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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 NameStateCBSA NumberOne-Unit LimitTwo-Unit LimitThree-Unit LimitFour-Unit Limit
ADAMSCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
ALAMOSACO $ 484,350 $ 620,200 $    749,650 $    931,600
ARAPAHOECO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
ARCHULETACO $ 484,350 $ 620,200 $    749,650 $    931,600
BACACO $ 484,350 $ 620,200 $    749,650 $    931,600
BENTCO $ 484,350 $ 620,200 $    749,650 $    931,600
BOULDERCO14500 $ 626,750 $ 802,350 $    969,850 $ 1,205,300
BROOMFIELDCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
CHAFFEECO $ 484,350 $ 620,200 $    749,650 $    931,600
CHEYENNECO $ 484,350 $ 620,200 $    749,650 $    931,600
CLEAR CREEKCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
CONEJOSCO $ 484,350 $ 620,200 $    749,650 $    931,600
COSTILLACO $ 484,350 $ 620,200 $    749,650 $    931,600
CROWLEYCO $ 484,350 $ 620,200 $    749,650 $    931,600
CUSTERCO $ 484,350 $ 620,200 $    749,650 $    931,600
DELTACO $ 484,350 $ 620,200 $    749,650 $    931,600
DENVERCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
DOLORESCO $ 484,350 $ 620,200 $    749,650 $    931,600
DOUGLASCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
EAGLECO20780 $ 696,900 $ 892,150 $ 1,078,400 $ 1,340,200
ELBERTCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
EL PASOCO17820 $ 484,350 $ 620,200 $    749,650 $    931,600
FREMONTCO15860 $ 484,350 $ 620,200 $    749,650 $    931,600
GARFIELDCO24060 $ 718,750 $ 920,150 $ 1,112,250 $ 1,382,250
GILPINCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
GRANDCO $ 484,350 $ 620,200 $    749,650 $    931,600
GUNNISONCO $ 484,350 $ 620,200 $    749,650 $    931,600
HINSDALECO $ 484,350 $ 620,200 $    749,650 $    931,600
HUERFANOCO $ 484,350 $ 620,200 $    749,650 $    931,600
JACKSONCO $ 484,350 $ 620,200 $    749,650 $    931,600
JEFFERSONCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
KIOWACO $ 484,350 $ 620,200 $    749,650 $    931,600
KIT CARSONCO $ 484,350 $ 620,200 $    749,650 $    931,600
LAKECO $ 625,500 $ 800,775 $    967,950 $ 1,202,925
LA PLATACO20420 $ 484,350 $ 620,200 $    749,650 $    931,600
LARIMERCO22660 $ 484,350 $ 620,200 $    749,650 $    931,600
LAS ANIMASCO $ 484,350 $ 620,200 $    749,650 $    931,600
LINCOLNCO $ 484,350 $ 620,200 $    749,650 $    931,600
LOGANCO44540 $ 484,350 $ 620,200 $    749,650 $    931,600
MESACO24300 $ 484,350 $ 620,200 $    749,650 $    931,600
MINERALCO $ 484,350 $ 620,200 $    749,650 $    931,600
MOFFATCO18780 $ 484,350 $ 620,200 $    749,650 $    931,600
MONTEZUMACO $ 484,350 $ 620,200 $    749,650 $    931,600
MONTROSECO33940 $ 484,350 $ 620,200 $    749,650 $    931,600
MORGANCO22820 $ 484,350 $ 620,200 $    749,650 $    931,600
OTEROCO $ 484,350 $ 620,200 $    749,650 $    931,600
OURAYCO $ 484,350 $ 620,200 $    749,650 $    931,600
PARKCO19740 $ 561,200 $ 718,450 $    868,400 $ 1,079,250
PHILLIPSCO $ 484,350 $ 620,200 $    749,650 $    931,600
PITKINCO24060 $ 718,750 $ 920,150 $ 1,112,250 $ 1,382,250
PROWERSCO $ 484,350 $ 620,200 $    749,650 $    931,600
PUEBLOCO39380 $ 484,350 $ 620,200 $    749,650 $    931,600
RIO BLANCOCO $ 484,350 $ 620,200 $    749,650 $    931,600
RIO GRANDECO $ 484,350 $ 620,200 $    749,650 $    931,600
ROUTTCO44460 $ 625,500 $ 800,775 $    967,950 $ 1,202,925
SAGUACHECO $ 484,350 $ 620,200 $    749,650 $    931,600
SAN JUANCO $ 484,350 $ 620,200 $    749,650 $    931,600
SAN MIGUELCO $ 625,500 $ 800,775 $    967,950 $ 1,202,925
SEDGWICKCO $ 484,350 $ 620,200 $    749,650 $    931,600
SUMMITCO14720 $ 625,500 $ 800,775 $    967,950 $ 1,202,925
TELLERCO17820 $ 484,350 $ 620,200 $    749,650 $    931,600
WASHINGTONCO $ 484,350 $ 620,200 $    749,650 $    931,600
WELDCO24540 $ 484,350 $ 620,200 $    749,650 $    931,600
YUMACO $ 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