Your Boulder Lifestyle Shouldn't Wait for a Perfect Credit Score
You moved to Boulder for a reason—the mountains, the culture, the quality of life. A startup that didn't pan out or a medical situation shouldn't keep you from putting down roots. Let's find a path forward.
Boulder's High FHA Limit: $862,500
One of the highest FHA limits in the country. Most Boulder homes qualify for FHA financing—even with credit challenges.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"Boulder attracts entrepreneurs, tech workers, and outdoor enthusiasts who take risks. Sometimes those risks don't pay off immediately—but that doesn't define you. I've helped dozens of Boulder families get past credit setbacks and into homes they love. You're next."
The Boulder Credit Reality
Startup Culture
Boulder is startup central. Founders often max out personal credit to fund their vision. When the exit doesn't come as planned, credit takes a hit—but the talent and drive remain.
Premium Real Estate
Boulder's median home price exceeds $1M. The good news? FHA limits here are $862,500—one of the highest in the country. Most properties qualify.
Tech & Research Income
Google, NCAR, CU Boulder, national labs—the income is here. We understand stock-based compensation, research grants, and the unique aspects of tech pay.
FHA Manual Underwriting
- Credit scores down to 500 FICO
- Boulder County limit: $862,500
- DTI up to 50% with compensating factors
- Stock vesting and RSUs considered
VA Manual Underwriting
- No minimum credit score
- $0 down, no PMI
- No loan limit for eligible veterans
- Buckley SFB, Peterson SFB veterans
Recent Boulder County Closings
Google engineer. Startup investment went south, credit tanked. Denied by FirstBank and Elevations. Closed FHA in 26 days.
Air Force veteran from Peterson SFB. Medical bills from service. $0 down, no PMI, no loan limit. Closed in 24 days.
Consolidated $72k credit cards. Monthly payments dropped $2,200. Score recovered to 715 in 5 months.
Questions from Boulder Buyers
Can I get an FHA loan in Boulder with a 520 credit score?
Yes. We manually underwrite FHA loans down to 500 FICO in Boulder, Louisville, Superior, and all Boulder County communities. Manual underwriting looks at your complete financial picture—assets, income stability, payment history.
What's the FHA loan limit in Boulder County Colorado?
For 2025, the FHA limit in Boulder County is $862,500 for a single-family home—one of the highest in the nation. This covers most Boulder properties. For higher amounts, we offer NON-QM options.