Denver · Denver County
Denver Home Loans & Mortgage Services
Conventional Loans, FHA Loans, VA Loans and more for buyers and owners in Denver, from a Colorado mortgage broker with offices in Boulder and Vail.
- 4.9 from 60+ Google reviews
- $1B+ funded
- 30+ years of experience
Life in Denver
Denver is Colorado's capital and cultural epicenter — a booming city of 2.8 million that perfectly balances urban sophistication with mountain access. The city offers 300+ days of sunshine, a thriving food scene (James Beard Award winners abound), world-class breweries, professional sports teams, and a live music culture that rivals Austin. Neighborhoods like LoDo, Cherry Creek, the Highlands, and RiNo each have distinct personalities, from historic Victorian charm to cutting-edge contemporary design. Denver's economy is among the most diversified and fastest-growing in the nation, driven by tech, aerospace, healthcare, and energy sectors. And the mountains are always right there — 70 minutes to world-class skiing, with Rocky Mountain National Park, fourteeners, and endless outdoor recreation within easy reach.
What draws buyers here
- Colorado's capital city
- Thriving job market and economy
- 300+ days of sunshine annually
- Easy access to Rocky Mountains
- Diverse neighborhoods and lifestyles
- World-class dining and entertainment
Owning property in Denver
Denver real estate combines strong fundamentals with genuine lifestyle value. The metro area's population growth, diverse economy, and limited water resources (which naturally constrain sprawl) support long-term appreciation. Average home prices around $650,000 offer accessibility compared to coastal cities, while Denver consistently ranks among the top markets for rent-to-price ratios. The city's rail expansion, infrastructure investment, and growing cultural scene attract talent from both coasts. Whether you're buying in established Cherry Creek or up-and-coming RiNo, Denver property is a smart long-term investment. Cedar Home Loans offers conventional, FHA, VA, jumbo, and first-time buyer financing across the entire metro area.
- County
- Denver County
- Typical home price
- About $650,000
- Loans we arrange here
- Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, First-Time Buyer Programs
Prices are approximate and change with the market. Loan limits vary by county; see Colorado loan limits by county.
Financing a home in Denver: what's different
Lending details specific to Denver County.
A wider product mix than the mountains
Down payment assistance that actually works
Condos in LoDo, Uptown and Capitol Hill
Winning with an appraisal gap plan
Duplexes, ADUs and house hacking
Denver neighborhoods
LoDo (Lower Downtown)
Cherry Creek
Highlands
Denver mortgage questions
Denver mortgage rates change daily based on market conditions. Contact Cedar Home Loans at (303) 549-5277 for current rates and a personalized quote based on your credit score and down payment.
Yes! We offer FHA loans for Denver homebuyers with down payments as low as 3.5% and credit scores starting at 580. FHA loans are popular with Denver first-time buyers because of their flexible qualification requirements.
Absolutely! We specialize in first-time buyer programs including CHFA down payment assistance (a grant of up to 3%, or a deferred second mortgage of up to 4%, of the first mortgage amount, capped at $25,000; income limits apply), FHA loans with 3.5% down, and conventional loans with just 3% down. Denver also has metro-specific programs for qualifying buyers.
With the Denver metro median home price around $550,000, you'd need approximately $19,250 for a 3.5% FHA down payment or $27,500 for 5% conventional down. Closing costs add another 2-4%. With CHFA assistance, your out-of-pocket costs could be significantly lower. You'd need roughly $90,000-$110,000 annual income to qualify.
The Denver market has shifted toward buyers in 2026 with more inventory and longer days-on-market compared to 2021-2022. This means less competition, more negotiating power, and better opportunities for buyers. Having a strong pre-approval from a local lender like Cedar Home Loans gives you a significant advantage.
Yes, we serve the entire Denver metro area including Aurora, Lakewood, Arvada, Littleton, Englewood, Westminster, Thornton, Broomfield, Golden, Centennial, Highlands Ranch, Parker, and Castle Rock.
Buying or refinancing in Denver?
Get pre-approved online, or call Andrew. He has 30+ years of experience financing Colorado homes.