Commerce City, CO
Commerce City, CO home loans, coordinated by the owner.
We put high-balance, FHA, first-time-buyer to work for Commerce City buyers — matched to your file, whether the address is Rose Hill or anywhere else in Commerce City.
Can Choice Home Mortgage help me buy a home in Commerce City, CO?
Yes. Choice Home Mortgage helps Commerce City buyers and homeowners through licensed partner brokers who handle the Colorado licensing, while we coordinate the Commerce City file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
The 2026 conforming limit for a one-unit Commerce City home is $862,500 (Adams County, per FHFA). We start every Commerce City file by placing the price against that number, then handle the application, documents and updates by phone and online.
How Commerce City buyers reach closing in Commerce City.
Commerce City is Denver metro’s industrial-edge affordable market, adjacent to the 27-square-mile Rocky Mountain Arsenal National Wildlife Refuge that functions as a permanent green buffer; the Reunion master-planned community brings new-construction inventory well below comparable Denver addresses, with DIA-corridor employment adding durable demand.
Financing follows that Commerce City math. On a one-unit Commerce City home, conforming reaches $862,500 for 2026 — the high-cost ceiling Adams County carries. So many Commerce City buyers use high-balance or jumbo financing — knowing where a Commerce City purchase lands against that $862,500 line is half the work. As a market, Commerce City runs solidly middle-of-market — consistent with Adams 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.
Commerce City counts 49,000-plus residents, Rose Hill to Prairie Gateway, with Thornton and Denver close enough to house-hunt the same weekend. We work Commerce City from the ground up — close to the Rocky Mountain Arsenal National Wildlife Refuge. From Rose Hill, Adams City, Reunion, and Prairie Gateway to everywhere else on the Commerce City map — the financing reaches all of it. Need a broker near you in Commerce City? Everything runs by phone and online, so Commerce City expertise comes straight to you. We work 21 cities across Colorado; Commerce City gets the same discipline as all of them — verify the Commerce City numbers, then shop the loan.
The broker difference, Commerce City edition.
Commerce City market knowledge
Commerce City pricing shifts pocket by pocket — Rose Hill, Adams City, Reunion, near the Rocky Mountain Arsenal National Wildlife Refuge — and the loan should match the pocket you pick.
Down-payment friendly
Commerce City buyers often start with high-balance, FHA, first-time-buyer — we match Commerce City files to the down-payment and first-time programs they qualify for.
Many lenders, one file
Your Commerce City file gets shopped across many lenders — a broker working Commerce City, not one bank's sales desk.
Direct to the owner
Esther Buede, the owner, coordinates your Commerce City loan start to finish; our Google reviews show Commerce City buyers why that matters.
Commerce City files get the owner as coordinator.
Your Commerce City file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Commerce City, Adams City included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
The right Commerce City loan for your situation.
Between the Rocky Mountain Arsenal National Wildlife Refuge and everything around it, Commerce City high-balance demand stays steady. Through licensed partner brokers, Commerce City buyers lean on high-balance, FHA, first-time-buyer most — and whatever else the Commerce City numbers call for: conventional, FHA loans, VA, and non-QM. Ready or just curious — buying, refinancing, or running scenarios — start your application here or call (949) 522-7310.
For Commerce City, that usually means high-balance, FHA, first-time-buyer, down-payment-assistance.
Not every Commerce City file fits a W-2 box — self-employed buyers can qualify on 1099 income, and Commerce City investors can lean on no-income investor financing. Want every unit count, not just single-family? Adams County’s 2026 loan limits page has the full table.
Beyond Commerce City itself, Thornton, Denver, Northglenn buyers work with us the same way. Browse our Colorado service areas →
Commerce City, CO buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We work with Commerce City buyers remotely and maintain no Commerce City office.
Commerce City mortgage questions, answered.
What counts as a conforming loan amount in Commerce City?
A conforming loan on a one-unit Commerce City home can go up to $862,500 in 2026, which is FHFA's limit for Adams County. Loans from $832,750 up to $862,500 count as high-balance conforming in high-cost Adams County; above $862,500, the loan is jumbo. Two-unit homes in Adams County have a $1,104,150 conforming limit for 2026.
Do Commerce City first-time buyers have good loan options?
Yes. First-time buyers in Commerce City can choose from FHA and conventional loans, and down-payment assistance where they qualify. 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 Adams County can go to $862,500 in 2026 (HUD).
What parts of Commerce City do you work in?
Every part of Commerce City, including Rose Hill, Adams City, Reunion and Prairie Gateway. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Rose Hill and Prairie Gateway, and we coordinate them by phone and online.
Are you set up to arrange loans in Commerce City, CO?
Yes. Commerce City loans are arranged through licensed partner brokers in Colorado, with Choice Home Mortgage coordinating the file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Commerce City 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 serve areas near Commerce City?
Yes. Besides Commerce City, we also arrange loans in Thornton, Denver and Northglenn through licensed partner brokers. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Commerce City file.
What does the mortgage process look like from Commerce City?
From Commerce City, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. A licensed partner broker in Colorado originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders.
Buying near Commerce City? We cover that too
Let's get you home in Commerce City.
One call with the owner — local, honest, no pressure. We'll match the program to your Commerce City purchase and shop lenders for your Commerce City file.