FHA Mortgage Lender in Greeley, Colorado
First time home buyer loans in Weld County start here. FHA financing with just 3.5% down makes Greeley's affordable housing market even more accessible. Let Emmett Clark guide you from pre-approval to closing day.
Why FHA Loans Are Perfect for Weld County First-Time Buyers
Greeley's median home price of around $415,000 means an FHA buyer needs approximately $14,500 for a down payment—dramatically less than the $83,000 needed for 20% conventional. This accessibility makes Greeley one of Northern Colorado's best markets for FHA-financed purchases.
3.5%
Minimum Down
~$14,500 on a $415K home
580
Min Credit Score
For 3.5% down option
$816K
Weld Co. Limit
2025 FHA ceiling
43%
Max DTI Ratio
Up to 50% with compensating factors
Greeley Neighborhoods Perfect for FHA Buyers
West Greeley / Promontory
Newer developments along US-34 west of town offer homes from the $380s-$500s. Promontory and nearby subdivisions feature modern floor plans, parks, and easy access to Centerra shopping in Loveland. Perfect for FHA buyers seeking new or near-new construction.
UNC / Downtown Area
Charming older homes near the University of Northern Colorado campus start in the $300s-$400s. Walk to 8th Avenue restaurants, Weldwerks Brewing, and campus events. These established neighborhoods offer character and value for budget-conscious FHA buyers.
North Greeley / Country Club
Established neighborhoods near Greeley Country Club and Boomerang Golf Course offer spacious mid-century homes from the $375K-$475K range. Tree-lined streets, larger lots, and proximity to North Colorado Medical Center make this area ideal for families.
Your Greeley FHA Loan Process
Free Consultation
Call Emmett at (866) 617-7381 to discuss your income, credit, and homebuying goals. We will determine your FHA eligibility and purchasing power for the Greeley market in about 15 minutes.
FHA Pre-Approval Letter
Submit documentation and receive your pre-approval. This letter tells Greeley sellers you are a serious buyer with financing secured—critical in competitive situations.
Find Your Greeley Home
Partner with a local Weld County real estate agent. Whether you target west Greeley new builds or downtown bungalows, your FHA pre-approval gives you negotiating power.
Appraisal & Close
FHA appraisal confirms the home's value and condition. We coordinate with the title company for closing—typically 30-45 days from accepted offer. Welcome home to Greeley!
Greeley FHA Payment Calculator
Estimate your monthly FHA mortgage payment for a Greeley home. Remember that FHA loans include both upfront and annual mortgage insurance premiums.
Monthly Payment Calculator
Calculate your estimated monthly mortgage payment including taxes and insurance
Ready to Buy Your First Home in Greeley?
Emmett Clark specializes in helping first-time Weld County buyers navigate FHA financing. From down payment assistance programs to closing cost strategies, we make Greeley homeownership achievable.
(866) 617-7381Get Your Home Loan Quote
Connect with Emmett directly. Quick response, personalized guidance for your Greeley home purchase.
Why Contact Emmett?
- ✓ Local Greeley market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation