Business Details
31 Years
experience
Your Trusted Mortgage Partner in Fruita, CO
Established in 1995, Town & Country Finance has been a trusted partner in homeownership for residents of Fruita, Colorado and surrounding areas. Our team specializes in guiding clients through mortgage processes with personalized service, leveraging decades of combined experience in conventional, FHA, VA, USDA, and reverse mortgage programs. We prioritize community connections, offering localized expertise while maintaining national lending standards. Our commitment to transparency and client education ensures borrowers understand all aspects of their loans, from pre-qualification to closing.With a track record of repeat customers and referrals, we emphasize long-term relationships over transactional interactions. Our office on Aspen Avenue remains a hub for mortgage guidance, combining small-town service with professional rigor. Customer testimonials highlight our responsiveness, with team members like Shelly and Jenny consistently praised for going beyond industry norms. We adapt to evolving mortgage landscapes while maintaining core values of integrity and client advocacy.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Reverse Mortgages
Refinance Loans
Purchase Loans
Debt Consolidation
First-Time Buyer Programs
Mortgage Education
Details
- Year established: 1995
Highlights and features
- We offer 25+ years of mortgage experience with local Colorado market expertise
- Our team provides personalized loan guidance from pre-qualification to closing
- We maintain relationships with multiple lenders to secure competitive rates
- Our staff receives consistent client praise for exceptional customer service
- We specialize in navigating complex loan programs for first-time buyers
What people say
Amazing team
Excellent experience
Knowledgeable and friendly
Seamless process
Highly recommend
Services
Conventional Loans
Conventional loans provide competitive rates for borrowers with strong credit histories. These mortgages aren't government-insured but often offer better terms. Our experts help clients navigate Fannie Mae and Freddie Mac guidelines to find suitable financing options. Ideal for those with at least 5% down payment and stable income.
FHA Loans
FHA loans assist first-time buyers and those with lower credit scores. Backed by the Federal Housing Administration, these require just 3.5% down. We guide clients through the process of securing these accessible loans with flexible qualifying criteria for primary residences.
VA Loans
VA loans offer zero down payment options for eligible veterans and active-duty personnel. We specialize in processing these benefits-based mortgages with competitive rates. Our team handles both purchase and refinance transactions up to 100% loan-to-value ratios.
USDA Loans
USDA loans enable no-money-down purchases in designated rural areas. We help clients meet income requirements and process these government-backed mortgages. Ideal for buyers in communities like Fruita and Palisade seeking affordable homeownership options.
Reverse Mortgages
Reverse mortgages let homeowners aged 62+ convert equity into income. We explain how these loans provide monthly payments without requiring repayment until the home is vacated. Our counselors ensure clients understand all implications of this retirement financing option.
People
Shelly
Loan Officer
With over 20 years in mortgage lending, Shelly specializes in guiding first-time buyers through complex loan programs. Known for exceptional client education and personalized service, she has helped multiple generations of families achieve homeownership in western Colorado.
Jenny
Loan Officer
Jenny brings extensive refinancing expertise and a reputation for exceptional customer care. Clients consistently praise her responsiveness and ability to simplify mortgage processes while maintaining attention to detail in every transaction.
Amanda
Loan Processor
Amanda ensures smooth loan processing with her organizational skills and commitment to timely closings. Her attention to documentation details and communication with clients and agents makes her a vital part of our mortgage team.
Jordanna Smith
Loan Officer
Jordanna specializes in purchase loans and first-time buyer education. Her patient approach helps new buyers understand mortgage options while connecting them with appropriate financing programs tailored to their specific needs.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, reverse mortgages, and refinance loans tailored to meet diverse homebuying needs.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs and provide educational resources to simplify the home purchase process.
Can you help with debt consolidation?
Our mortgage experts can evaluate your financial situation and determine if cash-out refinancing or other loan options suit your needs.
What areas do you service?
We primarily serve western Colorado communities including Fruita, Grand Junction, Loma, and Paonia.
How does the mortgage process work?
Our process includes pre-qualification, document submission, loan approval, and closing preparation with continuous client support.
What sets you apart from other lenders?
Our local expertise, personalized service, and 25+ year track record of helping Colorado families achieve homeownership differentiate us.