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Review Keywords Analysis

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

Mortgage Affordability Calculator Denver, CO

How much house can you afford in Denver? 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 Denver

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

1

Dave Cook | Denver Mortgage Lounge | A Division of Luminate Bank

Known for clear, organized communication and a flexible approach, Denver Mortgage Lounge helps clients navigate the mortgage process with detailed explanations and a variety of lending options. The team offers personalized guidance supported by helpful tools and technology, making home financing less stressful for buyers. Some clients note a preference for a more streamlined experience, but… more...

Known for clear, organized communication and a flexible approach, Denver Mortgage Lounge helps clients navigate the mortgage process with detailed explanations and a variety of lending options. The team offers personalized guidance supported by helpful tools and technology, making home financing less stressful for buyers. Some clients note a preference for a more streamlined experience, but overall the service is thorough and approachable.

View Profile
(303) 226-8735
Open 8:00 AM - 5:30 PM
201 Columbine St Unit 300, Denver, CO 80206
2

Columbine Mortgage LLC

Columbine Mortgage focuses on a transparent, personal approach that helps clients understand each step of the mortgage process. They assist with home purchases, refinances, and VA loans, offering clear explanations and responsive support. Customers appreciate the team’s patience, expertise, and ability to secure competitive rates while guiding them through complex decisions.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(303) 284-2592
Open 8:30 AM - 5:00 PM
3773 Cherry Creek N Dr Ste 690, Denver, CO 80209
General Services
Mortgage Brokerage
3

Ghassan Kanafani at CrossCountry Mortgage

Known for guiding clients through complex mortgage situations with clarity and care, Ghassan Kanafani at CrossCountry Mortgage offers a range of home financing options including purchase loans and refinancing. The team is praised for being responsive and transparent, helping clients feel confident throughout the process even when challenges arise.

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(619) 300-2390
Open 8:30 AM - 8:00 PM
201 Columbine St Suite 300 Office 43, Denver, CO 80206
4

Denver Lending - A Division of Impact Home Lending

Known for clear, pressure-free guidance, Denver Lending helps Colorado borrowers explore a wide range of mortgage options, from purchases and refinances to renovation and specialty loans. Clients appreciate the team’s timely communication and local market knowledge, though some note the process can feel detailed given the thorough approach.

Services & Prices
Conventional Home Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Cash-Out Refinancing Quoted per loan
View Profile
(720) 605-9327
Open 7:00 AM - 7:00 PM
2000 Colorado Blvd Tower 1, STE 2000-625, Denver, CO 80222
General Services
Home Loans
5

Milestone Home Mortgage

Milestone Home Mortgage specializes in comparing loan options from multiple wholesale lenders to provide clear, transparent guidance tailored to Colorado homebuyers and homeowners. Their services include conventional, FHA, VA, jumbo, and specialized loans like self-employed and investment property mortgages. Clients appreciate the team’s responsiveness and straightforward communication throughout… more...

Milestone Home Mortgage specializes in comparing loan options from multiple wholesale lenders to provide clear, transparent guidance tailored to Colorado homebuyers and homeowners. Their services include conventional, FHA, VA, jumbo, and specialized loans like self-employed and investment property mortgages. Clients appreciate the team’s responsiveness and straightforward communication throughout the process.

Services & Prices
First Time Home Buyer Assistance Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(303) 800-4595
Open 9:00 AM - 5:00 PM
2590 Welton St Ste 200, Denver, CO 80205
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Uptown Mortgage

With over 20 years of experience, Uptown Mortgage offers personalized mortgage broker services that give clients access to a broad range of home loan options. Their team handles everything from first-time homebuyer loans to complex refinances, often praised for clear communication and attentive support throughout the process. Some clients note the paperwork can be detailed, but the guidance helps… more...

With over 20 years of experience, Uptown Mortgage offers personalized mortgage broker services that give clients access to a broad range of home loan options. Their team handles everything from first-time homebuyer loans to complex refinances, often praised for clear communication and attentive support throughout the process. Some clients note the paperwork can be detailed, but the guidance helps keep things on track.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
Debt Consolidation Quoted per loan
View Profile
(303) 839-5262
Open 9:00 AM - 7:00 PM
1350 Lawrence St #100, Denver, CO 80204
General Services
Mortgage Services
7

Forward Mortgage Group: Ryan Hillard, Mortgage Broker NMLS #1226157

Forward Mortgage Group, led by a licensed mortgage broker (NMLS #1226157), focuses on providing clear, customized mortgage plans tailored to individual needs. The team offers a range of loan options including FHA, VA, jumbo, and conventional loans, with flexible remote or in-person service. Clients appreciate their knowledgeable guidance and consistent communication throughout the process.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(720) 201-7261
Open 8:00 AM - 8:00 PM
6825 E Tennessee Ave #415, Denver, CO 80224
General Services
Mortgage Services
8

The Socha Lending Group

Licensed in multiple states including Colorado, California, and Florida, The Socha Lending Group offers a variety of mortgage services such as home purchase loans, refinancing, and jumbo loans. Clients appreciate the team’s responsiveness and steady guidance through complex situations, though some note the process can feel detailed at times.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
Trust Loan Services Quoted per loan
View Profile
(720) 390-6400
Open 9:00 AM - 5:00 PM
1800 Glenarm Pl Ste 101, Denver, CO 80202
General Services
Lending Services
9

S&S Mortgage Team

Known for guiding first-time homebuyers through the mortgage process with patience and clear communication, S&S Mortgage Team offers personalized loan options and thorough financial analysis. The team handles everything from application to closing efficiently, with clients appreciating their responsiveness and support throughout each step.

Services & Prices
Loan Approval Assistance Quoted per loan
View Profile
(303) 507-6794
Open 00:00 - 23:59
1899 Wynkoop St Ste 225, Denver, CO 80202
General Services
Mortgage Services
10

Independent Mortgage Brokers

Independent Mortgage Brokers offers access to a wide range of lenders, helping clients find competitive mortgage options whether they’re first-time buyers or seasoned investors. The team is known for clear communication and support throughout the process, though some clients note the experience can feel more streamlined depending on the broker assigned.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Investment Property Loans Quoted per loan
Training and Mentorship $1000 - $2000
View Profile
(303) 717-4330
Open 9:00 AM - 5:00 PM
6825 E Tennessee Ave #415, Denver, CO 80224
General Services
Mortgage Services

Denver Mortgage Statistics

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

Lenders made 7,747 home-purchase loans in Denver County in 2025 (average about $588,000) and denied 600 — 7% of decided applications, compared with 10% across Colorado, according to federal mortgage data (HMDA, CFPB). In Denver, the median home is worth $616,000 and 73% of owners have a mortgage, paying a median $2,466 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
7,747▼ 7%8,369 in 2024
Denial rate
7%CO 10%
Median home value
$616,000CO $539,400
Monthly cost with a mortgage
$2,466median · CO $2,326
Refinance loans made (Denver County, 2025)
4,375 · 3,083 in 2024
Home-improvement loans made (2025)
1,119
Average home-purchase loan
$588,000 (CO $511,000)
Owners with a mortgage
73% · 28% of them spend 30%+ of income on housing
Median household income
$94,718 (CO $95,470)

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

Denver Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Dave Cook | Denver Mortgage Lounge | A Division of Luminate Bank 5.0 289 — (303) 226-8735 Visit
2 Columbine Mortgage LLC 5.0 230 Quoted per loan (303) 284-2592 Visit
3 Ghassan Kanafani at CrossCountry Mortgage 5.0 214 — (619) 300-2390 Visit
4 Denver Lending - A Division of Impact Home Lending 5.0 175 $250 (720) 605-9327 Visit
5 Milestone Home Mortgage 5.0 154 Quoted per loan (303) 800-4595 Visit
6 Uptown Mortgage 4.9 141 Quoted per loan (303) 839-5262 Visit
7 Forward Mortgage Group: Ryan Hillard, Mortgage Broker NMLS #1226157 5.0 105 Quoted per loan (720) 201-7261 Visit
8 The Socha Lending Group 5.0 90 Quoted per loan (720) 390-6400 Visit
9 S&S Mortgage Team 5.0 75 Quoted per loan (303) 507-6794 Visit
10 Independent Mortgage Brokers 5.0 20 $300 (303) 717-4330 Visit

How this Denver 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

10 questions
How does a mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate. It includes PMI and property tax costs.
What is the debt-to-income ratio for mortgages in Colorado?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income, following FHA standards.
How much is the minimum down payment for a Denver home?
First-time buyers can put down as little as 3% on conventional loans or 3.5% on FHA loans. VA and USDA loans may allow 0% down.
How does PMI affect my mortgage in Denver?
With less than 20% down, conventional loans add PMI, about 0.6% of the loan annually. It can be removed when the loan balance is under 80% of the home's value.
How do interest rates impact what I can afford in Denver?
Higher rates reduce the loan amount you qualify for. The calculator uses a starting rate of 7.40%, but rates change weekly.
How do debts affect my mortgage qualification in Colorado?
Debts reduce the amount you can borrow, as lenders consider total debt payments, including the mortgage, should not exceed 43% of your gross monthly income.
What are property taxes like in Colorado?
Property tax is about 0.52% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a more accurate borrowing limit. Pre-qualification is an initial estimate.
How can a mortgage broker help me in Denver?
A mortgage broker connects you with lenders and helps find loan options that fit your financial situation, streamlining the mortgage process.
How much house can I afford on a $100k salary in Denver?
The calculator considers your income, debts, and down payment to estimate affordability. Typically, housing costs should not exceed 31% of your gross monthly income.

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