Mortgage Lender in Cortez, CO
Home loans for Cortez, Mancos, Dolores and Montezuma County
Cortez is about 45 miles west of Durango on Highway 160, and Montezuma County has some of the most varied property in Southwest Colorado: homes in town, farms and acreage with irrigation water, and mountain homes near Mancos and Dolores. I’m Peter Pritchard, owner of Animas Mountain Mortgage, a mortgage broker licensed throughout Colorado.
As a broker I can shop more than 200 wholesale lenders, then focus on the few that fit your loan best. In Montezuma County that often means finding a lender that is comfortable with acreage, outbuildings, irrigation water or a manufactured home on its own land.
- USDA loans: much of Montezuma County outside the larger towns has been eligible for USDA financing. I check each address and your household income.
- Acreage and farm property: outbuildings, irrigation ditches and water shares can all come up in the appraisal and title review.
- Manufactured homes on land: lenders look at the foundation, age and whether the home is legally attached to the land.
- You work directly with me, by phone, text or at the office in Durango.
Visit my Durango office
My office is in Durango at 1099 Main Ave, Suite 305, about an hour east of Cortez on Highway 160. Montezuma County clients can stop by or handle everything by phone, email and e-sign, then close at a title company near them and the property.
Areas I serve in Montezuma County
Cortez, Dolores, Mancos, Lewis, Pleasant View and the rest of Montezuma County. Buying elsewhere? See areas I serve in Colorado.
How a Cortez-area purchase usually goes
- I check USDA eligibility and the property type first
- Acreage, outbuildings or a well? I look for lenders whose guidelines fit
- Pre-approval before you make an offer
- Updates for you and your agent through closing
Home loans I help Cortez buyers with
- USDA loans for eligible addresses across Montezuma County
- FHA loans for first-time buyers and flexible credit
- VA loans for veterans and active-duty service members
- Conventional loans for primary homes, second homes and rentals
- Reverse mortgages for homeowners 62 and older
- HELOCs and second mortgages, plus refinancing
Looking at land or a ranch-style property? My rural home guide covers wells, septic, private roads and insurance, and the home price range tool gives you a starting point.
Frequently asked questions
Do you lend in Cortez, Mancos and Dolores? Yes. I am licensed throughout Colorado and help buyers across Montezuma County. Most of the process happens by phone, text, email and secure uploads, and I coordinate with your local agent and title company.
Is Cortez eligible for USDA loans? Much of Montezuma County has been eligible for USDA home loans. Eligibility depends on the exact address and your household income, so I check both before you shop.
Can I finance property with irrigation water or water shares? Usually, yes. Lenders and title companies want to know what water comes with the property. Ask your agent for the details early so the appraisal and title work go smoothly.
Can you finance a manufactured home on land? Often, yes. Lenders look at the foundation, the age of the home and whether it is legally attached to the land. I can tell you quickly which programs fit a specific home.
How do I get started? Call or text me at 970-828-1610, try the home price range tool, or apply online. A first conversation is free and does not pull your credit.