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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.
2022 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 2022,
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 One-Unit (Single-Family) Two-Unit (Duplex) Three-Unit (Triplex) Four-Unit (Multi-Plex)
ADAMS COUNTY $684,250 $875,950 $1,058,850 $1,315,900
ALAMOSA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
ARAPAHOE COUNTY $684,250 $875,950 $1,058,850 $1,315,900
ARCHULETA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
BACA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
BENT COUNTY $647,200 $828,700 $1,001,650 $1,244,850
BOULDER COUNTY $747,500 $956,950 $1,156,700 $1,437,500
BROOMFIELD COUNTY $684,250 $875,950 $1,058,850 $1,315,900
CHAFFEE COUNTY $647,200 $828,700 $1,001,650 $1,244,850
CHEYENNE COUNTY $647,200 $828,700 $1,001,650 $1,244,850
CLEAR CREEK COUNTY $684,250 $875,950 $1,058,850 $1,315,900
CONEJOS COUNTY $647,200 $828,700 $1,001,650 $1,244,850
COSTILLA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
CROWLEY COUNTY $647,200 $828,700 $1,001,650 $1,244,850
CUSTER COUNTY $647,200 $828,700 $1,001,650 $1,244,850
DELTA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
DENVER COUNTY $684,250 $875,950 $1,058,850 $1,315,900
DOLORES COUNTY $647,200 $828,700 $1,001,650 $1,244,850
DOUGLAS COUNTY $684,250 $875,950 $1,058,850 $1,315,900
EAGLE COUNTY $862,500 $1,104,150 $1,334,700 $1,658,700
EL PASO COUNTY $647,200 $828,700 $1,001,650 $1,244,850
ELBERT COUNTY $684,250 $875,950 $1,058,850 $1,315,900
FREMONT COUNTY $647,200 $828,700 $1,001,650 $1,244,850
GARFIELD COUNTY $856,750 $1,096,800 $1,325,800 $1,647,650
GILPIN COUNTY $684,250 $875,950 $1,058,850 $1,315,900
GRAND COUNTY $647,200 $828,700 $1,001,650 $1,244,850
GUNNISON COUNTY $647,200 $828,700 $1,001,650 $1,244,850
HINSDALE COUNTY $647,200 $828,700 $1,001,650 $1,244,850
HUERFANO COUNTY $647,200 $828,700 $1,001,650 $1,244,850
JACKSON COUNTY $647,200 $828,700 $1,001,650 $1,244,850
JEFFERSON COUNTY $684,250 $875,950 $1,058,850 $1,315,900
KIOWA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
KIT CARSON COUNTY $647,200 $828,700 $1,001,650 $1,244,850
LA PLATA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
LAKE COUNTY $647,200 $828,700 $1,001,650 $1,244,850
LARIMER COUNTY $647,200 $828,700 $1,001,650 $1,244,850
LAS ANIMAS COUNTY $647,200 $828,700 $1,001,650 $1,244,850
LINCOLN COUNTY $647,200 $828,700 $1,001,650 $1,244,850
LOGAN COUNTY $647,200 $828,700 $1,001,650 $1,244,850
MESA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
MINERAL COUNTY $647,200 $828,700 $1,001,650 $1,244,850
MOFFAT COUNTY $647,200 $828,700 $1,001,650 $1,244,850
MONTEZUMA COUNTY $647,200 $828,700 $1,001,650 $1,244,850
MONTROSE COUNTY $647,200 $828,700 $1,001,650 $1,244,850
MORGAN COUNTY $647,200 $828,700 $1,001,650 $1,244,850
OTERO COUNTY $647,200 $828,700 $1,001,650 $1,244,850
OURAY COUNTY $647,200 $828,700 $1,001,650 $1,244,850
PARK COUNTY $684,250 $875,950 $1,058,850 $1,315,900
PHILLIPS COUNTY $647,200 $828,700 $1,001,650 $1,244,850
PITKIN COUNTY $856,750 $1,096,800 $1,325,800 $1,647,650
PROWERS COUNTY $647,200 $828,700 $1,001,650 $1,244,850
PUEBLO COUNTY $647,200 $828,700 $1,001,650 $1,244,850
RIO BLANCO COUNTY $647,200 $828,700 $1,001,650 $1,244,850
RIO GRANDE COUNTY $647,200 $828,700 $1,001,650 $1,244,850
ROUTT COUNTY $678,500 $868,600 $1,049,950 $1,304,850
SAGUACHE COUNTY $647,200 $828,700 $1,001,650 $1,244,850
SAN JUAN COUNTY $647,200 $828,700 $1,001,650 $1,244,850
SAN MIGUEL COUNTY $756,700 $968,700 $1,170,950 $1,455,200
SEDGWICK COUNTY $647,200 $828,700 $1,001,650 $1,244,850
SUMMIT COUNTY $822,375 $1,053,000 $1,272,750 $1,581,750
TELLER COUNTY $647,200 $828,700 $1,001,650 $1,244,850
WASHINGTON COUNTY $647,200 $828,700 $1,001,650 $1,244,850
WELD COUNTY $647,200 $828,700 $1,001,650 $1,244,850
YUMA COUNTY $647,200 $828,700 $1,001,650 $1,244,850

  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