Conventional Home Loans in Denver, CO
Robert Castle
The Mortgage Problem Solver
Powered By Excel Financial Group
Conventional mortgages remain one of the most popular ways to buy a home in Denver. With competitive rates, flexible terms, and no government insurance premiums, they’re ideal for borrowers with good credit who want to avoid extra fees. As a local mortgage broker, I help Denver homebuyers secure the best conventional loan for their situation.
Why Choose a Conventional Loan in Denver?
-Competitive interest rates
-Flexible down payment options (as low as 3%)
-No upfront mortgage insurance premiums
-More property types allowed
Conventional Loan Requirements
-Minimum credit score: usually 620 or higher
-Stable employment and verifiable income
-Debt-to-income ratio within lender guidelines
Loan Limits & Denver Housing Costs
For 2025, the conforming loan limit in Denver is $766,550 for a single-family home.* With median home prices around $600,000, many Denver buyers qualify.
Tips for Getting the Best Rate in Denver
-Improve your credit score before applying
-Save for a larger down payment
-Compare multiple lenders or use a broker to shop rates
Interested In A Mortgage Calculation, Quote, Or More Info?
Information Sources:
Zillow: Denver CO Home Values
Bankrate: Colorado Mortgage Rates
FHFA Conforming Loan Limits