Denver mortgage broker, on your side

Buying a home in Denver

Denver's neighborhoods are wildly different markets on the same mortgage application. A brick bungalow in Berkeley, a new build in Central Park, a converted duplex in the Highlands, and a midcentury ranch in Virginia Village all move at their own pace and price.

That variety is good news for buyers. In balanced stretches, inspection objections get taken seriously and seller credits toward closing costs are a normal conversation. We will tell you what the current market is doing in your price band before you write an offer.

Why a local broker instead of a single bank

A bank can only offer its own menu. We take your scenario to more than 70 wholesale mortgage banks through the IMB network, compare what comes back, and place the loan where it prices best. Polygon Research found brokered borrowers saved an average of 10,662 dollars over the life of the loan compared with nonbank retail lenders, based on 2023 HMDA data. Those are market averages, not a quote.

Being local also matters on the details: Denver's property tax and insurance trends, condo warrantability downtown, and which lenders turn an appraisal around fastest in this county.

Programs Denver buyers use most

First-time buyers lean on three percent down conventional loans, CHFA assistance, and metro-area down payment programs. Move-up buyers often plan around dropping mortgage insurance at twenty percent equity. Veterans use the VA loan's zero down, no mortgage insurance structure constantly, and jumbo financing covers the higher priced neighborhoods.

Where we lend

All of Denver plus the surrounding communities: Aurora, Lakewood, Arvada, Westminster, Centennial, Englewood, Littleton, Thornton, and Commerce City, among others. Licensed statewide in Colorado and in eight more states.