Local · City and County of Broomfield
Mortgage Lender in Broomfield, Colorado
A tech corridor income profile in a jurisdiction that is its own county. Broomfield files are rarely about the property. They are about the income.
Overview
Around Interlocken, the hard part is not the house. It is proving what you earn.
Broomfield became Colorado’s newest county in 2001, carved out of four others so the city would stop being split four ways — which means today everything records in one place. The lending challenge here is income structure, not geography. The Interlocken and Arista corridor is full of people paid in ways a conventional underwriter handles badly: restricted stock units, bonus-heavy compensation, consulting income routed through an LLC, or a large asset base and a modest salary. Every one of those has a correct way to be documented and a wrong way that gets a file declined. RSU income generally needs a vesting history and continuance. Consultants often qualify far better on deposits than on a tax return sanded down by write-offs. Buyers with real assets and little W-2 income can qualify on the assets themselves. The 2026 FHA limit here is $862,500 — worth noting that neighboring Boulder County is higher at $879,750 if your search crosses the line.
Who I work with here
Broomfield buyers I help most often
- Tech and biotech employees paid substantially in RSUs or bonus
- Independent consultants and LLC owners along the Interlocken corridor
- Buyers with significant assets and limited W-2 income
- Jumbo buyers above the $832,750 conforming limit
- Boulder Valley and Adams 12 employees using Schools to Home
- Anyone declined elsewhere over income documentation
Programs
What works well in Broomfield
Equity and bonus income
RSUs, vesting schedules and variable bonus income documented the way underwriting actually wants to see them.
Bank statement loans
Consultants and LLC owners qualify on 12–24 months of deposits rather than a written-down tax return. See the program.
Asset depletion
Large portfolio, small paycheck. Asset depletion converts what you hold into qualifying income.
Jumbo and non-QM
Above the conforming limit with flexible documentation. See jumbo options.
CHFA assistance
Broomfield buyers use the statewide CHFA programs. Up to $25,000 toward down payment and closing costs.
Two school districts
Boulder Valley and Adams 12 both serve parts of Broomfield — which matters if you are using CHFA Schools to Home as an employee of either.
Complicated income? That is the whole practice.
Send me how you actually get paid and I will tell you which program fits. Call (303) 557-3846 or start online.
Common questions about buying in Broomfield
Can I use RSU income to qualify for a mortgage in Broomfield?
Often, yes. Restricted stock unit income can be used when there is a documented vesting history and reasonable evidence it continues — typically a couple of years of vesting plus a schedule showing future awards. The common failure is a lender who simply ignores it and qualifies you on base salary alone, which can cut your purchasing power substantially in the Interlocken corridor.
How do self-employed consultants qualify in Broomfield?
Two routes. Traditional underwriting uses your tax returns, which means your write-offs work against you. A bank statement loan qualifies you on 12 to 24 months of business or personal deposits instead, with no tax returns required. For consultants who legitimately expense a lot, the bank statement route frequently doubles the approval amount. Asset depletion is a third option if you hold significant investments and take little income.
What is the FHA loan limit in Broomfield for 2026?
$862,500 for a single-family home. Broomfield is its own city and county and sits inside the Denver metro FHA area. Worth knowing if your search crosses the line: neighboring Boulder County is higher at $879,750. The conforming limit is $832,750.
I also lend across the metro: Westminster · Denver · Arvada · Thornton · Brighton · Aurora · VA loans in Colorado Springs