The Larimer County residential market has apparently shed its "soft market" status in the eyes of some lenders. That means certain lenders can offer financing  on conventional loan with as little as 5% down. For approximately six months, many lenders had classified Larimer County as a soft market. Under a soft market classification, mortgage loans were subject to a 5% financing reduction, requiring at least a 10% down payment. In May, several lenders removed this classification which means 95% financing is again available on conventional loans.

The Group Real Estate Insider. June 2009. Market upgrade expands financing for local mortgage lenders. Fort Collins, Colorado. Volume 33, No. 5