Mortgage Loans in Grand Junction and Mesa County
Financing a home in the Grand Valley
I’m Peter Pritchard, a Colorado-licensed mortgage lender based in Durango, and I lend in Grand Junction and the rest of Mesa County the same way I do at home. The Grand Valley draws a wide mix of buyers: first-time buyers and young families, veterans, retirees moving from the Front Range or out of state, and investors buying rentals near Colorado Mesa University. Each of those usually points to a different loan, and the property itself, whether it’s a home in the Redlands, an older house on Orchard Mesa or a place with acreage near Palisade, can change the options too.
Because I compare multiple lenders, I can match the loan to you and the home, then handle everything from application to closing. Grand Valley clients work with me by phone, email and video, sign most documents electronically and close at a title company in Grand Junction.
- VA loans for veterans and service members
- FHA and conventional loans for first-time buyers
- USDA loans for eligible addresses outside the city
- Reverse mortgages (HECM) for homeowners 62 and older
Visit my Durango office
My office is in downtown Durango at 1099 Main Ave, Suite 305. Grand Valley clients rarely need to make the drive: we handle the loan by phone, email and video.
Areas I serve in Mesa County
Grand Junction, Fruita, Palisade, Clifton, Orchard Mesa, the Redlands, Whitewater, Loma, Mack, Collbran, De Beque and the rest of Mesa County, plus anywhere else in the state. See areas I serve in Colorado.
Steps for a Grand Valley purchase
- Get pre-approved so your offer is ready when the right home lists
- Ask whether irrigation water comes with the property and how it is delivered
- Have the inspector look closely at the foundation and drainage
- I shop lenders whose guidelines fit you and the property
Home loans I help Grand Valley buyers with
- VA loans for veterans and active-duty service members
- FHA and conventional purchase loans
- USDA loans for eligible rural addresses
- Reverse mortgages (HECM) for homeowners 62 and older
- Renovation loans for homes that need work
- Investment property loans and refinancing
- Lending anywhere else in the state: see areas I serve in Colorado
Good to know before you buy in the Grand Valley
Irrigation water is its own question. Many Grand Valley properties get irrigation water from a local ditch company or irrigation district, separate from household water. Find out what comes with the home, what the yearly assessments are and how the water reaches the property, and make sure your contract covers it.
Look closely at soils and foundations. Parts of the Grand Valley sit on clay soils that swell when wet and shrink as they dry. A careful inspection, plus an engineer’s opinion if the inspector finds cracking, is worth it before you close.
Acreage, orchards and manufactured homes. Lenders finance the home, not the farm. Larger parcels, working orchards or vineyards near Palisade, and manufactured homes each come with their own lender rules, so tell me about the property early and I’ll find a lender that fits.
USDA depends on the address. Some homes outside Grand Junction, around Fruita, Palisade and the smaller towns, may be eligible for USDA financing. I check the exact address against USDA’s eligibility map.
What clients say
- “Peter helped us buy our first house! From knowing nothing about the process, to close. He was informative, helpful, and patient.” — Micah W.
- “Peter was great to work with. He has wonderful processes.” — Molly T.
Read more on my testimonials page or on Google, where clients have left dozens of five-star reviews.
Frequently asked questions
Do you lend in Grand Junction if your office is in Durango?
Yes. I’m licensed to lend anywhere in Colorado, and the process works the same wherever the home is: application and documents online, an appraiser who works in Mesa County, and closing at a local title company.
Can I use a VA loan on a home with some acreage near Fruita or Palisade?
Often, yes, if it will be your primary home and the property meets VA’s standards. Land used as a working orchard or farm is a different question, so tell me about the property early.