USDA Loans Idaho Springs, Colorado

The Idaho Springs USDA Home loan is a great choice for borrowers looking to buy a home with NO MONEY DOWN.  When home buyers hear USDA rural they often think of farms or underdeveloped areas.  In most cases you can find USDA eligible properties just outside of major cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some states like Colorado, the vast majority of the state is eligible for USDA loans. Find out if a property in Idaho Springs, CO is USDA home eligible by calling 888-767-0554. USDA home loan experts are standing by and ready to help.  Connect with a licensed USDA specialist, ask questions, see what cities qualify, and get free quotes.

Finding the Perfect Home Loan

Thousands of consumers in Idaho Springs, CO are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help Idaho Springs home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2024 Idaho Springs mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Idaho Springs, Colorado USDA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Review your finances to find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for a USDA Eligible Home.
  • Secure a loan and purchase your new home!

Working around Credit Issues with Top Rated Specialists

The USDA Rural Mortgage team is celebrating its 27th year in business.  Our experience allows for consumer mortgage confidence especially with Idaho Springs, CO first time home buyers.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in more than just USDA rural mortgage loans.  Check out consumer home buyer GRANT options, FHA loans and our Bad credit home loan options.

Get on the Path to Home Ownership. We got your Back!
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    Once this form is completed you will have the option to start your USDA mortgage application.

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    Idaho Springs, CO USDA Benefits

    • No down payment required
    • Low 30 year fixed rate
    • 102% financing (100% plus the guarantee fee that can be financed or paid for by the seller)
    • Can finance closing costs if appraisal above sales price
    • Competitive rates (as set by the underwriting lenders)
    • Minimal mortgage insurance required
    • No cash contribution required from borrower
    • Gift Funds Allowed
    • No maximum loan amount (although there are family income limits)
    • No reserves required
    • Streamlined credit approval for scores above 640
    • Can refinance an existing USDA loan to get a better interest rate if available

    Find your Idaho Springs, CO USDA Home Loan 888-767-0554.

    The City of Idaho Springs is a Statutory City in the western United States, the most populous municipality in Clear Creek County, Colorado. As of the 2010 census it had a population of 1,717.[8] Idaho Springs is located in Clear Creek Canyon, in the mountains upstream from Golden, some 30 miles (50 km) west of Denver. Local legend is that the name of the city derived from annual visits to the radium hot springs made by a Native American chief and his tribe who journeyed there each year from Idaho to bathe in the magic healing waters.

    Founded 160 years ago in 1859 by prospectors during the early days of the Pike’s Peak Gold Rush, the town was at the center of the region’s mining district throughout the late nineteenth century. The Argo Tunnel drained and provided access to many lodes of ore between Idaho Springs and Central City. During the late twentieth century, the town evolved into a tourist center along U.S. Highway 6 and U.S. Highway 40, which ascend Clear Creek Canyon through the historic mining district.

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