The Best Mortgage Lenders in Nunn, CO
Compare verified mortgage lenders serving Nunn, Colorado. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Nunn
Featured Mortgage Lenders
Bell Bank Mortgage
Bell Bank Mortgage
Bell Bank Mortgage stands out as one of the highest-rated mortgage lenders in Northern Colorado, serving the Nunn area with exceptional customer satisfaction. With over two decades of experience, they offer personalized service and competitive rates across all loan types. Their Fort Collins location provides convenient access for Weld County residents, and they're particularly praised for their transparent process, quick closings, and dedicated local loan officers who understand the unique aspects of Colorado's housing market.
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First National Bank of Omaha - Mortgage Division
First National Bank of Omaha
First National Bank of Omaha has been serving Northern Colorado communities including Nunn for decades through their Greeley branch. As an established regional bank with deep roots in Colorado, they offer comprehensive mortgage solutions with local decision-making authority. They excel in agricultural and rural property lending, making them particularly well-suited for the Nunn area. Customers consistently praise their knowledgeable staff, competitive rates, and understanding of local market conditions in Weld County.
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Elevations Credit Union
Elevations Credit Union
Elevations Credit Union has built an outstanding reputation as a mortgage lender serving the entire Front Range, including Nunn and surrounding Weld County communities. While based in Boulder, they actively serve Northern Colorado with competitive rates and member-focused service. As a credit union, they often offer lower fees and more flexible underwriting than traditional banks. They're particularly noted for their exceptional customer service, digital mortgage experience, and commitment to Colorado communities, with numerous awards for mortgage lending excellence.
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Frequently Asked Questions
Common questions about mortgage lending in Nunn, CO
What are the current mortgage rates like in Nunn, CO compared to the state average?
Mortgage rates in Nunn are typically very competitive with Colorado state averages, but may be slightly higher than in more urban areas due to the rural nature of the community and smaller pool of local lenders. Currently, rates for conventional 30-year fixed mortgages in Nunn range from 6.5% to 7.25%, depending on credit score and down payment. Working with lenders experienced in rural Colorado properties can help secure the best terms.
Are there any special loan programs for buying agricultural properties in Nunn?
Yes, Nunn's location in Weld County makes USDA loans particularly relevant for eligible properties, offering 100% financing with no down payment required. Additionally, the Colorado Agricultural Development Authority (CADA) provides financing programs specifically for agricultural properties and operations. Many local lenders are familiar with these specialized programs that cater to Nunn's rural character and farming community.
How does Nunn's rural location affect the home appraisal process?
Appraisals in Nunn can be more challenging due to fewer comparable sales in the immediate area, often requiring appraisers to look at properties in nearby communities like Wellington, Ault, or even Greeley. Unique property features common in Nunn, such as acreage, wells, septic systems, or agricultural outbuildings, require specialized appraisal expertise. This can sometimes extend the mortgage timeline by 1-2 weeks compared to urban areas.
What should I know about property taxes when getting a mortgage in Nunn?
Nunn property taxes are generally lower than Colorado's urban Front Range communities, with Weld County's current mill levy around 69.477 mills for residential properties. However, properties with agricultural designations or larger land parcels may have different tax considerations that affect your mortgage payment calculations. Your lender should help you understand the specific tax implications for your property type.
Are there any local down payment assistance programs available for Nunn homebuyers?
While Nunn itself doesn't offer city-specific programs, homebuyers can access Colorado Housing and Finance Authority (CHFA) programs that provide down payment assistance and favorable loan terms statewide. Additionally, Weld County occasionally offers housing assistance programs, and some local credit unions serving Northern Colorado provide special first-time homebuyer programs. These are particularly valuable given Nunn's more limited housing inventory.
Why Choose a Mortgage Lender in Nunn?
Local Market Knowledge
Lenders who understand Nunn'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 Nunn and get competitive rates on your home loan.