Colorado VA Home Loans
Zero-down VA Colorado home loans for eligible service members, veterans, and surviving spouses, with flexible guidelines and no monthly PMI.
Expert Guidance
Local support with a personal touch.
More Options
Access to 100+ wholesale lenders through C2 Financial.
Colorado Focused
Experience with Colorado buyers, homeowners, and investors.
Program Overview
Colorado VA Home Loans
A VA loan, guaranteed by the U.S. Department of Veterans Affairs, is one of the most powerful mortgage options available. It is a well-earned benefit for eligible active-duty service members, veterans, and surviving spouses. The program is designed to make homeownership more accessible and affordable, featuring incredible advantages like zero down payment and no private mortgage insurance (PMI). We are honored to help our nation's heroes use this benefit to purchase a home.
Key Benefits
- » 100% Financing - No down payment is required for most borrowers.
- » No Private Mortgage Insurance (PMI), which significantly lowers your monthly payment.
- » Competitive interest rates, often lower than conventional loans due to the VA's guarantee.
- » The VA limits the closing costs that a veteran can be charged.
- » No prepayment penalties for paying off your loan early.
- » The VA loan benefit is reusable for future home purchases.
Who is this for?
This loan may be a great fit if you meet the following general criteria:
- » Active-duty service members and veterans who meet minimum service requirements.
- » Members of the National Guard and Reserves with six years of service.
- » Surviving spouses of service members who died in the line of duty or from a service-related disability.
- » Borrowers who have a valid Certificate of Eligibility (COE) - we can help you obtain this.
These are general guidelines. Contact us for a personalized assessment. Not a commitment to lend.
Why Veterans Choose Cliff Mortgages for Their VA Loan
You’ve earned this powerful benefit. We’re VA loan specialists committed to making sure your home financing experience is worthy of your service.
COE Support
We help you start the Certificate of Eligibility (COE) request through the VA system and guide you through the steps for a faster start.
VA Appraisal Experience
We understand VA Minimum Property Requirements (MPRs) and work closely with VA-experienced appraisers to support a smooth valuation.
Clear Loan Guidance
We walk you through the VA funding fee, exemption rules, and other benefits so you feel informed and confident from start to finish.
The Ultimate Homebuyer Advantage
See how your hard-earned VA loan benefit stacks up against a traditional conventional loan. The savings are clear.
VA Loan
- $0 Down Payment:100% financing is available for most eligible veterans.
- No Monthly Mortgage Insurance:Helps lower your monthly payment compared to low-down-payment loans.
- Flexible Credit Guidelines:More forgiving credit requirements make homeownership more accessible.
Conventional Loan
- 3–20% Down Payment:Requires a larger upfront down payment.
- Monthly PMI Required:Private Mortgage Insurance is typically required with less than 20% down.
- Stricter Credit Requirements:Typically requires a higher credit score for approval and the best rates.
The Cliff Mortgages VA Loan Promise
Funding Fee Transparency
We explain the VA Funding Fee and check for exemptions, potentially saving you thousands.
COE Assistance Promise
We lead the effort in obtaining your Certificate of Eligibility, making the first step hassle-free.
On-Time Closing Commitment
We respect your service and time. Our proactive process keeps VA requirements on track.
Your Mission: Homeownership. Our Mission: A Smooth Closing.
Our VA loan process honors your service with clarity, communication, and reliable support.
COE Guidance & Pre-Approval
We help you begin your COE request and review your profile to issue a strong pre-approval.
VA Appraisal & Underwriting
We coordinate the VA appraisal and work with underwriters familiar with VA guidelines.
Closing With Honor
We coordinate all parties to deliver an on-time, low-stress closing experience.
How It Works
A Clear Path from Application to Closing
Obtain Your COE
We'll help you get your Certificate of Eligibility (COE), the document that proves you qualify for the VA loan benefit.
Get Pre-Approved
We will review your finances to determine your buying power and provide a strong pre-approval letter.
Find a Home & VA Appraisal
Shop for a home that meets the VA's Minimum Property Requirements (MPRs) for safety and livability.
Close Your VA Loan
Sign the final paperwork and move into your new home, leveraging the powerful financing benefit you've earned.
Ready to Get Started?
Find out if a VA Loans in Colorado is right for you. Get a no-obligation quote from our experts today.
Request a Free Quote