State and Local Housing Programs

State and local housing finance agencies offer mortgage lending options for qualifying low-to-moderate income buyers with decent credit wishing to purchase their first home.

Benefits over conventional loans include more flexible qualifying guidelines, lower fees, lower interest rates, and fixed rates.

There are also other programs available, such as the Mortgage Credit Certificate (MCC) federal income tax credit for homebuyers. MCCs are not mortgages. Rather, they are tax credits that help borrowers like you keep more of your hard-earned money, making it easier to make your monthly mortgage payments.

To learn more, contact our Fort Collins office today!