650  $    931,600
ARAPAHOE CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
ARCHULETA CO  $ 484,350  $ 620,200  $    749,650  $    931,600
BACA CO  $ 484,350  $ 620,200  $    749,650  $    931,600
BENT CO  $ 484,350  $ 620,200  $    749,650  $    931,600
BOULDER CO 14500  $ 626,750  $ 802,350  $    969,850  $ 1,205,300
BROOMFIELD CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
CHAFFEE CO  $ 484,350  $ 620,200  $    749,650  $    931,600
CHEYENNE CO  $ 484,350  $ 620,200  $    749,650  $    931,600
CLEAR CREEK CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
CONEJOS CO  $ 484,350  $ 620,200  $    749,650  $    931,600
COSTILLA CO  $ 484,350  $ 620,200  $    749,650  $    931,600
CROWLEY CO  $ 484,350  $ 620,200  $    749,650  $    931,600
CUSTER CO  $ 484,350  $ 620,200  $    749,650  $    931,600
DELTA CO  $ 484,350  $ 620,200  $    749,650  $    931,600
DENVER CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
DOLORES CO  $ 484,350  $ 620,200  $    749,650  $    931,600
DOUGLAS CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
EAGLE CO 20780  $ 696,900  $ 892,150  $ 1,078,400  $ 1,340,200
ELBERT CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
EL PASO CO 17820  $ 484,350  $ 620,200  $    749,650  $    931,600
FREMONT CO 15860  $ 484,350  $ 620,200  $    749,650  $    931,600
GARFIELD CO 24060  $ 718,750  $ 920,150  $ 1,112,250  $ 1,382,250
GILPIN CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
GRAND CO  $ 484,350  $ 620,200  $    749,650  $    931,600
GUNNISON CO  $ 484,350  $ 620,200  $    749,650  $    931,600
HINSDALE CO  $ 484,350  $ 620,200  $    749,650  $    931,600
HUERFANO CO  $ 484,350  $ 620,200  $    749,650  $    931,600
JACKSON CO  $ 484,350  $ 620,200  $    749,650  $    931,600
JEFFERSON CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
KIOWA CO  $ 484,350  $ 620,200  $    749,650  $    931,600
KIT CARSON CO  $ 484,350  $ 620,200  $    749,650  $    931,600
LAKE CO  $ 625,500  $ 800,775  $    967,950  $ 1,202,925
LA PLATA CO 20420  $ 484,350  $ 620,200  $    749,650  $    931,600
LARIMER CO 22660  $ 484,350  $ 620,200  $    749,650  $    931,600
LAS ANIMAS CO  $ 484,350  $ 620,200  $    749,650  $    931,600
LINCOLN CO  $ 484,350  $ 620,200  $    749,650  $    931,600
LOGAN CO 44540  $ 484,350  $ 620,200  $    749,650  $    931,600
MESA CO 24300  $ 484,350  $ 620,200  $    749,650  $    931,600
MINERAL CO  $ 484,350  $ 620,200  $    749,650  $    931,600
MOFFAT CO 18780  $ 484,350  $ 620,200  $    749,650  $    931,600
MONTEZUMA CO  $ 484,350  $ 620,200  $    749,650  $    931,600
MONTROSE CO 33940  $ 484,350  $ 620,200  $    749,650  $    931,600
MORGAN CO 22820  $ 484,350  $ 620,200  $    749,650  $    931,600
OTERO CO  $ 484,350  $ 620,200  $    749,650  $    931,600
OURAY CO  $ 484,350  $ 620,200  $    749,650  $    931,600
PARK CO 19740  $ 561,200  $ 718,450  $    868,400  $ 1,079,250
PHILLIPS CO  $ 484,350  $ 620,200  $    749,650  $    931,600
PITKIN CO 24060  $ 718,750  $ 920,150  $ 1,112,250  $ 1,382,250
PROWERS CO  $ 484,350  $ 620,200  $    749,650  $    931,600
PUEBLO CO 39380  $ 484,350  $ 620,200  $    749,650  $    931,600
RIO BLANCO CO  $ 484,350  $ 620,200  $    749,650  $    931,600
RIO GRANDE CO  $ 484,350  $ 620,200  $    749,650  $    931,600
ROUTT CO 44460  $ 625,500  $ 800,775  $    967,950  $ 1,202,925
SAGUACHE CO  $ 484,350  $ 620,200  $    749,650  $    931,600
SAN JUAN CO  $ 484,350  $ 620,200  $    749,650  $    931,600
SAN MIGUEL CO  $ 625,500  $ 800,775  $    967,950  $ 1,202,925
SEDGWICK CO  $ 484,350  $ 620,200  $    749,650  $    931,600
SUMMIT CO 14720  $ 625,500  $ 800,775  $    967,950  $ 1,202,925
TELLER CO 17820  $ 484,350  $ 620,200  $    749,650  $    931,600
WASHINGTON CO  $ 484,350  $ 620,200  $    749,650  $    931,600
WELD CO 24540  $ 484,350  $ 620,200  $    749,650  $    931,600
YUMA CO  $ 484,350  $ 620,200  $    749,650  $    931,600

  VA LOAN QUESTIONS

What can VA Loans be used for?

VA Loans can be used for purchasing a new home, refinancing to lower your interest rate, or to receive cash out using your home’s equity.

Do I need to pay PMI with a VA Loan?

No, you do not need to pay for any type of mortgage insurance with a VA loan.

What is a VA Funding Fee?

The VA funding fee is charged to maintain VA loan availability for future veterans and their families without burdening tax payers and veterans.

Do I need to pay the VA funding fee out of pocket?

Most veterans roll the VA funding fee back into their loan and do not pay if out of pocket.

Will I need to pay the VA funding fee and how
much will it cost?

Veterans with service-connected disabilities do not normally need to pay the funding fee. The fee for other veterans can vary based on the veteran’s circumstances. Most veterans using their benefits for the first time have a funding fee of 2.15% and subsequent VA mortgage loans have a funding fee of about 3.3%. Call us to find out what your funding fee will be for your specific to your situation.

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  VA LOAN LIMITS

The VA limits the maximum guaranty amount is $424,100 except for a few counties that have loan limits that are higher based on the county median home values reported by the Federal Housing Administration (FHA).

FOR MORE INFORMATION, YOU MAY CONTACT THE VA REGIONAL LOAN CENTER:

VA Regional Loan Center
155 Van Gordon Street
Lakewood, CO 80228
(Mail: Box 25126, Denver, CO 80225)

HOUZ MORTGAGE OFFICE IS LOCATED IN METRO DENVER. WE ALSO WITH CLIENTS ACROSS THE ENTIRE STATE OF
COLORADO, INCLUDING COLORADO SPRINGS, FT. COLLINS, BOULDER AND THE FOLLOWING CITIES:
Arvada, Aspen, Aurora, Avon, Basalt, Beaver Creek, Boulder, Breckenridge, Brighton, Broomfield, Carbondale,
Castle Pines, Castle Rock, Centennial, Colorado Springs, Commerce City, Conifer, Dacono, Denver, Dillon, Eagle,
Edgewater, Edwards, Elizabeth, Englewood, Erie, Evergreen, Fort Collins, Fort Lupton, Fort Morgan, Fraser,
Frisco, Genesee, Georgetown, Glendale, Glenwood Springs, Golden, Grand Junction, Grand Lake, Greenwood
Village, Gypsum, Henderson, Highlands Ranch, Hudson, Idaho Springs, Johnstown, Ken Caryl, Keystone, Lafayette,
Lakewood, Larkspur, Littleton, Lone Tree, Longmont, Louisville, Lyons, Manitou Springs, Monument, Morrison,
Nederland, Northglenn, Parker, Pueblo, Roxborough Park, Sedalia, Sheridan, Silverthorne, Snowmass, Sterling,
Superior, Thornton, Vail, Westminster, Wheat Ridge, Winter Park, Woodland Park, Woody Creek