FHA Income Limits in Colorado | Do FHA Loans Have Income Limits?

FHA Income Limits in Colorado for Homebuyers

One of the questions I hear from many first-time buyers is: “Are there income limits for FHA loans in Colorado?” The short answer is: no — FHA loans don’t have a set income limit. But there are some important details you should know as you’re planning your home purchase. FHA Loans Don’t Have Traditional Income…

If you’re planning to buy a home in Colorado using an FHA loan, it’s important to understand how FHA loan limits work. These limits affect how much you can borrow based on where you’re buying and the type of property you’re purchasing. Here’s a simple explanation of FHA loan limits in Colorado for 2025. What…

A timeline graphic illustrating the typical steps and duration of buying a house in Colorado, from pre-approval to closing.

One of the first questions many aspiring homeowners in Colorado ask is, “How long does it typically take to buy a house?” It’s a completely natural question, and understanding the typical timeline can help you feel more prepared and confident as you navigate the journey to homeownership across our diverse communities. While there’s no single,…

Person holding a credit card while typing on a laptop, symbolizing managing credit score for a home purchase in Colorado.

As a seasoned loan officer in Centennial, Colorado, I get asked this question almost every day: “What credit score do I need to buy a house?” It’s a fantastic question, and one of the most common concerns for prospective homebuyers across Castle Rock, Denver, Parker, Aurora, Lone Tree, Englewood, Highlands Ranch, Littleton, and Greenwood Village.…

Charming Colorado country home in autumn, symbolizing the dream property made possible with mortgage pre-approval.

Buying a home in Colorado’s dynamic market is an exciting journey, but it can also be incredibly competitive. Before you even start touring homes or scrolling through listings, there’s one crucial step that can make all the difference: getting mortgage pre-approved. For Colorado homebuyers, pre-approval isn’t just a suggestion; it’s often a necessity for a…

Picturesque Colorado mountain home, perfect for an Airbnb or VRBO rental, with a serene pond.

Colorado’s stunning landscapes, vibrant cities, and thriving tourism industry make it a prime location for short-term rental investments like Airbnb and VRBO. However, investors often hit a roadblock when it comes to financing: how do traditional lenders view that fluctuating, non-traditional income? The good news is, yes, you absolutely can use a Non-QM loan to…

Buying a home in Colorado is an exciting prospect, whether you’re drawn to the vibrant energy of Denver, the stunning mountain views of the Front Range, or the charming communities throughout the state. However, the process can feel overwhelming if you don’t know where to begin. As a local Colorado lender dedicated to educating and…

“Is it harder to get a loan for a manufactured home?” This is a frequent and excellent question I hear from prospective homebuyers across Colorado. The short answer is: it’s not necessarily harder, but it is different. Understanding these differences is key to navigating the financing process successfully and achieving your homeownership goals. Manufactured homes…

US Bank building exterior, representing a financial institution offering Bank Statement Loans in Colorado

One of the most frequent questions I hear from Colorado’s thriving community of self-employed individuals and business owners is about navigating the mortgage process without traditional W-2s. Specifically, “What is the minimum credit score for a bank statement loan?” It’s a great question, and understanding this can unlock homeownership for many. Bank statement loans are…

Long bridge spanning a valley, symbolizing how bridge loans connect selling an old home to buying a new one in Colorado.

In Colorado’s dynamic real estate market, timing your home purchase and sale can feel like a delicate dance. Many homeowners find themselves in a challenging situation: they want to buy a new home, but need the equity from their current property to do so. This is precisely where a bridge loan in Colorado can become…