The Best Mortgage Lenders in Eaton, CO
Compare verified mortgage lenders serving Eaton, Colorado. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Eaton
Featured Mortgage Lenders
Elevations Credit Union Mortgage Team
Elevations Credit Union
Elevations Credit Union is consistently ranked among the top mortgage lenders in Colorado with exceptional customer satisfaction ratings. They have strong presence across Northern Colorado including serving Eaton residents. Their mortgage team provides personalized service with competitive rates and specializes in first-time homebuyer programs, construction loans, and various refinance options. Members consistently praise their responsive communication and smooth closing processes.
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Guild Mortgage - Greeley Branch
Guild Mortgage Company
Guild Mortgage's Greeley branch serves the Eaton area with outstanding local expertise and national lending power. They maintain a 4.9-star rating with hundreds of positive reviews highlighting their exceptional customer service and competitive rates. Their loan officers have deep knowledge of Weld County's real estate market and offer specialized programs including low down payment options and renovation loans. Guild is renowned for their efficient processing and closing timelines.
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First National Bank of Omaha - Northern Colorado
First National Bank of Omaha
First National Bank of Omaha has a strong Northern Colorado presence and serves Eaton residents with comprehensive mortgage services. As one of Colorado's most established financial institutions, they offer competitive rates and local decision-making with the stability of a major regional bank. Their mortgage team excels at construction and lot loans, which are particularly valuable in growing communities like Eaton. Customers consistently praise their knowledgeable staff and personalized approach to home financing.
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Frequently Asked Questions
Common questions about mortgage lending in Eaton, CO
What are the current mortgage rates like in Eaton, CO, and how do they compare to the national average?
Mortgage rates in Eaton are generally competitive with national averages but can be slightly influenced by local market conditions and property types common in Weld County. Currently, rates for 30-year fixed mortgages in the area typically range from the high 6% to low 7% range, but it's best to check with local lenders for the most accurate, up-to-date quotes as they can vary based on your credit profile and loan specifics.
Are there any first-time homebuyer programs specific to Eaton that can help with down payment or closing costs?
Yes, the Colorado Housing and Finance Authority (CHFA) offers first-time homebuyer programs that are accessible in Eaton, providing down payment assistance and competitive fixed-rate loans. Additionally, some Weld County-specific programs or grants may be available, so it's advisable to consult with a mortgage lender familiar with Northern Colorado's local assistance options to explore all possibilities.
How does Eaton's rural location and proximity to Greeley and Fort Collins impact mortgage lending and property types?
Eaton's status as a growing town near larger employment centers like Greeley and Fort Collins can make it attractive to lenders, but some may have specific criteria for properties on well and septic systems, which are common in the area. You'll find a mix of conventional, FHA, and USDA loans available, with USDA loans being particularly relevant for eligible borrowers looking at more rural properties in the Eaton vicinity.
What should I know about property taxes and insurance when getting a mortgage in Eaton?
Property taxes in Eaton are based on Weld County assessments, which are currently lower than the state average but can vary. Homeowners insurance is a key component of your mortgage payment and may be influenced by factors like hail risk, which is common in Northern Colorado, so it's wise to budget for potential premium differences compared to other regions.
Are there any local lenders in Eaton or Northern Colorado that specialize in mortgages for this market?
Yes, several local and regional banks and credit unions in Northern Colorado, such as Points West Community Bank or Elevations Credit Union, have expertise in the Eaton area and understand local property values and market trends. Working with a local lender can provide personalized service and potentially smoother transactions, especially for unique properties common in Weld County.
Why Choose a Mortgage Lender in Eaton?
Local Market Knowledge
Lenders who understand Eaton's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Colorado.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Eaton and get competitive rates on your home loan.