How much house can you afford in Thornton? 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 |
|---|
Land Above Ground Realty & Mortgage
5.0 · 96 reviews · Free pre-approval
Get pre-approved →
Lockstep Mortgage LLC
5.0 · 72 reviews · Free pre-approval
Get pre-approved →
Montis Lending Group
5.0 · 33 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 responsive, knowledgeable support throughout the home-buying process, Land Above Ground Realty & Mortgage helps clients navigate mortgage options with care and clarity. The team offers mortgage brokerage services and works quickly to find solutions when challenges arise. Customers appreciate their professionalism and clear communication, though the process can still feel complex at… more...
Known for responsive, knowledgeable support throughout the home-buying process, Land Above Ground Realty & Mortgage helps clients navigate mortgage options with care and clarity. The team offers mortgage brokerage services and works quickly to find solutions when challenges arise. Customers appreciate their professionalism and clear communication, though the process can still feel complex at times.
Lockstep Mortgage LLC offers a fast, digitally streamlined mortgage process, often completing loans in under 30 days. Their experienced brokers assist with purchase loans, refinancing, and provide helpful tools like Pre-Approval Letters and Refinance Analyses. Customers appreciate the team’s clear communication and patient, personalized guidance throughout complex situations.
Montis Lending Group is known for its responsive and clear communication, especially when working under tight deadlines. The team specializes in mortgage brokerage services, including VA home loans and refinancing options, guiding clients patiently through complex processes. Customers appreciate their thoroughness and trustworthiness, though the experience can involve navigating occasional… more...
Montis Lending Group is known for its responsive and clear communication, especially when working under tight deadlines. The team specializes in mortgage brokerage services, including VA home loans and refinancing options, guiding clients patiently through complex processes. Customers appreciate their thoroughness and trustworthiness, though the experience can involve navigating occasional unexpected challenges.
Licensed as a mortgage broker (NMLS #1051939), this team specializes in guiding first-time homebuyers through financing options with clear, thorough explanations. They assist clients by answering questions promptly and managing paperwork to keep the process smooth, though some may find the detailed steps require patience.
BestRates Mortgage: Dan Phillips Home Loans stands out for its client-focused approach and clear communication throughout the mortgage process. The team offers a variety of loan options, including purchase and refinance programs, with competitive rates sourced from multiple lenders. Customers appreciate their responsiveness and thorough explanations, though the process can still feel involved at… more...
BestRates Mortgage: Dan Phillips Home Loans stands out for its client-focused approach and clear communication throughout the mortgage process. The team offers a variety of loan options, including purchase and refinance programs, with competitive rates sourced from multiple lenders. Customers appreciate their responsiveness and thorough explanations, though the process can still feel involved at times.
Licensed under NMLS 1156483, this mortgage broker specializes in guiding clients through home purchases and refinancing with clear communication and attentive support. The team is known for walking customers through each step, answering questions promptly, and helping meet key deadlines. Many appreciate the patient, honest approach that helps ease the process.
Specializing in reverse mortgages, Hahn Reverse Mortgage offers clear guidance to help clients feel confident in their financial decisions. The team provides knowledgeable and responsive service, focusing on explaining options thoroughly. Customers appreciate their warm, helpful approach, especially during what can be a stressful process.
Lenders made 7,961 home-purchase loans in Adams County in 2025 (average about $440,000) and denied 1,330 — 14% of decided applications, compared with 10% across Colorado, according to federal mortgage data (HMDA, CFPB). In Thornton, the median home is worth $517,500 and 76% of owners have a mortgage, paying a median $2,381 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Adams 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 | Land Above Ground Realty & Mortgage | 5.0 | 96 | — | (720) 775-2718 | Visit |
| 2 | Lockstep Mortgage LLC | 5.0 | 72 | — | (303) 301-7191 | Visit |
| 3 | Montis Lending Group | 5.0 | 33 | Quoted per loan | (720) 591-5231 | Visit |
| 4 | Jeremy Anderson, Mortgage Broker NMLS #1051939 | 5.0 | 27 | Quoted per loan | (319) 400-6227 | — |
| 5 | Bestrates Mortgage: Dan Phillips Home Loans | 5.0 | 20 | — | (303) 909-9690 | Visit |
| 6 | Angelina Lafave, Edge Home Finance, NMLS 1156483 | 5.0 | 12 | Quoted per loan | (303) 476-4298 | Visit |
| 7 | Hahn Reverse Mortgage | 5.0 | 5 | Quoted per loan | (720) 434-6887 | 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.