Mortgage broker serving Denver, Colorado
Purchase, refinance, and investor financing for Denver homeowners — from Berkeley bungalows and Baker duplexes to new-build townhomes in RiNo.
Denver's housing stock is unusually varied for a city its size: 1920s brick bungalows in Park Hill, scraped-and-rebuilt duplexes in Sloan's Lake, condo conversions downtown, and townhome rows in RiNo and Sunnyside. Each of those property types underwrites differently, and the loan that works for a Highlands single-family will not always work for a non-warrantable LoDo condo. We match the program to the property before you write an offer, so your approval letter survives underwriting.
Denver purchase contracts move fast and appraisal gaps are common, so listing agents read pre-approval letters carefully. We underwrite income and assets up front rather than issuing a soft credit-only letter, which is what lets Denver buyers shorten financing deadlines and compete without waiving inspection.
If you already own in Denver, the equity picture has shifted. Many owners carry a low first mortgage they do not want to touch — a second-position equity line or a cash-out on an investment property is usually the better move than refinancing the whole balance.
Areas we finance in and around Denver
Programs Denver buyers and owners use most
The workhorse programs for Denver single-family and townhome purchases.
CHFA and metro-area DPA that pairs with a Denver purchase.
Pull equity without giving up a low first-mortgage rate.
Qualify a Denver rental on its rent, not your tax returns.
For Denver business owners whose returns understate real income.
Rate-and-term or cash-out on your Denver property.
Questions we hear from Denver clients
How much do I need down to buy in Denver?+
Conventional financing starts at 3% down for qualified first-time buyers and 5% for repeat buyers. FHA is 3.5% down, VA and USDA can be zero down where eligible. Denver's price points mean the practical question is usually monthly payment and reserves rather than the minimum percentage — we run both before you shop.
Are Denver condos harder to finance?+
Sometimes. Conventional and FHA financing requires the building itself to pass a project review covering owner-occupancy ratio, HOA reserves, litigation, and single-entity ownership. Several downtown and Golden Triangle buildings fail one of those tests. We check the project before you go under contract and, when needed, use a lender that allows non-warrantable condos.
Do I need a jumbo loan in Denver?+
Not as often as buyers expect. Denver County sits in a high-balance conforming area, so loan amounts above the national baseline can still finance as conventional high-balance — usually at better terms than jumbo. We check your exact loan amount against the current county limit.
Can I use a Denver home as a short-term rental and still finance it?+
Denver requires short-term rentals to be in your primary residence, which affects how the loan is underwritten. If you plan on a long-term rental instead, a DSCR loan qualifies on the property's rent. Tell us the intended use up front — occupancy is the single most common cause of a loan falling apart late.
How fast can we close on a Denver purchase?+
Twenty-one to thirty days is normal with a complete file. If you are pre-approved with income and assets already underwritten, we can shorten the financing deadline in your contract, which is often worth more than a small price concession in a competitive Denver bid.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.