ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of fha loan specialists in Fruita, Colorado. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Fruita, CO
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Colorado before hiring.
Showing 5 fha loan specialists in Fruita, CO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Town & Country Finance Corp.
122 E Aspen Ave, Fruita, CO 81521
9708584752
Grand Valley Bank
452 S Maple St, Fruita, CO 81521
9708587555
Alpine Bank
125 N Park Square, Fruita, CO 81521
9708587473
Kayla Peacock
122 E Aspen Ave, Fruita, CO 81521
9706941422
Grand Valley Home Loans
127 N Cherry St C, Fruita, CO 81521
9702509876
FHA loan specialists in Fruita, Colorado help buyers qualify for government-backed mortgages with lower down payments. Colorado law requires all mortgage loan originators to be licensed through the Colorado Division of Real Estate. Fruita residents benefit from local specialists who understand the housing market in Mesa County and nearby Grand Junction.
What Does a FHA Loan Specialist in Fruita Cost?
Typical costs for FHA loan services in Colorado include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent. Lender origination fees often range from 1 to 2 percent of the loan amount. Appraisal fees in Fruita usually cost between $500 and $700. Closing costs generally total 3 to 5 percent of the purchase price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an FHA loan specialist in Fruita do?
An FHA loan specialist guides you through the FHA loan process, including pre-approval, documentation, and closing. They help you meet FHA requirements such as a minimum 3.5 percent down payment and a credit score of 580 or higher. They also ensure the property meets FHA appraisal standards.
What are the FHA loan limits for Fruita Colorado in 2025?
For 2025, the FHA loan limit for a single-family home in Mesa County is $498,257. This amount is set by the U.S. Department of Housing and Urban Development and may change each year. Higher limits apply for two, three, and four unit properties.
Do I need a special license for FHA loans in Colorado?
Yes, all mortgage loan originators in Colorado must hold a valid license through the Nationwide Multistate Licensing System. They must also complete continuing education each year. You can verify a specialist license on the NMLS Consumer Access website.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Fruita who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Colorado.