Best VA Lenders in Colorado 2026: Top 8 Ranked & Reviewed
James Peterson
Colorado VA Loan Specialist | Veteran | 14+ Years Experience
January 22, 2026
Looking for the best VA lenders in Colorado? Colorado has 1,900+ VA-approved lenders, but only 8 consistently deliver the best rates, fastest approvals, and veteran-focused service for Colorado military families.
5.95%
Average VA Rate
$565,000
Median Home Price
0%
Down Payment
$766K
Max Loan Limit
🎖️ Top 8 VA Lenders in Colorado 2026
Veterans United - Best Overall VA Lender Colorado
6,800+ CO loans funded
Why #1:
- 🎖️ #1 VA lender in America (40% market share)
- 💰 Lowest VA rates: 5.85%-6.05% APR
- ⚡ Close in 28 days average
- 🏆 Veteran-owned & operated
- 📚 Free VA loan education + support
Best For:
First-time VA buyers in Colorado who want expert guidance
📊 VA Loan Limits Colorado 2026 by County
| County | Major City | 2026 VA Limit |
|---|---|---|
| Denver | Denver | $766,550 ⭐ |
| El Paso | Colorado Springs | $766,550 ⭐ |
| Arapahoe | Aurora | $766,550 ⭐ |
| Jefferson | Lakewood | $766,550 ⭐ |
🎉 Great News for Colorado Veterans!
ALL major Colorado counties have the maximum VA loan limit of $766,550 (2026). This means you can buy homes up to $766K with 0% down!
✅ Colorado VA Loan Requirements 2026
Eligibility Requirements
✅ Active Duty:
90 days wartime OR 181 days peacetime
✅ Veterans:
Honorable discharge + service requirements
✅ National Guard/Reserves:
6 years service
✅ Surviving Spouses:
Unremarried spouses of veterans
Financial Requirements
Credit Score:
620+ recommended (no VA minimum)
Down Payment:
0% required (up to $766K)
DTI Ratio:
41% max (flexible with residual income)
VA Funding Fee:
2.15% first-time (waived for disabled vets)
🏔️ Best Colorado Cities for VA Loans
Colorado Springs
Why #1 for Military:
- 5 military bases (Peterson SFB, Fort Carson, USAFA, Schriever SFB, Cheyenne Mountain)
- Median home: $485,000
- Strong military community
- Lower cost than Denver
Aurora
Why #2:
- Near Buckley Space Force Base
- Median home: $520,000
- 15 min to Denver
- Diverse, military-friendly
Denver Metro
Why #3:
- Largest job market
- Median home: $625,000
- VA hospital + services
- Strong veteran community
Fort Collins
Why #4:
- College town vibe
- Median home: $550,000
- Excellent schools
- Outdoor recreation
❓ FAQ: VA Loans Colorado 2026
Can I buy a home in the mountains with a VA loan?
YES - VA loans work for mountain homes in Colorado, but with some considerations:
✅ VA-Approved:
- Single-family homes in mountain towns
- Townhomes/condos (if FHA/VA approved)
- Year-round primary residences
❌ NOT VA-Approved:
- Vacation/second homes
- Properties over 10 acres
- Cabins without year-round access
What is the VA funding fee in Colorado?
Colorado VA Funding Fee (2026):
- First-time use: 2.15% of loan amount
- Subsequent use: 3.30% of loan amount
- Reserves/Guard: 2.40% first-time
Example: $500,000 loan
- Funding fee: $10,750 (2.15%)
- Can be financed into loan
WAIVED FOR: Veterans with 10%+ disability rating, Purple Heart recipients, surviving spouses
Which Colorado military bases are best for VA loans?
Top Colorado Military Bases for VA Homebuying:
1. Fort Carson (Colorado Springs)
- Largest Army base in Colorado
- Median home nearby: $450K-$550K
- 15-20 min commute to base
2. Peterson Space Force Base (Colorado Springs)
- Space Force headquarters
- Median home nearby: $480K-$580K
- 10-15 min commute
3. Buckley Space Force Base (Aurora)
- Near Denver metro
- Median home nearby: $500K-$600K
- 10-20 min commute