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.
Who can help me get a mortgage in Centennial, CO?
Choice Home Mortgage can. We arrange Centennial home loans through licensed partner brokers in Colorado and coordinate each Centennial file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Centennial, FHFA's 2026 one-unit limit is $862,500 (Arapahoe County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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. Centennial’s price tier is solidly middle-of-market, the same reality behind Arapahoe County’s high-cost limit. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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, coordinating
The owner, Esther Buede, is who Centennial buyers talk to, and she coordinates the Centennial file with our licensed partner brokers.
One owner, coordinating your whole loan.
Every Centennial file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Centennial plans, Willow Creek or anywhere in 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 financing, and conventional. Come in at your own pace — buying, refinancing, or comparing paths — get started here or call (949) 522-7310.
Expect high-balance, conventional, move-up to carry most Centennial files.
Centennial 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s; Centennial investors have DSCR investor loans too. Want every unit count, not just single-family? Arapahoe County’s 2026 loan limits page has the full table.
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?
$862,500 is the 2026 conforming limit for a single-family home in Centennial, 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. Two-unit homes in Arapahoe County have a $1,104,150 conforming limit for 2026.
What's the usual first mortgage for a Centennial buyer?
For a first home in Centennial, the usual choices are conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Arapahoe County is $862,500. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Which Centennial neighborhoods do you serve?
We finance homes in every Centennial neighborhood, including Foxridge, Willow Creek, Piney Creek and Cherry Knolls. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Foxridge and Cherry Knolls, and we coordinate them by phone and online.
Do you work with Centennial, CO buyers?
Yes. We work with Centennial buyers through licensed partner brokers who hold the Colorado license, and we coordinate each file. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Can you help outside Centennial too?
Yes. Our coverage goes past Centennial to Littleton, Parker and Aurora. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Centennial file. FHFA's 2026 one-unit limit for Arapahoe County is $862,500.
How do we work together on a Centennial purchase?
We start with a call to map your Centennial purchase, then coordinate the application, documents and updates online. 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.
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.