Local · City and County of Denver
Mortgage Lender in Denver, Colorado
Denver is its own county, runs its own down payment assistance program, and writes its own rental rules. All three change how your file gets structured.
Overview
Denver is one of only two consolidated city-counties in Colorado. That simplifies some things and complicates others.
Because the city and the county are the same jurisdiction, recording, taxes and permits all run through one office — simpler than Aurora, which is split across three counties. Where Denver gets interesting is assistance: metroDPA is sponsored by the City and County of Denver itself, and it is not a first-time-buyer-only program. Current guidelines run to roughly $195,600 in household income with a 640 minimum credit score, and assistance is calculated as a percentage of your first mortgage rather than a flat grant — so the dollar amount scales with your loan. Denver also runs a Denver Advantage variant for buyers purchasing inside the city. I confirm the live numbers on every file, because these thresholds move. For 2026 the FHA limit here is $862,500 and the conforming limit is $832,750, which puts nearly the whole city inside standard financing.
Who I work with here
Denver buyers I help most often
- First-time and repeat buyers using metroDPA or CHFA
- Self-employed, freelance and creator-income buyers
- Investors buying long-term rentals in Green Valley Ranch and Montbello
- Buyers of older homes in Baker, Berkeley and Park Hill
- Move-up buyers in Central Park and Sloan’s Lake
- Anyone a big bank declined on income documentation
Programs
What works well in Denver
metroDPA
Denver’s own program, no first-time requirement in most cases, sized as a percentage of your loan. I will confirm current income and credit thresholds on your file.
CHFA assistance
Colorado’s statewide option, up to $25,000. Sometimes the better of the two — we compare. How CHFA works.
DSCR on long-term rentals
Denver restricts short-term rental licenses to your primary residence, so investor files here underwrite on long-term rents. See DSCR loans.
ADU financing
Denver legalized accessory dwelling units citywide. Appraising and financing them takes a lender who has done it before.
Self-employed and creator income
A dense freelance and creative economy. Bank statement and creator-income programs qualify you on deposits.
Older housing stock
Baker, Park Hill and Berkeley bungalows draw appraisal conditions that derail unprepared files. I plan for them up front.
Buying in Denver? Let us structure it properly.
Tell me the neighborhood and the price range and I will tell you which assistance program actually wins. Call (303) 557-3846 or start online.
Common questions about buying in Denver
Should I use metroDPA or CHFA in Denver?
It depends on your loan size, income and how long you plan to stay. metroDPA is sponsored by the City and County of Denver and sizes the assistance as a percentage of your first mortgage, so it scales with the loan; CHFA offers up to $25,000 and is available statewide. On larger loans metroDPA often produces more money; on smaller ones CHFA frequently wins. I run both before recommending either.
Can I get a DSCR loan for a short-term rental in Denver?
Denver restricts short-term rental licenses to your primary residence, so a pure short-term rental investment generally is not viable inside city limits. DSCR loans still work well here — they simply underwrite on long-term market rent instead of nightly projections. If short-term rental income is central to your plan, we should look at jurisdictions with different rules.
What is the 2026 FHA loan limit in Denver?
$862,500 for a single-family home, with a conforming limit of $832,750. Denver is a consolidated city and county, so the same limits apply everywhere inside city limits.
I also lend across the metro: Westminster · Arvada · Thornton · Brighton · Broomfield · Aurora · VA loans in Colorado Springs