Golden mortgage broker at the foot of the mountains

Buying a home in Golden

Golden's housing stock spans 1800s character homes near downtown, midcentury ranches, and newer builds on the west side. Each comes with its own loan considerations, from insurance on older roofs to appraisal comps in a small inventory market.

Prices here often land above the conforming limit, which makes lender shopping matter even more. Jumbo pricing varies widely between banks, and wholesale lenders frequently compete hard for well qualified jumbo files.

Why a 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. Those are better-than-market interest rates and fair, competitive fees because the banks bid for your file instead of one bank setting the terms.

What Golden buyers use most

Conventional loans with three percent down work for many first-time buyers, and CHFA assistance can help with the down payment if your income and target price fit current limits. Veterans use VA financing's zero down structure, and move-up buyers often lean on the equity in their current home.

Where we lend around Golden

All of Golden plus nearby communities: Wheat Ridge, Arvada, Lakewood, Genesee, Evergreen, and Idledale. Licensed statewide in Colorado and in eight more states.