Explore the differences! FHA VS Conventional loan programs in Cortez, Montezuma County, Colorado
In 2026, the Conventional loan limit in Cortez, situated in Montezuma County, CO, stands at $726,200, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare the best available rates today for Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in identifying the most appropriate program in CO for your personal financial circumstances.
2026 Loan Limits and Down Payment Requirements in Cortez, Montezuma, CO
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to the zip codes: 81321
Options for Conventional and FHA Loans in Cortez, CO
The mission of Lendersa® is to help you obtain the best possible Conventional, USDA, or FHA loan efficiently and without hassle. Select one of three available paths to connect with matching lenders and relevant loan programs.
In June 1957, approval was given by appropriate governmental agencies for a national bank in Cortez, Colorado. The First National Bank was to be located on the corner of Main and Elm Streets, in the heart of Cortez. The stockholders of J.J. Harris Bank voted to consolidate with First National Bank, Cortez.
At Sinberg Capital Lending we understand the needs and goals of each of our clients. We work directly with clients and real estate professionals to provide comprehensive mortgage solutions for today’s real estate markets. Established in 2007, Sinberg Capital Lending offers a complete portfolio of loan products at highly competitive rates.
Animas Mountain Mortgage is a trusted local mortgage company. For 20+ years, the founder Peter Pritchard has been bringing people’s dream of homeownership to life while providing local, in-house processing and underwriting on every individual loan. Peter has closed thousands of loans throughout his career,
Our Mission is TO SERVE AS THE PRIMARY FINANCIAL INSTITUTION OF OUR MEMBERSHIP BY PROVIDING EFFICIENT SERVICES OF HIGH QUALITY, THUS PROMOTING THE PHILOSOPHY OF "PEOPLE HELPING PEOPLE". San Juan Mountains Credit Union welcomes all people to become a member, not just another account number like at other financial institutions.
NuVista Federal Credit Union which was originally Montrose Federal Credit Union was established in 1964. It was built on honesty, integrity & self worth.We hold that same foundation today.When first opened the credit union was for federal employees only. Times have changed & we know now that the support of the community as a whole is what helps us.
