Fort Collins Mortgage Broker
Looking for the best mortgage rates in Fort Collins? With trusted local support every step of the way, Robert Castle Mortgage makes the process simple. Whether you’re applying for an FHA, VA, or conventional loan, we offer solutions tailored to Colorado homeowners. From Old Town to the Harmony Corridor, we understand the Fort Collins housing market inside and out. In addition, we proudly serve nearby communities like Loveland, Windsor, and Timnath.
Why Fort Collins Homebuyers Choose Robert
- ✔ Over 15 years of mortgage experience
- ✔ Fast pre-approvals and local service
- ✔ Competitive FHA, VA, and conventional rates
- ✔ Personalized guidance from start to close
- ✔ Self-employed borrower solutions
Fort Collins Mortgage Rate Trends
As of July 2025, mortgage rates in Fort Collins continue to shift slightly. Currently, 30‑year fixed rates range between 6.65% and 6.75%. This movement reflects broader national trends, often driven by inflation updates, Federal Reserve policy changes, and fluctuations in housing supply.
Earlier in 2024, rates briefly dipped below 6.2%. However, today’s rates appear more stable, with fewer daily changes—although they still remain above the historic lows of 2020 and 2021. Fortunately, Colorado’s average 30‑year fixed rate is just below the national average, which gives Fort Collins buyers a slight advantage.
At the same time, home prices in the area are holding steady, though sellers have become more flexible. Right now, the median home price is about $585,000, with homes typically staying on the market for 42 to 50 days. Because of this, many sellers are willing to offer concessions—such as closing cost assistance or rate buy‑downs—which can help reduce your monthly payment.
To find out if locking in a rate now is a smart move for your situation, call us at (970) 690‑3383. We’ll walk you through the options based on your timeline, credit profile, and down payment.
2025 Fort Collins Mortgage Rates
Below is a local rate snapshot maintained by Robert Castle Mortgage. These are example rates based on a $400,000 loan with 20% down, updated July 18, 2025.
| Loan Type | Interest Rate | APR | Points | Monthly Payment* |
|---|---|---|---|---|
| 30-Year Fixed | 6.71% | 6.85% | 0.6 | $2,014 |
| 15-Year Fixed | 5.92% | 6.10% | 0.4 | $3,041 |
| FHA 30-Year | 6.62% | 7.18% | 1.0 | $1,899 |
| VA 30-Year | 6.25% | 6.54% | 0.5 | $1,845 |
| Jumbo 30-Year | 7.02% | 7.15% | 0.8 | $3,600+ |
*Monthly payments are estimates based on principal and interest only. Contact us for a full quote based on your credit profile and loan details.
Loan Types Available in Fort Collins
Choosing the right loan program is critical for maximizing affordability and approval odds. Explore your options below:
Conventional Loans
Ideal for buyers with strong credit and 3%+ down. These loans offer flexibility, competitive rates, and no upfront mortgage insurance.
Click here to learn moreFHA Loans
Government-backed mortgages for buyers with lower credit scores or smaller down payments (as low as 3.5%). Great for first-time homeowners in Fort Collins.
Click here to learn moreVA Loans
For eligible veterans, active-duty military, and surviving spouses. VA loans offer 0% down, no PMI, and low rates for those who qualify.
Click here to learn moreJumbo Loans
For loan amounts above conforming limits (>$766,550 in Larimer County). Common for luxury homes and multi-units. Requires excellent credit and assets.
Click here to learn moreUSDA Loans
Backed by the U.S. Department of Agriculture, USDA loans offer 0% down for properties in rural areas surrounding Fort Collins like Wellington and Berthoud.
Click here to learn moreWhy Fort Collins Homebuyers Choose Robert Castle Mortgage
Fort Collins has no shortage of mortgage lenders — including well-known names like Harmony Home Mortgage, Uptown Mortgage, and Elevations Credit Union. While each firm brings something to the table, our clients consistently choose Robert Castle Mortgage for our personalized service, local insight, and transparent communication.
- Locally owned & operated: Based in Fort Collins — we live and work in the community we serve.
- Tailored loan guidance: No “one size fits all.” We walk you through every step and loan type.
- Faster closings: Our team keeps deals moving so you don’t miss out in a competitive market.
- Self-employed? No problem: We specialize in unique income situations and custom approvals.
⭐⭐⭐⭐⭐ Trusted by Fort Collins Homebuyers
“Rob made the whole process easy. I had a complicated income situation and he still got us approved fast. Highly recommend!”
– Jessica L., Fort Collins CO
“We compared 3 brokers and Rob was the only one who actually explained things clearly. Wouldn’t go anywhere else.”
– Brian R., Windsor CO
Check our featured reviews on Expertise.com.
Frequently Asked Questions
What is the most common mortgage in Fort Collins?
Conventional 30-year fixed-rate loans are the most popular due to their flexibility and affordability, especially among buyers with strong credit and stable income.
Can I qualify for a VA loan in Colorado?
Yes — if you’re a veteran, active-duty service member, or eligible surviving spouse. VA loans offer 0% down and no PMI, making them ideal for many buyers in Northern Colorado.
What’s the difference between FHA and conventional loans?
FHA loans are backed by the government and more lenient on credit and down payment requirements. Conventional loans have stricter guidelines but offer lower long-term costs.
Robert Castle
As a trusted and experienced mortgage broker, Robert is here to help you navigate the home financing process with clarity and confidence. With a strong focus on personalized service and deep industry knowledge, he is dedicated to finding the right mortgage solution for your unique needs and budget. Whether you’re buying your first home or looking to refinance, Robert will guide you through every step of the journey. Most importantly, he works hard to make your homebuying experience smooth and rewarding—while helping you secure some of the best mortgage rates in Fort Collins.
Get in contact with Robert
(970)690-3383