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Review Keywords Analysis

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

Mortgage Affordability Calculator Lakewood, CO

How much house can you afford in Lakewood? 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 Lakewood

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

1

Supreme Lending Denver

With over two decades of experience, Supreme Lending specializes in fast, efficient mortgage closings, including a “Supreme Speed” option that can complete loans in as little as 10 days. The team assists with purchases and refinancing, keeping clients informed throughout the process to help simplify mortgage requirements. Customers appreciate their clear communication and reliable service.

View Profile
(303) 242-5222
Closed Now
1726 Cole Blvd Ste 210, Lakewood, CO 80401
2

The Colorado Mortgage Team

With over a decade of experience, The Colorado Mortgage Team focuses on empowering clients with clear financial guidance throughout the home-buying or refinancing process. They offer a range of loan options, including conventional, FHA, VA, and specialized programs, and are known for responsive communication and thorough support. Some clients note the process can be detailed, but the team’s… more...

With over a decade of experience, The Colorado Mortgage Team focuses on empowering clients with clear financial guidance throughout the home-buying or refinancing process. They offer a range of loan options, including conventional, FHA, VA, and specialized programs, and are known for responsive communication and thorough support. Some clients note the process can be detailed, but the team’s consistent updates help ease the experience.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
First-Time Homebuyer Programs Quoted per loan
View Profile
(720) 580-1346
Closed Now
7400 W Jefferson Ave #101, Lakewood, CO 80235
General Services
Mortgage Services
3

Peak Lending Team: Shannon Dahman and The Dahman Mortgage Team- Mortgage Brokers

Known for providing fast approvals and personalized one-on-one support, Peak Lending Team: Shannon Dahman and The Dahman Mortgage Team helps clients navigate home purchases, refinancing, and cash-out options across Colorado. The team focuses on clear communication and attention to detail, guiding borrowers through a streamlined mortgage process with accessible and responsive service.

Services & Prices
Home Loan Approval Quoted per loan
View Profile
(303) 688-8628
Closed Now
225 Union Blvd #150, Lakewood, CO 80228
General Services
Mortgage Services
4

The Dahman Team, Tenby J. Dahman, Peak 10 Mortgage LLC. Colorado Mortgage Planner

Specializing in personalized mortgage planning, The Dahman Team at Peak 10 Mortgage LLC helps clients navigate home purchases, refinancing, and home equity options with clear guidance and tailored advice. Customers appreciate their thorough communication and supportive approach, though some note the process can take time due to careful attention to detail.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(303) 862-7760
Closed Now
225 Union Blvd #150, Lakewood, CO 80228
General Services
Mortgage Services
5

Christiana Hill Hamlin | Hazel Mortgage

Hazel Mortgage specializes in fast, personalized mortgage solutions, closing loans in an average of just nine days. The team offers a wide range of loan options for primary homes, investment properties, and unique scenarios, backed by deep industry knowledge and strong lender relationships. Clients appreciate the attentive service and quick responses throughout the process.

Services & Prices
First-Time Home Buyer Mortgage Quoted per loan
Refinancing Quoted per loan
Conventional Loan Quoted per loan
View Profile
(303) 868-3432
Closed Now
12211 W Alameda Pkwy #200, Lakewood, CO 80228
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Platte River Mortgage & Investments, Inc.

Platte River Mortgage & Investments, Inc. is known for its responsive team that guides clients through various home financing situations with patience and clear communication. They offer mortgage brokerage services, helping customers secure competitive rates while easing the stress of the home buying process. Clients appreciate their supportive approach and thorough explanations.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
View Profile
(303) 433-9902
Closed Now
300 Union Blvd #420, Lakewood, CO 80228
General Services
Mortgage Services
7

Joshua Mitchell | Mortgage Loan Officer | Elevations Credit Union | Mitchell Mortgage Team | NMLS #743349

Licensed under NMLS #743349, this team specializes in mortgage loans through Elevations Credit Union, offering both new home financing and refinancing options. Customers appreciate their clear communication, responsiveness, and willingness to explain the process thoroughly, making complex decisions easier to navigate. Some note the detailed explanations can take extra time but value the patient… more...

Licensed under NMLS #743349, this team specializes in mortgage loans through Elevations Credit Union, offering both new home financing and refinancing options. Customers appreciate their clear communication, responsiveness, and willingness to explain the process thoroughly, making complex decisions easier to navigate. Some note the detailed explanations can take extra time but value the patient approach.

Services & Prices
Refinancing Services Quoted per loan
View Profile
(713) 818-9192
Closed Now
143 Union Blvd #220, Lakewood, CO 80228
General Services
Mortgage Services
8

Lakewood CO Mortgage Broker by Rob's Mortgage Loans

Known for thorough communication and patience, Lakewood CO Mortgage Broker by Rob's Mortgage Loans specializes in guiding clients through complex mortgage processes, including reverse and first-time buyer loans. The team is praised for responsiveness and clear explanations, helping make lengthy or challenging transactions more manageable.

Services & Prices
Loan Pre-Approval Assistance Quoted per loan
Mortgage Loan Refinancing Quoted per loan
View Profile
(303) 587-3600
Open 6:30 AM - 10:00 PM
200 Union Blvd #200, Lakewood, CO 80228
General Services
Loan Services
9

Innovative Mortgage Group

Known for offering no closing cost mortgages in Colorado, Innovative Mortgage Group provides home purchase loans, refinances, and construction financing with a focus on clear communication and a streamlined process. Customers appreciate the team’s responsiveness and personalized support, though some note the fast pace may feel intense at times.

Services & Prices
Purchase Mortgage Quoted per loan
Refinancing Quoted per loan
Financial Assessment Quoted per loan
Long-Term Financial Strategy Quoted per loan
View Profile
(720) 400-3438
Closed Now
274 Union Blvd #410, Lakewood, CO 80228
General Services
Mortgage Services
10

The Best Loan Officer

With over 20 years of experience since 1996, The Best Loan Officer specializes in helping clients with complex credit situations access a wide range of mortgage products. The team offers personalized guidance through every step, from consultation to closing, and is known for clear communication and quick responses. Some clients note availability at all hours, reflecting their commitment to… more...

With over 20 years of experience since 1996, The Best Loan Officer specializes in helping clients with complex credit situations access a wide range of mortgage products. The team offers personalized guidance through every step, from consultation to closing, and is known for clear communication and quick responses. Some clients note availability at all hours, reflecting their commitment to support throughout the process.

View Profile
(833) 426-8256
Open 00:00 - 23:59
225 Union Blvd #150, Lakewood, CO 80228

Lakewood Mortgage Statistics

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

Lenders made 7,438 home-purchase loans in Jefferson County in 2025 (average about $589,000) and denied 499 — 6% of decided applications, compared with 10% across Colorado, according to federal mortgage data (HMDA, CFPB). In Lakewood, the median home is worth $574,400 and 69% of owners have a mortgage, paying a median $2,330 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
7,438▲ 4%7,122 in 2024
Denial rate
6%CO 10%
Median home value
$574,400CO $539,400
Monthly cost with a mortgage
$2,330median · CO $2,326
Refinance loans made (Jefferson County, 2025)
5,186 · 3,403 in 2024
Home-improvement loans made (2025)
1,493
Average home-purchase loan
$589,000 (CO $511,000)
Owners with a mortgage
69% · 30% of them spend 30%+ of income on housing
Median household income
$89,792 (CO $95,470)

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

How this Lakewood 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 work?
The calculator estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and other factors.
What is the debt-to-income ratio for mortgages?
Lenders often cap housing costs at 31% of gross monthly income and total debt payments at 43%.
What's the minimum down payment for a mortgage in Colorado?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans.
How does PMI affect my mortgage in Lakewood?
With less than 20% down, PMI is added, about 0.6% of the loan annually. It can be removed once the balance is below 80% of the home's value.
How do interest rates impact mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly.
How do debts affect how much I can borrow?
Existing monthly debts reduce the amount you can borrow, as lenders consider total debt payments in their calculations.
What is the property tax rate in Colorado?
Property tax is about 0.52% of the home's value annually in Colorado.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, providing a more accurate estimate than pre-qualification.
What does a mortgage broker do?
A mortgage broker helps find suitable loan options by comparing different lenders' offers.

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