The Best Mortgage Lenders in Kersey, CO
Compare verified mortgage lenders serving Kersey, Colorado. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kersey
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is highly regarded for its competitive rates and exceptional customer service, with a strong local presence in Greeley serving the Kersey area. They offer a wide range of loan products and are known for their efficient processing and high customer satisfaction scores, backed by numerous industry awards and positive client testimonials.
Loan Types:
New American Funding
New American Funding
New American Funding is a top-rated lender with a focus on digital mortgage solutions and personalized service, serving Kersey from their Fort Collins branch. They are praised for their diverse loan options, including programs for first-time homebuyers, and have a reputation for transparency, competitive rates, and strong community involvement in Northern Colorado.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is known for its rapid loan closings and commitment to community support, with a reliable presence in Colorado that extends to Kersey. They offer a variety of mortgage products and are highly rated for their customer-centric approach, efficient processes, and consistent positive feedback from borrowers in the region.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Kersey, CO
What are the current average mortgage rates for homebuyers in Kersey, CO?
Mortgage rates in Kersey typically align with national averages but can vary based on local lender competition and property types. Currently, 30-year fixed rates in the Kersey area range from 6.5% to 7.25%, though agricultural or rural properties may see slightly higher rates. It's best to compare offers from both local Colorado lenders and national institutions for the most competitive terms.
Are there any special mortgage programs for first-time homebuyers in Kersey?
Yes, Colorado offers several first-time homebuyer programs that apply in Kersey, including CHFA (Colorado Housing and Finance Authority) loans with down payment assistance and favorable terms. Additionally, Kersey's location in Weld County may qualify buyers for USDA rural development loans, which offer 100% financing for eligible properties in this agricultural community.
How does Kersey's agricultural setting affect mortgage lending requirements?
Kersey's rural character means lenders often require additional documentation for properties with acreage or agricultural features. You may need to provide land surveys, well and septic certifications, and proof that the property is primarily for residential use. Lenders typically appraise these properties differently than urban homes, which can affect loan-to-value ratios and approval timelines.
What local factors should I consider when getting a mortgage in Kersey's real estate market?
Kersey's proximity to Greeley and the oil/gas industry creates unique market dynamics. Lenders may consider employment stability in energy sectors when underwriting loans. Also, since Kersey has both older historic homes and new construction, loan requirements can differ significantly - newer homes may qualify for better rates while historic properties might need additional inspections.
Are there property tax considerations specific to Kersey that affect mortgage payments?
Yes, Weld County property taxes in Kersey are generally lower than Front Range urban areas but can vary based on specific mill levies and school districts. Your mortgage lender will calculate escrow payments based on Kersey's current tax rates, which typically range from 0.5% to 0.7% of assessed value. Some agricultural properties may qualify for conservation easements that affect tax calculations.
Why Choose a Mortgage Lender in Kersey?
Local Market Knowledge
Lenders who understand Kersey'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 Kersey and get competitive rates on your home loan.