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VA Loans in Colorado

The VA Loan is one of the most powerful tools available exclusively for military families and veterans. In Colorado, veterans and active-duty military have been taking advantage of the benefits of the VA Loan in cities such as Denver, Colorado Springs, Aurora, Fort Collins, and Lakewood.

The cost of homes across the United States has been steadily increasing in recent years. With a $0 down payment requirement, no PMI, lower interest rates, and a more relaxed credit score requirement, the VA Loan is making home ownership a reality for more military families and veterans in Colorado now than ever before.

Median Sale Price of Homes in Colorado*



Colorado Springs




Fort Collins




Colorado Statewide Average


*Data pulled from Redfin (April 2022)


Property Taxes in Colorado

In the state of Colorado, property taxes are some of the lowest in the country with an average rate of 0.49%, well below the national average of 1.07% and the third-lowest rate in the U.S., according to SmartAsset.  Property tax bills are mailed once a year in January and due by April 30th is paid as a lump-sum. Colorado residents are allowed to choose to pay in installments with the first half due the last day of February and the second half due by June 15.

VA Disability in Colorado

Common property tax exemptions are reserved for veterans, disabled veterans, seniors over the age of 65, and more. Since these exemptions can vary by county and state and often have strict qualification standards, not every veteran or homeowner qualifies, but those that do are able to reap the benefits of significant savings.

Disabled veterans in Colorado that have a 100% disability as a result of their service can receive a property tax exemption on their primary residence of 50% of the first $200,000 assessed value. Additionally, there is a property tax deferral in Colorado for eligible veterans who are 65+ and for active-duty military members. Since these rates can vary based on location (i.e., exemptions in Denver may be different from those in Fort Collins or Colorado Springs), you’ll want to contact your local municipal tax assessor’s office.

Insurance Programs in Colorado

Natural disasters can happen anytime and are often unexpected or occur suddenly which makes it critical that you and your family are sufficiently covered. The most common natural disasters in Colorado that homeowners are insured against include wildfires, severe storms, and floods. The best way to ensure you’re getting the best coverage for your location; we recommend you consult with a licensed insurance company.

Military Presence in Colorado

Colorado has six military bases which are mainly situated throughout the center of the state close to I-25. Since Colorado has a reputation for stunning Rocky Mountains and is home to five Air Force bases and one Army base, there are thousands of veterans who call it home.

VA Home Loan Volume in 2021 in Colorado*

Total Loans


Average Loan Amount


Total Loan Amount (ALL)


Total Purchase Loans


Total Purchase Loans %


Total IRRRL Loans


Total IRRRL Loans %


Total Cash-Out Loans


Total Cash-Out Loans %


*Data pulled from the Department of Veterans Affairs (April 2022)

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FAQ’s about VA Loans in Colorado

How do I buy a house in Colorado? The best way to get started is to give us a call or fill out this form to get started!

How do I find more information about property taxes and exemptions for veterans in Colorado? Click here to read more details regarding major property tax exemptions in every state.

What are the average interest rates in Colorado? Interest rates for VA Loans are often lower than the national average rates for conventional loans. Click here to learn more about interest rates.