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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Colorado
  4. Aurora
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Aurora, CO

How much house can you afford in Aurora? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Aurora

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

American Financing

American Financing specializes in refinance and home purchase loans, guided by salary-based mortgage consultants who focus on transparent, no-upfront-fee service. Their offerings include cash-out refinancing, debt consolidation, and home equity loans, with in-house underwriting that often speeds up closings. Customers appreciate the clear communication and support throughout the process, though… more...

American Financing specializes in refinance and home purchase loans, guided by salary-based mortgage consultants who focus on transparent, no-upfront-fee service. Their offerings include cash-out refinancing, debt consolidation, and home equity loans, with in-house underwriting that often speeds up closings. Customers appreciate the clear communication and support throughout the process, though occasional closing delays have been noted.

Services & Prices
Pre-Approval Quoted per loan
Rate Locking Quoted per loan
View Profile
(866) 750-6551
Closed Now
3045 S Parker Rd #100, Aurora, CO 80014
General Services
Mortgage Services
2

Daniel Dixon at Guaranteed Rate

Guaranteed Rate focuses on using technology to simplify and speed up the mortgage process, offering products like FHA, VA, Jumbo, and Bank Statement loans. The team assists with home purchases, refinancing, and specialized programs such as down payment assistance, though some customers note communication can be slow during problem resolution.

View Profile
(303) 353-1509
Closed Now
3151 S Vaughn Way #520, Aurora, CO 80014
3

Speak Straight Mortgage, Aurora CO Mortgage Broker

Speak Straight Mortgage focuses on clear, honest communication to simplify the home loan process for Colorado borrowers. They provide a variety of loan options, including VA, FHA, USDA, and investor loans, with a local emphasis on transparency and efficient closings. Clients appreciate their responsiveness and straightforward guidance, though some interactions are primarily remote.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(720) 915-0415
Closed Now
6041 N Netherland Ct, Aurora, CO 80019
General Services
Mortgage Financing
4

Preferred Mortgage Lending: David Hutton, Mortgage Broker

Preferred Mortgage Lending specializes in guiding clients through a wide range of residential loan options, including conventional, FHA, VA, and jumbo loans. The team is known for clear communication and patient support, helping customers understand each step of the mortgage process. Some find the thoroughness requires a bit of extra time, but many appreciate the careful attention to detail.

Services & Prices
Rate Comparison Quoted per loan
View Profile
(303) 596-3835
Closed Now
5010 S Ukraine St, Aurora, CO 80015
General Services
Mortgage Services
5

Capitalink Mortgage Consultants LLC

Capitalink Mortgage Consultants LLC focuses on making mortgage and refinance processes clear and manageable for clients at all experience levels. The team offers detailed guidance through paperwork and supports customers with home closings that can even be done remotely. Many appreciate their clear communication and responsiveness throughout the process.

Services & Prices
Refinancing Quoted per loan
Mortgage Preparation Quoted per loan
View Profile
(303) 886-0881
Closed Now
11669 E Adriatic Pl, Aurora, CO 80014
General Services
Mortgage Services
Where they are 7 on the map Click a pin for the profile and directions
6

Rocky Mountain Mortgage, LLC

With over 20 years of experience in the Colorado market, Rocky Mountain Mortgage focuses on simplifying the loan process through clear communication and personalized mortgage solutions. They handle purchase, refinance, and government-backed loans for a variety of clients, including first-time buyers and investors. Customers appreciate the team’s responsiveness and guidance throughout each step.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(303) 505-8882
Closed Now
15137 E Wesley Ave, Aurora, CO 80014
General Services
Home Loan Services
7

A Plus Mortgage Co | Mortgage Lending Company | FHA, VA, USDA

A Plus Mortgage Co specializes in FHA, VA, and USDA loans, focusing on guiding first-time homebuyers through the mortgage process with clear communication and support. The team is known for being responsive and knowledgeable, helping clients feel comfortable and informed, though some may find the process detailed due to thoroughness.

View Profile
(720) 499-5387
Closed Now
3190 S Vaughn Way Suit 550, Aurora, CO 80014

Aurora Mortgage Statistics

Home-purchase lending in Arapahoe County and home costs in Aurora, CO (latest HMDA and Census data)

Lenders made 8,245 home-purchase loans in Arapahoe County in 2025 (average about $482,000) and denied 746 — 8% of decided applications, compared with 10% across Colorado, according to federal mortgage data (HMDA, CFPB). In Aurora, the median home is worth $469,100 and 75% of owners have a mortgage, paying a median $2,217 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
8,245▲ 2%8,095 in 2024
Denial rate
8%CO 10%
Median home value
$469,100CO $539,400
Monthly cost with a mortgage
$2,217median · CO $2,326
Refinance loans made (Arapahoe County, 2025)
4,554 · 3,453 in 2024
Home-improvement loans made (2025)
1,296
Average home-purchase loan
$482,000 (CO $511,000)
Owners with a mortgage
75% · 32% of them spend 30%+ of income on housing
Median household income
$88,368 (CO $95,470)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Arapahoe County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Aurora Mortgage Brokers stats: 7 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 American Financing 4.7 8619 Quoted per loan (866) 750-6551 Visit
2 Daniel Dixon at Guaranteed Rate 4.9 145 — (303) 353-1509 Visit
3 Speak Straight Mortgage, Aurora CO Mortgage Broker 4.9 52 Quoted per loan (720) 915-0415 Visit
4 Preferred Mortgage Lending: David Hutton, Mortgage Broker 5.0 40 Quoted per loan (303) 596-3835 Visit
5 Capitalink Mortgage Consultants LLC 5.0 21 Quoted per loan (303) 886-0881 —
6 Rocky Mountain Mortgage, LLC 5.0 15 Quoted per loan (303) 505-8882 Visit
7 A Plus Mortgage Co | Mortgage Lending Company | FHA, VA, USDA 5.0 4 — (720) 499-5387 Visit

How this Aurora mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Colorado rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.52% of the home's value a year, the Colorado average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the mortgage affordability calculator for Aurora work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and more. No sign-up needed.
What is the debt-to-income ratio for mortgages in Colorado?
Lenders often cap housing costs at 31% and total debt payments at 43% of gross monthly income, though some loans allow more with strong credit.
How much down payment is needed for a first-time buyer in Aurora?
First-time buyers need at least 3% down for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does private mortgage insurance (PMI) affect my mortgage?
With less than 20% down, PMI is added, about 0.6% of the loan annually. It can usually be removed once the loan balance is below 80% of the home's value.
How do interest rates impact how much I can afford in Aurora?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do my debts affect the mortgage I qualify for?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at around 43% of your gross monthly income.
What are property taxes like in Colorado?
Property taxes in Colorado are about 0.52% of the home's value annually, based on the 2024 average for owner-occupied homes.
What is the difference between pre-approval and pre-qualification?
Pre-approval is a more accurate estimate; lenders verify income, debts, credit, and down payment. Pre-qualification is a preliminary estimate.
What does a mortgage broker do in Aurora?
A mortgage broker helps find loan options that fit your needs by comparing different lenders' offers. They guide you through the mortgage process.

General information, not financial advice — consult a qualified professional.