Denver Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Denver, Colorado (License #152318). The Denver metro uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Nearby mountain resort counties carry higher high-cost limits, but the metro itself is on the baseline.
Denver anchors the Front Range with steady population growth and a competitive purchase market. Fast, accurate pre-approval matters here, where well-priced homes can move quickly.
Today's Denver Mortgage Rates
Live best-execution Colorado rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
FHA 30-Yr Fixed
5.490%
APR 5.602%
VA 30-Yr Fixed
5.625%
APR 5.741%
Jumbo 30-Yr Fixed
6.125%
APR 6.203%
Rates subject to change. See Rate Assumptions.
Denver Home Loan Facts
Median Home Price
~$615,000
Curated Denver estimate.
2026 Conforming Limit
$832,750
Denver County baseline reference.
County
Denver County
Loan limits are set at the county level.
Loan Limits & Market
The Denver metro uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Nearby mountain resort counties carry higher high-cost limits, but the metro itself is on the baseline.
From LoDo and Wash Park to Aurora, Lakewood, and the suburbs, Denver draws relocating professionals and move-up buyers. Conventional loans dominate, with FHA popular among first-time buyers.
Denver Highlights
- Baseline conforming limit of $832,750 (2026)
- Competitive Front Range purchase market
- CHFA down payment assistance widely used
- Conventional, FHA, and VA options supported
Property Taxes in Colorado
Colorado has one of the lower effective property tax rates in the country, though local mill levies vary by county and district.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Colorado
CHFA FirstStep
FHA first mortgage for first-time buyers and qualified veterans.
CHFA Down Payment Assistance
Grant or second-mortgage assistance toward down payment and closing costs.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Denver, Colorado
Your Denver loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Colorado mortgage license (#152318). See our full licensing & disclosures for details.
Meet Ivan HendrenDenver Mortgage FAQ
What is the conforming loan limit in Denver for 2026?
The Denver metro uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
How competitive is the Denver housing market?
Denver remains a competitive Front Range market with strong move-up and first-time buyer demand, so a fast, fully documented pre-approval helps buyers act quickly on well-priced homes.
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