Fort Collins Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Fort Collins, Colorado (License #152318). Larimer County (Fort Collins) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, FHA, or VA loans.
Fort Collins anchors Northern Colorado with a university-driven economy and strong quality-of-life appeal. Purchase demand stays steady across first-time and move-up buyers, making fast pre-approval valuable.
Today's Fort Collins Mortgage Rates
Live best-execution Colorado rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
FHA 30-Yr Fixed
5.625%
APR 5.779%
VA 30-Yr Fixed
5.625%
APR 5.795%
Jumbo 30-Yr Fixed
6.500%
APR 6.602%
Rates subject to change. See Rate Assumptions.
Fort Collins Home Loan Facts
Median Home Price
~$560,000
Curated Fort Collins estimate.
2026 Conforming Limit
$832,750
Larimer County baseline reference.
County
Larimer County
Loan limits are set at the county level.
Loan Limits & Market
Larimer County (Fort Collins) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, FHA, or VA loans.
From Old Town and the CSU area to Timnath, Wellington, and the surrounding Larimer County communities, Fort Collins draws relocating professionals and families. Conventional loans dominate, with FHA and CHFA assistance common among first-time buyers.
Fort Collins Highlights
- Baseline conforming limit of $832,750 (2026)
- University-driven Northern Colorado economy
- CHFA down payment assistance widely used
- Conventional, FHA, and VA options supported
Property Taxes in Colorado
Colorado has one of the lower effective property tax rates in the country, though local mill levies vary by county and district.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Colorado
CHFA FirstStep
FHA first mortgage for first-time buyers and qualified veterans.
CHFA Down Payment Assistance
Grant or second-mortgage assistance toward down payment and closing costs.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Fort Collins, Colorado
Your Fort Collins loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Colorado mortgage license (#152318). See our full licensing & disclosures for details.
Meet Ivan HendrenFort Collins Mortgage FAQ
What is the conforming loan limit in Fort Collins for 2026?
Larimer County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Loans above that amount are financed as jumbo loans.
Is Fort Collins good for first-time buyers?
Yes. Fort Collins offers relative value in Northern Colorado, and first-time buyers frequently pair FHA or conventional financing with CHFA down payment assistance.
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