Mortgage Loan Programs

Helping Veterans, Active-Duty Members, and Military Families Achieve Homeownership

VA Loan Programs in Colorado

At Colorado VA Home Loans, we help veterans and active-duty members secure affordable home financing with no down payment, low rates, and flexible qualification options.

VA Loan Eligibility

VA loans are available to:

  • Veterans (alone or with a spouse)
  • Active-Duty Service Members (90 days during wartime or 181 during peacetime)
  • Reserve or National Guard Members (6 years of service)
  • Unremarried Surviving Spouses of veterans who died in service or from service-related causes
  • POW/MIA Spouses (if the veteran was missing for 90+ days)

Veterans purchasing with a non-veteran (not a spouse) may need VA approval and up to 25% down.


If you’re unsure whether you qualify, our team can verify your Certificate of Eligibility (COE) directly with the VA.

Veteran Entitlement Service Period Chart

Available VA Loan Programs

Buy a primary residence in Colorado with zero down payment and no mortgage insurance. Eligible property types include:

  • Single-family homes
  • Townhouses and condos (VA-approved)
  • Manufactured homes
  • Homes you plan to build or improve

Up to 100% financing (103.3% when funding fee is financed)

VA Refinance Options

Cash-Out Refinance

Use your home’s equity to pay off debt, make improvements, or fund major expenses.

  • Up to 100% of appraised value (most lenders cap at 90%)
  • Funding fee applies unless exempt (10%+ VA disability = exemption)

Interest Rate Reduction Refinance Loan (IRRRL)

Also known as a “VA Streamline Refinance,” this option lets you lower your interest rate or switch from an adjustable-rate to a fixed-rate mortgage.

  • Minimal paperwork
  • No new appraisal required
  • Must already have a VA loan

More About Refinancing

Energy Efficient Mortgage (EEM)

Finance energy-efficient home upgrades (windows, HVAC, solar panels) as part of your loan:

  • Up to $3,000–$6,000 in documented improvements
  • Higher amounts are possible with VA approval

Loan Details & Qualification Requirements

VA loans make homeownership easier for veterans, active-duty service members, and military families across Colorado. Even if your credit isn’t perfect, Colorado VA Home Loans can help. Our credit restoration services are designed to get you mortgage-ready and guide you step-by-step toward approval.

Real estate agent fist bumps a client couple in front of a house.

Loan Amounts:

Standard VA loan limits start at $417,000, with higher limits available in select Colorado counties.

Jumbo Options:

VA Jumbo Loans are available for higher-priced homes that exceed standard county limits.

Eligibility:

Applicants must be veterans, active-duty service members, or eligible surviving spouses with available VA entitlement. More details can be found above.

Occupancy:

You must plan to live in the home as your primary residence.

Loan Terms:

Choose between 15- or 30-year fixed rates or adjustable-rate options (1/3/5-year ARMs).

Financial Stability:

You’ll need stable income, acceptable credit, and enough residual income to support your family and household expenses.

VA Funding Fee

The VA funding fee helps sustain the VA loan program. It’s a one-time charge that replaces mortgage insurance and can be rolled into your loan. You may be exempt if you receive VA disability compensation or are the surviving spouse of a veteran who died in service or due to a service-connected disability.

Learn more