Can I Buy a Home with a VA Loan in Colorado?

Yes, you can buy a home with a VA loan in Colorado—veterans, active-duty service members, and eligible spouses qualify for 0% down payments, no PMI, and competitive rates on Denver-area properties, backed by the U.S. Department of Veterans Affairs through approved lenders.

VA Loan Basics in Colorado

After 15+ years in Denver real estate and thousands of transactions, I’ve walked countless military families through VA loans that make homeownership accessible amid the Colorado housing market. Eligibility requires a Certificate of Eligibility (COE) from the VA—typically 90 days active duty plus honorable discharge or 6 years Reserves/National Guard. Loans cover up to $766,550 (2025 conforming limit, higher in high-cost areas) with funding fees (1.25-3.3%, waivable for disabled vets). No down payment shines on $600K-$700K homes in Littleton real estate or Highlands Ranch villages—closing costs seller-paid up to 4%. Appraisals ensure VA minimum property requirements (MPRs) like safe roofs and no peeling paint.

Processing takes 30-45 days, fitting our contract timelines.

Denver-Area Considerations

Highlands Ranch real estate near Mountain Vista schools loves VA buyers for steady neighborhoods, but HOAs ($150-$400) must approve transfers—I’ve coordinated seamless docs. Littleton bungalows pass MPRs easily with sewer scopes; core Denver condos qualify if under 30% investor-owned and HOA-approved. Market cycles favor VA in balanced falls—spring frenzy needs pre-approvals to compete. Douglas County titles clear fast; CHFA pairs VA with grants for first-timers. Compared to FHA’s 3.5% down, VA saves $21K upfront on $600K.

Lenders like Navy Federal dominate locally.

Practical Advice for Buyers and Sellers

VA Feature	Benefit	Action Step
0% Down	Full purchase power	Get COE online
No PMI	Lower payments	Shop 3 lenders
Seller Concessions	Up to 4% costs	Negotiate early

Buyers, secure COE and pre-approval Day 1—order VA appraisal during option period, request seller repairs for MPRs; budget funding fee.

Sellers, welcome VA offers—disclose fully, cover 2-4% concessions to close faster in 45 days.

My hands-on, concierge-level service streamlines VA approvals block-by-block, weighs school/HOA fits through market cycles, builds pricing from local sales, and negotiates relentlessly for veteran-friendly deals. Clients are long-term relationships and friends, not transactions—integrity, honesty, transparency, and relentless work ethic honor your service.

If VA loan questions guide your Denver real estate search—Littleton, Highlands Ranch options—reach out anytime. I’m here for a no-pressure conversation and honest guidance tailored to the Colorado housing market.

Mile High Home Group – Welcome to Denver