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.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Dave Cook | Denver Mortgage Lounge | A Division of Luminate Bank
5.0 · 289 reviews · Free pre-approval
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Columbine Mortgage LLC
5.0 · 230 reviews · Free pre-approval
Get pre-approved →
Ghassan Kanafani at CrossCountry Mortgage
5.0 · 214 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.
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.
General information, not financial advice — consult a qualified professional.