Aurora, CO
Aurora, CO home loans, coordinated by the owner.
FHA, VA, high-balance programs sized to Aurora budgets — matched to your Aurora file, from Saddle Rock to every corner of Aurora.
Does Choice Home Mortgage work with Aurora, CO buyers?
Yes. Choice Home Mortgage arranges home loans for Aurora buyers through licensed partner brokers who cover Colorado. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Aurora loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit Aurora home can carry a conforming loan of up to $862,500, the Arapahoe County limit FHFA sets, and we check where your Aurora price falls before you write an offer. The whole process runs by phone and online.
Aurora home loans, the honest version.
Aurora is one of Colorado’s largest cities and a lower-entry-cost gateway to the Denver metro, with housing from starter homes to planned communities and demand reinforced by Buckley Space Force Base.
The loan has to fit the Aurora picture. For an Aurora one-unit home, the 2026 conforming line sits at $862,500 — high-cost-area room for Aurora buyers. Expect the $862,500 question early on any Aurora purchase — where the price lands decides whether conforming, high-balance, or jumbo carries the Aurora loan. Aurora sits solidly middle-of-market as a price tier, matching Arapahoe County’s high-cost status. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 345,000-plus people live in Aurora — Saddle Rock, Tallyn's Reach, and between — a short drive from Commerce City or Centennial. From Cherry Creek State Park and the Aurora Reservoir outward, we treat Aurora as home turf. Name the Aurora neighborhood — Saddle Rock, Heather Ridge, Aurora Highlands, and Tallyn's Reach or beyond — and we finance there. If you’re in Aurora hunting for a nearby broker: we work Aurora loans by phone and online, Aurora knowledge included. Colorado coverage here spans 21 cities, Aurora among them — each on its own county limits, each shopped the same way.
One file, many lenders, Aurora terms.
Aurora know-how
From Cherry Creek State Park and the Aurora Reservoir across Saddle Rock, Heather Ridge, Aurora Highlands, we keep tabs on what Aurora homes actually go for and which programs carry them.
First Aurora home help
The Aurora starting lineup is usually FHA, VA, high-balance; we add whichever down-payment help your Aurora budget is eligible for.
Lenders shopped for you
Your Aurora file gets shopped across many lenders — a broker working Aurora, not one bank's sales desk.
Owner-coordinated
The owner, Esther Buede, is who Aurora buyers talk to, and she coordinates the Aurora file with our licensed partner brokers.
Your Aurora loan, one owner's desk.
Your Aurora file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Aurora, Heather Ridge included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Programs shaped to Aurora price tags.
Demand around Cherry Creek State Park and the Aurora Reservoir keeps FHA activity steady in Aurora. For Aurora we lean on FHA, VA, high-balance through our licensed partner-broker network — but whatever fits your Aurora file, we shop it: VA, FHA loans, conventional, and non-QM. Start where it suits you: buying, refinancing your mortgage, or testing the numbers — get started here or call (949) 522-7310.
The programs that come up most for Aurora buyers: high-balance, FHA, VA.
Self-employed in Aurora? We also work with self-employed buyers — 1099 income included, plus DSCR investor loans for Aurora investors. Want every unit count, not just single-family? Arapahoe County’s 2026 loan limits page has the full table.
Buyers in Commerce City, Centennial, Thornton get the same treatment as Aurora files. See all Colorado cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Aurora, CO buyers through licensed partner brokers. Equal Housing Opportunity. We work with Aurora buyers remotely and maintain no Aurora office.
Straight answers for Aurora buyers.
What loan size keeps an Aurora mortgage conforming?
$862,500 is the 2026 conforming limit for a single-family home in Aurora, based on FHFA's figure for Arapahoe County. Loans from $832,750 up to $862,500 count as high-balance conforming in high-cost Arapahoe County; above $862,500, the loan is jumbo. For two units, the Arapahoe County conforming limit is $1,104,150.
Which programs fit Aurora first-time buyers?
FHA, VA and conventional loans fit most first-time buyers in Aurora, and the right one depends on your credit score and down payment. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. An FHA loan on one unit in Arapahoe County can go to $862,500 in 2026 (HUD).
Can you finance a home anywhere in Aurora?
Yes, anywhere in Aurora, from Saddle Rock to Tallyn's Reach. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Saddle Rock to Tallyn's Reach, a licensed partner broker originates the loan and we coordinate it by phone and online.
Can Choice Home Mortgage help me buy in Aurora, CO?
Yes. Choice Home Mortgage helps Aurora buyers through licensed partner brokers in Colorado, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Aurora office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you cover the towns around Aurora?
Yes, the towns around Aurora are covered, including Commerce City, Centennial and Thornton. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as an Aurora file.
Do I ever need to visit an office for my Aurora loan?
No. An Aurora loan runs by phone and online, and Choice Home Mortgage has no local office to visit. A licensed partner broker in Colorado originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Let's get you home in Aurora.
Tell us where in Aurora you're headed — the program match and the Aurora lender legwork are on us.