Denver, CO
Denver, CO financing that matches Denver prices.
In Denver, the loan has to keep up with the price — high-balance, jumbo, move-up — and ours are built from real Denver numbers, LoDo outward.
Does Choice Home Mortgage work with Denver, CO buyers?
Yes. Choice Home Mortgage arranges home loans for Denver 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 Denver loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Denver, FHFA's 2026 one-unit limit is $862,500 (Denver County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What it costs to buy in Denver — and how to finance it.
Denver’s prices are elevated by a decade of in-migration from coastal markets; the market has cooled toward balance, giving buyers room while prices stay well above the national median.
That Denver market shapes the loan. On a one-unit Denver home, conforming reaches $862,500 for 2026 — the high-cost ceiling Denver County carries. Which is why high-balance and jumbo structures are everyday Denver work — step one on a Denver file is placing the price against $862,500. Denver sits above the national norm as a price tier, matching Denver 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.
Denver holds 649,000-plus residents across pockets like LoDo and Washington Park, with Westminster and Thornton right next door. Denver isn’t an abstraction to us — we know it down to the downtown skyline against the Rocky Mountains. From LoDo, Capitol Hill, Cherry Creek, and Washington Park to everywhere else on the Denver map — the financing reaches all of it. Searching “mortgage broker near me” from Denver? We cover Denver by phone and online — Denver-level market help, no office visit. Of the 21 Colorado cities we serve, Denver plays by its own numbers — that’s the point: the Denver file, not a state template.
How Denver buyers come out ahead.
Local Denver insight
Near the downtown skyline against the Rocky Mountains, across LoDo, Capitol Hill, Cherry Creek — we know how Denver prices and programs actually work.
High-balance & jumbo ready
Price tags in Denver sit above the national norm, so we build jumbo, high-balance strategies sized to Denver.
Lenders shopped for you
As a broker we put many lenders in competition for your Denver file — not one bank's Denver shelf.
Owner-coordinated
Esther Buede, the owner, coordinates your Denver loan start to finish; our Google reviews show Denver buyers why that matters.
One name coordinating every Denver loan.
Your Denver loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from Capitol Hill across the Denver map. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Built around your Denver home, not a shelf product.
Demand around the downtown skyline against the Rocky Mountains keeps jumbo activity steady in Denver. The Denver playbook usually starts with jumbo, high-balance, arranged through licensed partner brokers — then we shop whatever your Denver file calls for: non-QM, VA, conventional, and FHA loans. Come in at your own pace — buying, refinancing, or comparing paths — apply in minutes or call (949) 522-7310.
Denver buyers most often work with jumbo, high-balance.
Self-employed in Denver? We also work with self-employed buyers — bank-statement income included, plus DSCR investor loans for Denver investors. Want every unit count, not just single-family? Denver County’s 2026 loan limits page has the full table.
Beyond Denver itself, Westminster, Thornton, Northglenn buyers work with us the same way. See all Colorado cities we serve →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Denver, CO buyers through licensed partner brokers. Equal Housing Opportunity. No Denver office — we work with Denver buyers remotely.
Real questions from Denver buyers.
What's the conforming cap on a Denver home loan?
The 2026 conforming loan limit for a one-unit home in Denver is $862,500, the figure FHFA set for Denver County. Loans from $832,750 up to $862,500 count as high-balance conforming in high-cost Denver County; above $862,500, the loan is jumbo. A two-unit property in Denver County can borrow up to $1,104,150 and stay conforming.
How do Denver buyers finance above the conforming limit?
Denver buyers who need more than $862,500 (the 2026 Denver County limit) use a jumbo loan, or put more down so the loan stays under it. High-balance conforming covers loans from $832,750 up to $862,500 in Denver County. A licensed partner broker originates the loan while we compare those options across many lenders.
Are certain Denver neighborhoods outside your coverage?
No. Every Denver neighborhood is covered, LoDo, Capitol Hill, Cherry Creek and Washington Park included. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Wherever the address is, from LoDo to Washington Park, a licensed partner broker originates the loan and we coordinate it by phone and online.
Are you set up to arrange loans in Denver, CO?
Yes. Denver loans are arranged through licensed partner brokers in Colorado, with Choice Home Mortgage coordinating the 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.
What about the towns just past the Denver line?
We cover those too: Westminster, Thornton and Northglenn are in our service area along with Denver. 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 Denver file.
How do we work together on a Denver purchase?
We start with a call to map your Denver purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Colorado licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Let's get you home in Denver.
Straight answers on your Denver options, and a broker shopping the whole market for Denver buyers like you.