Greeley FHA Loan Rates, Closing Costs & Stats

GREELEY, CO

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Greeley's 137 lenders originated 2,032 FHA loans during 2024. The total origination value was $835,440,000, with an average FHA loan value of $411,142.

    Greeley FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Greeley averaged 6.52% for the week of 2025-05-23, compared to the national average (all FHA variants) of 6.612% for the same period.

    Greeley's average FHA mortgage closing costs are $11,013.

    The average rate for the prior week (2025-05-16) was 6.25% and one month ago for the week of 2025-04-18, the average rate was 6.37%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.25%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Greeley FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Greeley level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 251 6.03% $16,248
    DHI MORTGAGE COMPANY, LTD. 121 4.99% $14,853
    LOANDEPOT.COM, LLC 114 5.99% $15,108
    GUILD MORTGAGE COMPANY 94 6.58% $14,972
    CROSSCOUNTRY MORTGAGE, LLC 91 6.58% $15,399
    QUICKEN LOANS, LLC 80 6.06% $15,030
    VAN DYK MORTGAGE CORPORATION 78 6.38% $12,711
    AMERICAN FINANCING CORPORATION 77 5.94% $17,016
    Loan Simple, Inc. 47 6.72% $13,780
    BROKER SOLUTIONS, INC. 47 6.67% $15,774
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 41 6.52% $15,279
    PRIMARY RESIDENTIAL MORTGAGE, INC. 38 6.47% $7,559
    NFM, INC. 36 5.75% $12,436
    HOMESIDE FINANCIAL, LLC 35 6.65% $14,806
    PENNYMAC LOAN SERVICES, LLC 33 5.95% $13,346
    FREEDOM MORTGAGE CORPORATION 32 6.32% $16,191
    CORNERSTONE HOME LENDING, INC. 30 6.02% $14,747
    HOMEAMERICAN MORTGAGE CORPORATION 30 4.95% $9,816
    Gateway First Bank 30 6.68% $16,645
    INSPIRE HOME LOANS INC. 28 5.21% $12,241
    V.I.P. MORTGAGE, INC. 24 6.20% $16,573
    Ixonia Bank 22 6.59% $15,181
    NEWREZ LLC 18 6.32% $17,365
    MOVEMENT MORTGAGE, LLC 18 6.72% $15,854
    Bank of Colorado 17 6.38% $15,069
    Paramount Residential Mortgage Group, Inc. 17 6.67% $15,016
    CMG MORTGAGE, INC. 16 5.84% $16,681
    LAKEVIEW LOAN SERVICING, LLC 15 6.26% $8,883
    Century Mortgage Company DBA Century Lending Company 15 6.11% $16,038
    EAGLE HOME MORTGAGE, LLC 14 4.34% $13,248
    First Western Trust Bank 14 6.38% $10,125
    American Mortgage & Equity Consultants, Inc. 12 6.48% $15,805
    TOWNE MORTGAGE COMPANY 11 6.16% $13,840
    The Loan Store, Inc. 11 6.13% $15,817
    S1L, Inc. 10 6.59% $15,056
    Equity Prime Mortgage LLC 9 7.43% $14,741
    TOP FLITE FINANCIAL, INC. 9 6.58% $15,877
    ENVOY MORTGAGE, LTD 8 6.64% $15,758
    Elevations Credit Union 8 6.14% $14,599
    GUARANTEED RATE, INC. 8 6.22% $15,526
    Ent Credit Union 8 6.08% $9,937
    Keystone Funding, Inc. 7 6.18% $12,755
    SUN WEST MORTGAGE COMPANY, INC. 7 6.09% $19,020
    MEGASTAR FINANCIAL CORP. 7 6.88% $14,215
    Northpointe Bank 6 6.33% $15,861
    EVERETT FINANCIAL, INC. 6 6.38% $16,221
    KBHS HOME LOANS, LLC 6 4.92% $11,940
    Flagstar Bank, FSB 6 6.17% $14,429
    GUARANTEED RATE AFFINITY, LLC 5 6.12% $19,038
    PLANET HOME LENDING, LLC 5 6.25% $14,986
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.73% $11,011
    Mr. Cooper ( Nationstar Mortgage ) 5 6.30% $16,025
    NEST HOME LENDING, LLC 5 5.67% $26,392
    PLAZA HOME MORTGAGE, INC. 5 6.37% $12,569
    U.S. Bank 5 6.40% $15,788
    NBH Bank 4 6.38% $8,279
    Bank of England 4 6.84% $15,204
    BOKF 4 6.88% $13,991
    Carrington Mortgage Services, LLC 4 6.25% $17,790
    First National Bank of Omaha 4 6.34% $9,804
    GROUP MORTGAGE, LLC 4 6.00% $19,187
    JPMorgan Chase Bank 4 6.03% $12,339
    LOANPAL, LLC 4 5.47% $21,306
    NOVA FINANCIAL & INVESTMENT CORPORATION 4 6.53% $13,290
    OCMBC, INC. 4 6.22% $21,722
    Plains Commerce Bank 4 6.16% $17,243
    SUMMIT FUNDING, INC. 4 6.28% $15,812
    US MORTGAGE CORPORATION 4 6.78% $16,985
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.58% $15,032
    Nations Lending Corporation 3 6.33% $12,152
    AMERICAN FINANCIAL NETWORK, INC. 3 7.50% $20,760
    The Huntington National Bank 2 6.00% $12,347
    BAY EQUITY LLC 2 6.81% $13,617
    CALCON MUTUAL MORTGAGE LLC 2 6.06% $20,457
    Commerce Home Mortgage, Inc. 2 5.88% $17,067
    Arvest Bank 2 5.50% $12,835
    MICHIGAN MUTUAL, INC. 2 6.75% $15,655
    UNION HOME MORTGAGE CORP. 2 6.69% $15,104
    ON Q FINANCIAL, INC. 2 6.75% $11,948
    BETTER MORTGAGE CORPORATION 2 5.75% $10,246
    CITYWIDE HOME LOANS, LLC 2 6.00% $12,725
    MID AMERICA MORTGAGE, INC. 2 7.94% $8,320
    LAND HOME FINANCIAL SERVICES, INC. 2 7.25% $25,435
    Sunflower Bank 2 6.13% $13,972
    Independent Bank 2 5.56% $21,828
    FIRST COLONY MORTGAGE CORPORATION 2 5.50% $20,855
    Lakeview Community Capital, LLC 2 6.69% $10,568
    FLAT BRANCH MORTGAGE, INC. 2 7.19% $14,355
    NATIONS DIRECT MORTGAGE, LLC 2 6.38% $14,996
    Waterstone Mortgage Corporation 1 6.75% $16,576
    CENTENNIAL LENDING, LLC 1 5.38% $17,419
    CANOPY MORTGAGE, LLC 1 5.25% $31,180
    Prosperity Home Mortgage, LLC 1 5.75% $20,903
    BMO Harris Bank 1 6.88% $11,464
    RANLIFE, INC. 1 6.00% $10,628
    RESIDENTIAL BANCORP 1 5.49% $15,408
    Residential Mortgage Solutions, Inc. 1 6.88% $19,114
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.50% $10,341
    SOUTHWEST FUNDING, LP 1 7.00% $17,722
    Wells Fargo Bank 1 5.38% $8,993
    Bell Bank 1 6.63% $17,269
    SWBC MORTGAGE CORPORATION 1 5.75% $6,248
    T2 FINANCIAL LLC 1 7.00% $16,390
    The Central Trust Bank 1 6.13% $9,893
    THE MORTGAGE COMPANY 1 6.63% $12,478
    TJC Mortgage, Inc. 1 5.00% $26,643
    Bank of America 1 5.50% $17,781
    UMB Bank 1 6.00% $15,827
    AMERISAVE MORTGAGE CORPORATION 1 6.13% $21,206
    AmeriHome Mortgage Company, LLC 1 5.99% $11,697
    ZILLOW HOME LOANS, LLC 1 6.25% $10,823
    INTERCAP LENDING INC. 1 6.99% $10,800
    INTELLILOAN, INC. 1 5.99% $7,059
    JET HOMELOANS, LLC 1 6.75% $12,752
    JMAC LENDING, INC. 1 5.75% $8,565
    AMERICAN FINANCIAL RESOURCES, INC. 1 5.63% $16,581
    IDEAL HOME LOANS LLC 1 6.75% $11,787
    LEADERONE FINANCIAL CORPORATION 1 7.50% $11,650
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.88% $13,215
    LOANLEADERS OF AMERICA, INC. 1 6.63% $10,737
    VERITAS FUNDING, LLC 1 7.25% $23,184
    GERSHMAN INVESTMENT CORP. 1 6.63% $13,641
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.25% $10,407
    First Federal Bank 1 7.13% $13,472
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.25% $35,519
    Adams Bank & Trust 1 7.25% $12,466
    Financial Funding Solutions, Inc. 1 6.63% $6,191
    Network Funding, L.P. 1 7.25% $12,380
    NEW DAY FINANCIAL, LLC 1 7.50% $7,028
    Fifth Third Bank 1 6.63% $13,235
    ENCORE BANK 1 6.75% $10,792
    NMSI, INC. 1 6.63% $12,672
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $13,831
    VILLAGE CAPITAL MORTGAGE 1 5.99% $9,165
    Peak Financial 1 6.75% $9,912
    CHURCHILL MORTGAGE CORPORATION 1 6.88% $17,394
    PENTAGON FEDERAL CREDIT UNION 1 5.75% $17,299

    The top Greeley FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 251 FHA loans originated. Their average total fees are $16,248, which is $1,394 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Greeley FHA lenders (with over 10 loans originated) are PRIMARY RESIDENTIAL MORTGAGE, INC. ($7,559), LAKEVIEW LOAN SERVICING, LLC ($8,883), HOMEAMERICAN MORTGAGE CORPORATION ($9,816), First Western Trust Bank ($10,125) and INSPIRE HOME LOANS INC. ($12,241).

    The lowest rate Greeley FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.34%), HOMEAMERICAN MORTGAGE CORPORATION (4.95%), DHI MORTGAGE COMPANY, LTD. (4.99%), INSPIRE HOME LOANS INC. (5.21%) and NFM, INC. (5.75%).

    Greeley FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    GREELEY, CO WELD 2022 $483,000 $618,300 $747,400 $928,850
    GREELEY, CO WELD 2023 $555,450 $711,050 $859,500 $1,068,200

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Greeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $399,950 (9.2%) $462,216 (5.3%) 1.48 698
    2018-02-01 $400,000 (5.3%) $472,890 (4.5%) 1.45 673
    2018-03-01 $406,041 (7.1%) $476,242 (4.8%) 1.42 669
    2018-04-01 $399,950 (3.0%) $472,332 (2.2%) 1.36 684
    2018-05-01 $409,975 (3.2%) $490,916 (4.0%) 1.37 681
    2018-06-01 $409,000 (2.4%) $487,772 (4.7%) 1.36 752
    2018-07-01 $398,855 (2.3%) $488,633 (6.6%) 1.33 803
    2018-08-01 $395,056 (-0.1%) $474,132 (1.3%) 1.32 869
    2018-09-01 $395,000 (-1.2%) $466,386 (-0.5%) 1.33 966
    2018-10-01 $389,975 (-3.3%) $465,074 (-1.6%) 1.32 1,041
    2018-11-01 $396,000 (-1.0%) $466,735 (-0.5%) 1.34 1,024
    2018-12-01 $398,679 (-0.3%) $469,296 (0.7%) 1.38 926
    2019-01-01 $395,104 (-1.2%) $473,477 (2.4%) 1.37 863
    2019-02-01 $393,564 (-1.6%) $469,554 (-0.7%) 1.33 855
    2019-03-01 $406,407 (0.1%) $475,376 (-0.2%) 1.33 895
    2019-04-01 $411,382 (2.9%) $479,530 (1.5%) 1.31 961
    2019-05-01 $412,200 (0.5%) $477,500 (-2.7%) 1.29 990
    2019-06-01 $409,700 (0.2%) $472,627 (-3.1%) 1.28 1,108
    2019-07-01 $400,000 (0.3%) $463,147 (-5.2%) 1.25 1,163
    2019-08-01 $399,900 (1.2%) $463,362 (-2.3%) 1.27 1,185
    2019-09-01 $399,900 (1.2%) $464,148 (-0.5%) 1.28 1,176
    2019-10-01 $399,888 (2.5%) $464,604 (-0.1%) 1.29 1,158
    2019-11-01 $402,250 (1.6%) $471,719 (1.1%) 1.32 1,077
    2019-12-01 $404,995 (1.6%) $478,809 (2.0%) 1.35 950
    2020-01-01 $417,225 (5.6%) $498,128 (5.2%) 1.39 779
    2020-02-01 $425,000 (8.0%) $503,978 (7.3%) 1.39 686
    2020-03-01 $437,025 (7.5%) $509,580 (7.2%) 1.37 713
    2020-04-01 $425,000 (3.3%) $501,646 (4.6%) 1.33 853
    2020-05-01 $425,000 (3.1%) $501,957 (5.1%) 1.29 964
    2020-06-01 $424,926 (3.7%) $505,068 (6.9%) 1.25 929
    2020-07-01 $432,278 (8.1%) $513,631 (10.9%) 1.25 841
    2020-08-01 $424,900 (6.3%) $512,545 (10.6%) 1.22 819
    2020-09-01 $426,451 (6.6%) $517,250 (11.4%) 1.22 780
    2020-10-01 $429,813 (7.5%) $519,508 (11.8%) 1.23 676
    2020-11-01 $428,850 (6.6%) $522,849 (10.8%) 1.25 630
    2020-12-01 $424,975 (4.9%) $520,215 (8.7%) 1.26 540
    2021-01-01 $442,747 (6.1%) $552,175 (10.9%) 1.32 455
    2021-02-01 $455,963 (7.3%) $580,510 (15.2%) 1.33 388
    2021-03-01 $461,973 (5.7%) $582,646 (14.3%) 1.31 382
    2021-04-01 $474,625 (11.7%) $592,535 (18.1%) 1.28 370
    2021-05-01 $475,000 (11.8%) $571,770 (13.9%) 1.26 355
    2021-06-01 $486,250 (14.4%) $576,137 (14.1%) 1.28 375
    2021-07-01 $485,000 (12.2%) $580,371 (13.0%) 1.28 449
    2021-08-01 $499,995 (17.7%) $589,574 (15.0%) 1.33 452
    2021-09-01 $493,945 (15.8%) $609,182 (17.8%) 1.32 459
    2021-10-01 $497,682 (15.8%) $632,210 (21.7%) 1.33 462
    2021-11-01 $490,065 (14.3%) $626,939 (19.9%) 1.31 425
    2021-12-01 $453,594 (6.7%) $563,779 (8.4%) 1.23 762
    2022-01-01 $499,950 (12.9%) $657,478 (19.1%) 1.35 286
    2022-02-01 $505,000 (10.8%) $699,308 (20.5%) 1.31 273
    2022-03-01 $521,700 (12.9%) $679,859 (16.7%) 1.31 300
    2022-04-01 $535,755 (12.9%) $695,674 (17.4%) 1.28 308
    2022-05-01 $539,748 (13.6%) $700,869 (22.6%) 1.23 444
    2022-06-01 $550,000 (13.1%) $685,718 (19.0%) 1.22 644
    2022-07-01 $545,000 (12.4%) $677,409 (16.7%) 1.23 875
    2022-08-01 $531,500 (6.3%) $670,653 (13.8%) 1.23 917
    2022-09-01 $522,798 (5.8%) $658,291 (8.1%) 1.22 926
    2022-10-01 $514,883 (3.5%) $645,087 (2.0%) 1.21 909
    2022-11-01 $515,000 (5.1%) $630,578 (0.6%) 1.24 919
    2022-12-01 $514,900 (13.5%) $632,311 (12.2%) 1.27 758
    2023-01-01 $519,475 (3.9%) $631,152 (-4.0%) 1.29 679
    2023-02-01 $518,908 (2.8%) $638,648 (-8.7%) 1.25 597
    2023-03-01 $527,450 (1.1%) $650,815 (-4.3%) 1.24 595
    2023-04-01 $540,000 (0.8%) $675,661 (-2.9%) 1.26 655
    2023-05-01 $540,045 (0.1%) $679,066 (-3.1%) 1.22 720
    2023-06-01 $541,950 (-1.5%) $676,695 (-1.3%) 1.22 797
    2023-07-01 $540,000 (-0.9%) $654,100 (-3.4%) 1.23 892
    2023-08-01 $533,900 (0.5%) $657,537 (-2.0%) 1.23 925
    2023-09-01 $530,000 (1.4%) $637,597 (-3.1%) 1.23 916
    2023-10-01 $519,950 (1.0%) $634,337 (-1.7%) 1.22 971
    2023-11-01 $513,350 (-0.3%) $634,371 (0.6%) 1.22 972
    2023-12-01 $515,000 (0.0%) $646,848 (2.3%) 1.26 833
    2024-01-01 $519,987 (0.1%) $666,332 (5.6%) 1.27 731
    2024-02-01 $525,000 (1.2%) $690,380 (8.1%) 1.26 777
    2024-03-01 $530,000 (0.5%) $697,534 (7.2%) 1.25 831
    2024-04-01 $539,950 (0.0%) $703,605 (4.1%) 1.26 822
    2024-05-01 $547,950 (1.5%) $721,227 (6.2%) 1.25 891
    2024-06-01 $545,900 (0.7%) $708,686 (4.7%) 1.24 1,014
    2024-07-01 $541,913 (0.4%) $693,955 (6.1%) 1.24 1,064
    2024-08-01 $539,000 (1.0%) $679,791 (3.4%) 1.25 1,125
    2024-09-01 $537,500 (1.4%) $676,573 (6.1%) 1.26 1,153
    2024-10-01 $536,950 (3.3%) $674,849 (6.4%) 1.26 1,201
    2024-11-01 $530,000 (3.2%) $667,151 (5.2%) 1.27 1,136
    2024-12-01 $524,950 (1.9%) $664,011 (2.7%) 1.30 1,004
    2025-01-01 $524,900 (0.9%) $666,855 (0.1%) 1.31 969
    2025-02-01 $519,125 (-1.1%) $652,556 (-5.5%) 1.26 1,015
    2025-03-01 $529,900 (0.0%) $660,786 (-5.3%) 1.25 1,050
    2025-04-01 $534,798 (-1.0%) $663,506 (-5.7%) 1.24 1,134
    Greeley's median listing price for 2025-04-01 was $534,798, a difference of $-5,152 (-1.0%) versus the prior year and $4,898 versus the prior month.

    Greeley's median listing price comes in at 124% of the national average.

    Greeley's average listing price for 2025-04-01 was $663,506, a difference of $-40,099 (-5.7%) versus the prior year and $2,720 versus the prior month.

    For the 2025-04-01 period, Greeley had 1,134 MLS listings, a difference of 84 listings (8%) versus the prior month and 312 listings (38%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Greeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 67 days 3,109 sqft
    2018-02-01 52 days 3,099 sqft
    2018-03-01 36 days 3,082 sqft
    2018-04-01 32 days 2,998 sqft
    2018-05-01 33 days 3,087 sqft
    2018-06-01 34 days 3,012 sqft
    2018-07-01 36 days 2,961 sqft
    2018-08-01 33 days 2,922 sqft
    2018-09-01 37 days 2,928 sqft
    2018-10-01 40 days 2,890 sqft
    2018-11-01 49 days 2,911 sqft
    2018-12-01 58 days 2,893 sqft
    2019-01-01 57 days 2,842 sqft
    2019-02-01 39 days 2,832 sqft
    2019-03-01 38 days 2,872 sqft
    2019-04-01 38 days 2,923 sqft
    2019-05-01 38 days 2,908 sqft
    2019-06-01 37 days 2,876 sqft
    2019-07-01 41 days 2,833 sqft
    2019-08-01 42 days 2,814 sqft
    2019-09-01 43 days 2,810 sqft
    2019-10-01 44 days 2,810 sqft
    2019-11-01 49 days 2,851 sqft
    2019-12-01 56 days 2,835 sqft
    2020-01-01 65 days 2,910 sqft
    2020-02-01 44 days 2,998 sqft
    2020-03-01 31 days 3,033 sqft
    2020-04-01 35 days 2,912 sqft
    2020-05-01 40 days 2,874 sqft
    2020-06-01 37 days 2,843 sqft
    2020-07-01 37 days 2,920 sqft
    2020-08-01 35 days 2,839 sqft
    2020-09-01 37 days 2,743 sqft
    2020-10-01 37 days 2,761 sqft
    2020-11-01 42 days 2,685 sqft
    2020-12-01 52 days 2,638 sqft
    2021-01-01 64 days 2,687 sqft
    2021-02-01 37 days 2,741 sqft
    2021-03-01 25 days 2,673 sqft
    2021-04-01 27 days 2,671 sqft
    2021-05-01 25 days 2,681 sqft
    2021-06-01 26 days 2,583 sqft
    2021-07-01 26 days 2,570 sqft
    2021-08-01 31 days 2,597 sqft
    2021-09-01 35 days 2,518 sqft
    2021-10-01 35 days 2,558 sqft
    2021-11-01 37 days 2,542 sqft
    2021-12-01 40 days 2,490 sqft
    2022-01-01 38 days 2,496 sqft
    2022-02-01 31 days 2,576 sqft
    2022-03-01 22 days 2,605 sqft
    2022-04-01 21 days 2,702 sqft
    2022-05-01 17 days 2,762 sqft
    2022-06-01 21 days 2,811 sqft
    2022-07-01 27 days 2,763 sqft
    2022-08-01 35 days 2,629 sqft
    2022-09-01 40 days 2,590 sqft
    2022-10-01 44 days 2,560 sqft
    2022-11-01 46 days 2,559 sqft
    2022-12-01 61 days 2,564 sqft
    2023-01-01 70 days 2,572 sqft
    2023-02-01 51 days 2,574 sqft
    2023-03-01 39 days 2,641 sqft
    2023-04-01 31 days 2,650 sqft
    2023-05-01 33 days 2,762 sqft
    2023-06-01 38 days 2,739 sqft
    2023-07-01 38 days 2,745 sqft
    2023-08-01 41 days 2,716 sqft
    2023-09-01 44 days 2,653 sqft
    2023-10-01 43 days 2,560 sqft
    2023-11-01 47 days 2,558 sqft
    2023-12-01 62 days 2,543 sqft
    2024-01-01 69 days 2,554 sqft
    2024-02-01 42 days 2,592 sqft
    2024-03-01 38 days 2,583 sqft
    2024-04-01 43 days 2,613 sqft
    2024-05-01 34 days 2,627 sqft
    2024-06-01 38 days 2,600 sqft
    2024-07-01 43 days 2,572 sqft
    2024-08-01 44 days 2,581 sqft
    2024-09-01 46 days 2,604 sqft
    2024-10-01 50 days 2,632 sqft
    2024-11-01 58 days 2,576 sqft
    2024-12-01 63 days 2,554 sqft
    2025-01-01 65 days 2,536 sqft
    2025-02-01 53 days 2,429 sqft
    2025-03-01 43 days 2,453 sqft
    2025-04-01 38 days 2,476 sqft
    Greeley's median listing age (time on market) for 2025-04-01 was 38 days. This is -13% shorter than the same period one year ago.

    Greeley's median square footage for active listings during the 2025-04-01 period was 2,476 sqft. One year prior, the average listing was 2,613 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).