The Best 2022 Pueblo West 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 Pueblo West 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 Pueblo West 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 Pueblo West FHA homebuyer grant.  With over 24 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

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

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

VA Loan Benefits

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

Questions Call (888)208-9797

Pueblo West 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 Pueblo West 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 Pueblo West FHA grant program.  The Pueblo West 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 Pueblo West 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 2022 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 Pueblo West 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

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

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

VA Loan Benefits

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

Questions Call (888)208-9797

Areas Near Pueblo West 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 Pueblo West 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 Pueblo West 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

VA Loan Benefits

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

Questions Call (888)208-9797

Pueblo West 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

VA Loan Benefits

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

Questions Call (888)208-9797

500 Fico Score Home Loans

With 500 plus credit scores options are still available for home buyers. The Pueblo West 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 Pueblo West 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

VA Loan Benefits

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

Questions Call (888)208-9797

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Pueblo West is an unincorporated community and a census-designated place (CDP) located in and governed by Pueblo County, Colorado, United States. The CDP is a part of the Pueblo, CO Metropolitan Statistical Area. The population of the Pueblo West CDP was 29,637 at the United States Census 2010.[4] The Pueblo West Metropolitan District provides services. The Pueblo post office (Zip Code 81007) serves Pueblo West postal addresses.[3]

The area that is now known as Pueblo West was undeveloped rangeland
before Robert P. McCulloch, land developer and oil magnate, and his company McCulloch Properties, Inc. came to Colorado. Historically occupied by Ute and Comanche people, most recently the land was used for ranching, supported by the water from the Arkansas River. Receiving inspiration from the neighboring City of Pueblo, Colorado and the momentum of successfully creating Lake Havasu City, Arizona, McCulloch and his company formally founded the Pueblo West Metropolitan District (the District) on September 16, 1969. Not long after the creation of the District, McCulloch built the Pueblo West Inn where guests were treated to a luxurious experience in an effort to sell land in the rolling prairies of the new community. The Pueblo West News, the District’s first newspaper, reported by 1974 over 2,000 new residents had moved into Pueblo West, and Pueblo School District 70 founded Pueblo West Elementary with 200 students enrolling in the fall. In 1977 McCulloch Properties pleaded guilty to criminal fraud for large‐scale land sales misrepresentation [5] and was forced to refund dissatisfied customers. By 2001 Pueblo West was growing too fast to keep up with its water needs, so it bought an upstream ranch, along with its water rights.[6]