Centennial, CO
The straight path to a Centennial mortgage.
We put high-balance, conventional, move-up to work for Centennial buyers — matched to your file, whether the address is Foxridge or anywhere else in Centennial.
Buying in Centennial: the numbers that matter.
Centennial was Colorado’s largest-ever municipal incorporation when it formed in 2001, absorbing established planned subdivisions with Denver Tech Center access and the Cherry Creek School District; its deed-restricted HOA communities attract professional households seeking predictable appreciation without urban density.
So the Centennial strategy starts with the market, not the rate sheet. Because Arapahoe County is high-cost, a Centennial one-unit purchase can reach $862,500 and stay conforming on a Centennial file. Centennial contracts crossing $862,500 are normal here; the strategy is picking the high-balance or jumbo shape that prices best for your Centennial deal. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
106,000-plus residents make Centennial home — across Foxridge, Cherry Knolls, and between — with Littleton and Parker nearby. Centennial isn’t an abstraction to us — we know it down to the Streets at SouthGlenn. Name the Centennial neighborhood — Foxridge, Willow Creek, Piney Creek, and Cherry Knolls or beyond — and we finance there. If you’re in Centennial hunting for a nearby broker: we work Centennial loans by phone and online, Centennial knowledge included. Of the 21 Colorado cities we serve, Centennial plays by its own numbers — that’s the point: the Centennial file, not a state template.
How Centennial buyers come out ahead.
Centennial, block by block
We work Centennial street by street — Foxridge, Willow Creek, Piney Creek and beyond — matching each neighborhood's prices to programs that fit.
First-time & assistance
We open most Centennial files with high-balance, conventional, move-up, then layer in whatever down-payment help your Centennial numbers qualify for.
Lenders shopped for you
Centennial loans here go to whichever lender earns them — we shop the Centennial file wide.
The owner, on your file
Your Centennial file is handled by owner Esther Buede herself — in Centennial or Littleton, hers is the name buyers recognize from our reviews.
One owner, handling your whole loan.
Every Centennial file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). Closing loans since 2005, she’ll know your Centennial plans — Willow Creek or anywhere Centennial — and your name from the first call. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Matched to your Centennial purchase, not a template.
High-balance work anchors our Centennial lending, with the Streets at SouthGlenn part of the pull. High-balance, conventional, move-up carry most of our Centennial work (via our licensed partner-broker network) — and beyond those, Centennial buyers get the full menu: VA, non-QM, FHA, and conventional. Come in at your own pace — buying, refinancing, or comparing paths — get started here or call (949) 522-7310.
Beyond Centennial itself, Littleton, Parker, Aurora buyers work with us the same way. All our Colorado coverage, city by city →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Centennial, CO buyers through licensed partner brokers. Equal Housing Opportunity. We work with Centennial buyers remotely and maintain no Centennial office.
Real questions from Centennial buyers.
Where does the Centennial conforming loan limit sit for 2026?
Because Arapahoe County counts as high-cost, Centennial buyers get a $862,500 single-family ceiling for 2026. Per FHFA — we'll confirm your Centennial numbers.
What's the usual first mortgage for a Centennial buyer?
High-balance, conventional, move-up do the heavy lifting for Centennial first-timers. We sort which fit your numbers, plus any assistance your Centennial file earns.
Which Centennial neighborhoods do you serve?
Anywhere in Centennial works — Foxridge, Willow Creek, Piney Creek, Cherry Knolls and every block between. The Centennial address changes the comps, not how hard your file gets shopped.
Do you work with Centennial, CO buyers?
We do — via licensed partner brokers. We're California-licensed (NMLS #2629064) and quarterback the Centennial, CO file so Centennial buyers still get many lenders shopped.
Can you help outside Centennial too?
Absolutely — Littleton, Parker, Aurora included. The Centennial playbook travels; only the county numbers change.
How do we work together on a Centennial purchase?
Everything runs by phone and online: application, documents, updates. We coordinate your Centennial purchase with our licensed partner brokers handling the CO side — no office visit involved.
Beyond Centennial: nearby cities we work
Let's finance your Centennial home.
Talk to the owner directly. We'll map the right loan for your Centennial home and put lenders in competition for Centennial business.