The Best Mortgage Lenders in Evans, CO
Compare verified mortgage lenders serving Evans, Colorado. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Evans
Featured Mortgage Lenders
Brian K. Miller
Miller Home Loans
Miller Home Loans is a highly-rated local mortgage broker serving Evans and the entire Greeley area with exceptional customer satisfaction. Brian Miller and his team have built a stellar reputation for personalized service, competitive rates, and expertise in Northern Colorado's unique housing market. They specialize in guiding clients through the entire mortgage process with transparency and local market knowledge, making them a top choice for Evans residents seeking flexible loan options and dedicated local service.
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Ent Credit Union Mortgage Department
Ent Credit Union
As Colorado's largest credit union, Ent has a strong presence in Evans with a local branch in nearby Greeley. They consistently earn high marks for competitive rates, low fees, and exceptional member service. Their mortgage team provides comprehensive lending solutions with the personal touch of a community-focused institution. Ent's not-for-profit structure often translates to better terms for borrowers, and their deep roots in Colorado make them particularly knowledgeable about local market conditions in Weld County.
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Chris Hauck
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation, represented locally by Chris Hauck in Greeley, is a nationally recognized lender with strong local presence serving Evans residents. They combine the resources of a major mortgage company with personalized local service. Chris and his team have built an outstanding reputation for responsiveness, competitive pricing, and expertise in Northern Colorado's real estate market. Their extensive loan product portfolio and efficient processing make them a top choice for both purchase and refinance transactions in the Evans area.
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Frequently Asked Questions
Common questions about mortgage lending in Evans, CO
What are current mortgage rates like for homes in Evans, CO?
Mortgage rates in Evans typically align with national averages but can be slightly influenced by local market conditions and property types. As of recent trends, rates for 30-year fixed mortgages in the Evans area generally range from the mid-6% to low-7% range, though this varies by lender, loan type, and borrower qualifications. It's wise to compare offers from both local Colorado lenders and national institutions.
Are there any first-time homebuyer programs specific to Evans that can help with down payments?
Yes, Evans homebuyers can access Colorado state-wide programs like CHFA (Colorado Housing and Finance Authority) loans, which offer competitive interest rates and down payment assistance. These programs are particularly valuable in Evans given the area's growing affordability challenges. Additionally, some Weld County-specific initiatives may provide grants or second mortgages for qualified buyers.
How does Evans' proximity to Greeley and the oil/gas industry affect mortgage lending?
Evans' economy is closely tied to Greeley and the surrounding energy sector, which can impact mortgage underwriting. Lenders may scrutinize employment stability for oil and gas workers more closely due to industry volatility. However, the strong regional economy generally supports favorable lending conditions, though borrowers in cyclical industries should be prepared with additional documentation.
What special considerations should I know about when getting a mortgage for Evans' older homes?
Many Evans properties built before 1978 may require additional attention for lead-based paint disclosures, and older homes might need specialized inspections for foundation, plumbing, or electrical systems. Lenders may require specific repairs before loan approval, particularly for FHA loans. It's advisable to work with a local inspector familiar with Evans' housing stock, which includes many mid-century homes.
Are there any local property tax considerations in Evans that affect mortgage payments?
Evans homeowners pay property taxes to both the city and Weld County, with current mill levies typically resulting in effective tax rates around 0.6-0.7% of assessed value. These taxes are escrowed into most mortgage payments, and buyers should note that Weld County's rapid growth may lead to future tax adjustments. New construction often has additional metro district taxes that can significantly impact monthly payments.
Why Choose a Mortgage Lender in Evans?
Local Market Knowledge
Lenders who understand Evans'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 Evans and get competitive rates on your home loan.