Best Mortgage Rates in Denver, CO
AI-powered mortgage matching for Denver homebuyers. Get pre-approved in minutes with access to 50+ lenders and the best rates available in Colorado.
$555,000
Median Home Price
6.50%
Avg. Mortgage Rate
$816,500
FHA Loan Limit
0.51%
Property Tax Rate
Denver Housing Market Overview
Denver combines mountain-town lifestyle with big-city amenities, making it one of the most desirable housing markets in the country. The Mile High City attracts outdoor enthusiasts, tech workers, and entrepreneurs who value quality of life alongside career opportunities.
Denver home prices are above the national average but have shown more moderate growth recently. The higher FHA limit of $816,500 helps buyers access FHA financing for higher-priced homes. Colorado has some of the lowest property tax rates in the nation, which offsets higher purchase prices.
Popular Neighborhoods
Estimated Monthly Payments in Denver
Based on median home price of $555,000
$2,806/mo
Best for 700+ credit, lowest long-term cost
No PMI
$3,298/mo
Best for first-time buyers, lower credit OK
MIP included
$3,328/mo
For veterans & military — zero down, no PMI
No PMI
Why Denver Homebuyers Choose Slate Financial
Pre-Approved in Minutes
Our AI analyzes your profile and matches you with the best loan programs instantly — no waiting days for a callback.
50+ Lender Network
We compare rates from over 50 lenders to ensure you get the absolute best deal available in the market.
AI-Powered Underwriting
Our AI looks beyond your credit score — analyzing 2,500+ data points for fairer, faster lending decisions.
Local Market Expertise
We understand the Denver market — neighborhoods, pricing, programs, and what it takes to win in this market.
Mortgage Programs Available in Denver
FHA Loans
Low down payment (3.5%) and flexible credit requirements. Perfect for first-time Denver homebuyers.
VA Loans
Zero down payment, no PMI, and the lowest rates available. For veterans and active-duty military.
Conventional Loans
Competitive rates for borrowers with good credit. PMI drops off at 20% equity.
Jumbo Loans
For Denver properties above the conforming loan limit. Competitive rates for high-value homes.
Refinancing
Already own in Denver? Lower your rate or tap into your equity with a cash-out refinance.
DSCR / Investment Loans
Qualify based on rental income, not personal income. Perfect for real estate investors.
Ready to Buy a Home in Denver?
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