Mortgage loans in Colorado
Justin Mackler is licensed to originate home loans in Colorado. Here is how a Colorado loan works with him, which programs are available, and a few state rules worth knowing.
How a Colorado loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Colorado title or closing professional handle the appraisal and title work.
- Colorado closings are usually handled by a title company, and the deed of trust names the county Public Trustee.
Loan programs available in Colorado
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
CHFA offers down payment assistance as either a grant or a deferred second mortgage paired with a CHFA first mortgage, subject to income limits, homebuyer education and other eligibility rules. Colorado Housing and Finance Authority (CHFA)
Colorado details to know
- Colorado charges a state documentary fee of $0.01 per $100 on documents conveying real property when the sale price is greater than $500, collected by the county clerk and recorder. Source: Weld County Clerk and Recorder (citing C.R.S. 39-13-102)
- Colorado home loans are commonly secured by a deed of trust naming the county Public Trustee, a public official who acts as a neutral party between borrower and lender, including for releases and foreclosures. Source: Gilpin County Public Trustee
- Several Colorado counties exceed the 2026 baseline. Denver-area counties such as Denver, Adams, Arapahoe, Douglas and Jefferson are at $862,500, Boulder is $879,750, and Eagle is $1,249,125. Source: FHFA 2026 county loan limit list
- CHFA borrowers may use either the down payment assistance grant or the second mortgage, but not both on the same CHFA first mortgage. Source: CHFA: Homeownership
Last reviewed 2026-10-29.
Tell Justin about your Colorado purchase or refinance and he will follow up with real options.
Colorado mortgage questions
Can Justin Mackler help with a mortgage in Colorado?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Colorado through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Colorado?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Colorado with a local closing professional, as state rules require.
What is the conforming loan limit in the Denver area for 2026?
FHFA set the 2026 one-unit limit at $862,500 for Denver, Adams, Arapahoe, Douglas, Jefferson and other Denver-metro counties. Boulder County is $879,750, and some mountain counties are higher.
Can I combine CHFA's grant and second mortgage?
No. CHFA lets borrowers choose either the down payment assistance grant or the second mortgage with a CHFA first mortgage, not both. Eligibility depends on income, credit and completing homebuyer education.
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Share your goal, price or loan amount, credit range, timeline, and your Colorado property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.