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Colorado

VA Loans

THINKING ABOUT BUYING A HOME?

If you're a veteran, active-duty service member, or qualifying spouse in Colorado, a VA loan offers one of the most affordable paths to homeownership—with no down payment and no private mortgage insurance required.

Colorado VA LOAN

Unlike conventional or FHA loans, VA loans are specifically designed for military-connected borrowers and come with unique benefits not found in other programs.

There are no loan limits for qualified buyers with full entitlement, meaning you can purchase a home above typical conforming limits without needing a jumbo loan.

VA loans offer competitive interest rates, typically lower than conventional rates, and include limits on closing costs to protect the borrower.

Additionally, Colorado VA loans allow for more flexible credit and income guidelines, making it easier for borrowers with less-than-perfect credit or non-traditional income to qualify.

For eligible buyers, a VA loan is often the most powerful mortgage product available—offering unmatched affordability and long-term value.

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VA Loans

and How They Work

VA loans are government-backed mortgages available to eligible veterans, active-duty military members, and certain surviving spouses. These loans are guaranteed by the U.S. Department of Veterans Affairs and designed to make homeownership more accessible and affordable for those who’ve served.
One of the biggest advantages of a VA loan is that it requires no down payment —allowing qualified buyers to purchase a home with little to no upfront cash. Additionally, VA loans do not require private mortgage insurance (PMI), which can save borrowers hundreds of dollars each month.
In Colorado, where military families and veterans make up a significant part of the community, VA loans provide a reliable, cost-effective way to buy, build, or refinance a home.
VA loans are available for single-family homes, townhomes, and certain condos that meet VA guidelines. They can also be used for refinancing through the VA’s Interest Rate Reduction Refinance Loan (IRRRL) or cash-out refinance programs.

How to Qualify for a

VA Mortgage Loan

To qualify for a VA loan, you must meet military service requirements. This typically includes:
- 90 days of active-duty service during wartime,
- 181 days of service during peacetime,
- or 6 years of service in the National Guard or Reserves.
Certain surviving spouses of deceased veterans may also be eligible.
You’ll need to obtain a Certificate of Eligibility (COE)
from the VA, which confirms your qualification status.
Most VA lenders require a credit score of at least 620, though some may go lower depending on the lender and financial profile. Income, employment history, and debt-to-income ratio will also be evaluated, but with more flexibility than conventional loan guidelines.
VA loans do not require a down payment, though you may still need to cover some closing costs unless they are negotiated into the purchase.

VA loans are different from

other mortgages

VA loans come with a long list of benefits that make them one of the most affordable mortgage options available.

There’s no down payment required , and you’ll never have to pay private mortgage insurance (PMI), even if you finance 100% of the home’s value.

Interest rates on VA loans are often lower than those on conventional loans, helping you save money over the life of the loan.

There are also limits on what you can be charged for closing costs , and sellers are allowed to pay a portion of your closing costs as part of the negotiation.

Whether you’re buying your first home or refinancing your current one, VA loans offer unmatched flexibility, low cost, and long-term savings—exclusively for those who’ve served.