All Colorado Mortgage Rates & Cities
Denver Mortgage Broker
Denver, Colorado Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local CO expertise, Denver County knowledge, pre-approval in 24 hours.
$862,5002026 conforming limit (Mid-Tier)
CO licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Denver Mortgage Quick Facts
Denver County qualifies for an above-baseline mid-tier conforming amount. Here's the snapshot of the Denver, CO mortgage market.
$862,500
2026 Conforming Limit
(Mid-Tier)
(Mid-Tier)
$590K
Median Home Price
(Denver Metro)
(Denver Metro)
715K
Population
(Denver)
(Denver)
9 states
Where OnPoint is Licensed
(incl. Colorado)
(incl. Colorado)
Calculate Your Denver Mortgage Payment
Defaults reflect a typical Denver scenario. Switch loan type, adjust the price, or open the advanced section for taxes and insurance.
Calculator is an estimate. Your actual rate is priced individually — pricing varies by FICO, LTV, DTI, and program. See full Colorado rate comparison →
Why Use a Mortgage Broker in Denver
Denver sits in Colorado's Denver-metro mid-tier conforming zone at $862,500. Hot market for conventional, conforming high-balance, and DSCR investor loans given Denver's strong short-term rental and house-hack culture.
Local CO Knowledge
Denver County conforming limits, Colorado-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Denver market without delay.
Loan Programs Available in Denver
Every loan type used in the Denver, CO market — we match your file to the lender and program with the best pricing for your scenario.
Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →DSCR Investor
Qualify rental properties on rent vs. payment. No tax returns.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →
Free · 24-Hour Turnaround
Get Your Denver Mortgage Quote
A licensed Colorado loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A Colorado loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Denver Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Denver scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Denver market.
3
Close in 21-30 Days
Standard close timing for most Denver purchase loans. Refi typically 21-35 days.
Denver Mortgage FAQ
What's the 2026 conforming loan limit in
Denver is in Denver County, which falls under the Mid-Tier conforming tier at $862,500. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed across all of Colorado — NMLS #2134550. We close loans in Denver and every other major metro in the state. Our state-wide Colorado mortgage page covers conforming limits county by county, state-specific DPA programs, and the cities we close in most often.
How fast can I close a mortgage in
Purchase loans in Denver typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Denver-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across Colorado for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Denver mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Denver scenario.
Continue Browsing Colorado Mortgages
Denver is one of many Colorado markets we close in. Compare rates state-wide or jump to a nearby city.
Get Your Denver Mortgage Quote in 24 Hours
Free analysis from a licensed Colorado mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-5pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Denver mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Denver is in Denver County, Colorado, with a 2026 conforming loan limit of $862,500 (Mid-Tier). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.