Commerce City, CO
Your Commerce City, CO mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Commerce City — clear guidance from pre-approval through closing.
Commerce City home loans, the honest version.
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.
That market shapes the loan. Because Adams County is a high-cost area, the 2026 one-unit conforming limit is $862,500 — above the national baseline. So many Commerce City buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $862,500 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Commerce City from the ground up — close to the Rocky Mountain Arsenal National Wildlife Refuge. We finance homes across Rose Hill, Adams City, Reunion, and Prairie Gateway — and every other corner of Commerce City. Looking for a mortgage broker near you in Commerce City? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Commerce City market knowledge
Near the Rocky Mountain Arsenal National Wildlife Refuge, across Rose Hill, Adams City, Reunion — we know Commerce City's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Commerce City buyers often start with high-balance, FHA, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Commerce City file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Commerce City loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Commerce City, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. 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.”
Matched to your Commerce City purchase, not a template.
For Commerce City we lean on high-balance, FHA, first-time-buyer through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Commerce City, we also help buyers in Thornton, Denver, Northglenn. See all Colorado cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Commerce City, CO buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Commerce City office.
Commerce City mortgage questions, answered.
What's the 2026 conforming loan limit in Commerce City?
In Adams County, the 2026 conforming loan limit is $862,500 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Commerce City?
Most Commerce City buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Commerce City neighborhoods do you serve?
We serve buyers across Commerce City, including Rose Hill, Adams City, Reunion. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Commerce City, CO?
Yes. We help Commerce City homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate CO financing for you.
Do you serve areas near Commerce City?
Yes — we also work with buyers in nearby Thornton, Denver, Northglenn. Same process, local loan-limit details for each.
Let's finance your Commerce City home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Commerce City purchase and shop the lenders for you.