The Best 2024 Commerce City FHA Mortgage Programs

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640 + Fico Score
620 + Fico Score
580 + Fico Score
560 + Fico Score
500 + Fico Score

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640 + Fico Score Home Loans

Having a 640 credit score allows for homebuyers to qualify for a majority of programs available across the U.S.A.  The popular Commerce City FHA home loan was introduced in 1934.  The program features lower down payment options and easier qualifications for new and repeat homebuyers.  Another Government program strictly for Veteran’s was introduced in 1944, the Commerce City VA home loan allows for certain service members to buy a home with no money down even with lower credit scores.  Another favorite of ours, the USDA home loan created in 1991 offers the no money down option.  Last but not least a homebuyer favorite the forgivable Commerce City FHA homebuyer grant.  With over 26 years of experience our experts are here to answer your questions.  We will have you pre-approved and ready to shop in minutes.

Get Pre-Approved Now

(640 Credit Score Required)

FHA Loan Benefits

  • Buy with 3.5% Down
  • 640 Credit Qualifies for a Grant to Cover Down Payment
  • Easier Credit Qualifications
  • Extremely Loan Rates for Home Buyers

FHA Apply Here

USDA Loan Benefits

  • Buy with No Money Down
  • Streamlined credit approval for scores above 640
  • Look Up Eligible USDA Areas Here
  • Extremely Loan Rates for USDA Home Buyers

USDA Apply Here

FHA Grant Benefits

  • Grant is completely forgiven
  • Grant can be used for down payment
  • Not required to be first time home buyers
  • Keep your down payment money in the bank

FHA Grant Apply Here

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

VA Apply Here

Questions Call (888)208-9797

Commerce City is Eligible for FHA Home Buyers

Popular FHA Cities for New Home Buyers

620 + Fico Score Home Loans

Having a 620 credit score allows new Commerce City homebuyers many options. The FHA offers amazing rates even with less than perfect credit. Even better the FHA offers buyers the option to buy with a 3.5% down payment. Don’t have a down payment, no worries we offer a private Commerce City FHA grant program.  The Commerce City FHA grant program requires a minimum 620 credit score. The programs don’t stop there, Even with a 620 credit score we have more options. The USDA home loan and the Commerce City VA home loan are also available. The USDA mortgage allows for home buyers to purchase with NO money down. Understand the average qualifying credit score is 640 but our 2024 guidelines allow for manual underwriting. A manual approval will need to be completed by an underwriter and is not guaranteed. Last but not least our Commerce City VA Military home loan is another NO money down option for those who serve the USA, the greatest country on earth.

Get Pre-Approved Now

(620 Credit Score Required)

FHA Loan Benefits

  • Buy with 3.5% Down
  • 620 Credit Qualifies for a Grant to Cover Down Payment
  • Easier Credit Qualifications
  • Extremely Loan Rates for Home Buyers

FHA Apply Here

USDA Loan Benefits

  • Buy with No Money Down
  • 620 credit scores will need manual approval by underwriting
  • Look Up Eligible USDA Areas Here
  • Extremely Loan Rates for USDA Home Buyers

USDA Apply Here

FHA Grant Benefits

  • Grant is completely forgiven
  • Grant can be used for down payment
  • Not required to be first time home buyers
  • Keep your down payment money in the bank

FHA Grant Apply Here

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

VA Apply Here

Questions Call (888)208-9797

Areas Near Commerce City are Eligible for USDA Loans

Popular areas that may be Eligible for USDA Home Buyers

580 Fico Score Home Loans

Having a 580 plus credit score will allow Commerce City home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 580 credit score a down payment of 3.5% will be needed. The down payment can come as a gift. Another great options for lower credit scores is our Commerce City VA Military home loan. Veteran’s can qualify with a 580 credit score and NO money down.

Get Pre-Approved Now

(580 Credit Score Required)

FHA Loan Benefits

  • Buy with 3.5% Down
  • Gift funds excepted for down payment
  • Easier Credit Qualifications
  • Extremely Loan Rates for Home Buyers

FHA Apply Here

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

VA Apply Here

Questions Call (888)208-9797

Commerce City is Eligible for Veteran Home Programs

Popular Cities for Veteran Home Buyers

560 Fico Score Home Loans

560 plus credit scores allow home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 560 credit score a down payment of 10 - 20% will be needed. The down payment can come as a gift. Another great option for lower credit scores is our VA Military home loan. Veteran’s can qualify with a 560 plus credit score.

Get Pre-Approved Now

(560 Credit Score Required)

FHA Loan Benefits

  • Buy with 10 - 20% Down
  • Gift funds excepted for down payment
  • Easier Credit Qualifications
  • Extremely Loan Rates for Home Buyers

FHA Apply Here

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

VA Apply Here

Questions Call (888)208-9797

500 Fico Score Home Loans

With 500 plus credit scores options are still available for home buyers. The Commerce City FHA program is still available for home buyers, understand you will need a larger down payment, usually 10 - 20%  The down payment can come as a gift. Another great option for lower credit scores is our Commerce City VA Military home loan. Veteran’s can qualify with a 500 plus credit score.  Keep in mind a 500 plus credit score is a higher risk for lenders, this means it will be underwritten manually by an underwriter.

Get Pre-Approved Now

(500 + Credit Score Required)

FHA Loan Benefits

  • Buy with 10 - 20% Down
  • Gift funds excepted for down payment
  • Easier Credit Qualifications
  • Extremely Low Rates for Home Buyers

FHA Apply Here

VA Loan Benefits

  • No down payment
  • No mortgage insurance required
  • Low wholesale VA home rates
  • Lower credit scores can qualify

VA Apply Here

Questions Call (888)208-9797

Hundreds of 5 Star Reviews!

The City of Commerce City is a home rule municipality located in Adams County, Colorado, United States.[1] The city population was 62,418 at the 2020 United States Census, a +35.95% increase since the 2010 United States Census.[4] Commerce City is the 18th most populous municipality in Colorado. Commerce City is located north of Denver and is a part of the Denver–Aurora–Lakewood, CO Metropolitan Statistical Area and the Front Range Urban Corridor. Commerce City is a mixed residential and industrial community that is known for an oil refinery with a capacity of 90,000 barrels per day (14,000 m3/d), operated by Suncor.[7][8]Dick’s Sporting Goods Park, a soccer stadium in Commerce City, hosts the Colorado Rapids of Major League Soccer.

In 1859 after fighting in Bleeding Kansas, John D. “Colonel Jack” Henderson built a ranch, trading post, and hotel on Henderson Island in the South Platte River in Arapahoe County, Kansas Territory north of Denver, from which he sold meat and provisions to gold seekers on their way up the South Platte River Trail to the gold fields during the Pikes Peak Gold Rush. Henderson Island was the first permanent settlement in the South Platte River Valley between Fort Saint Vrain in the Nebraska Territory and the Cherry Creek Diggings in the Kansas Territory. Henderson Island is today the site of the Adams County Regional Park and Fairgrounds.