Tessa WilliamsBuying a home in the Mile High City can feel like a rollercoaster ride.
One minute you are dreaming of a rooftop patio in Lower Highland, and the next you are drowning in interest rate spreadsheets and confusing financial jargon.
I’ve been in those shoes, so I know the stakes are high.
For the first-time buyer, success relies on transparency and clear guidance. For the seasoned investor, it demands high-level strategy and leverage.
But regardless of your experience level, you need a partner who knows this local market inside and out. Let’s ensure your financial foundation is as strong as the home you are buying.
To save you time, I have dug into the top options to help you find the best mortgage brokers in Denver.
How much do mortgage broker services cost in Denver?
Navigating broker fees in Denver does not have to be a headache, as they generally align with national averages.
Typically, the cost falls between 0.35% and 1.5% of your total loan amount, but you often will not see a bill for this directly.
In the most common scenario, the lender pays the broker’s commission after your deal closes, meaning it is baked into the financial product rather than your wallet.
However, if you have a complex situation, some brokers might charge a direct borrower fee ranging from 1% to 2% or a flat rate.
It is always smart to ask early on if you are paying out of pocket or if the lender is footing the bill.
1. Mortgage Maestro Group
Website: https://mortgage-maestro.com/
Address: 387 N Corona St #646, Denver
Contact: 303 779 0591 / [email protected]
Office Hours: Mon – Fri, 8 AM – 6 PM; Sat, 8 AM – 2 PM
Mortgage Maestro Group stands out immediately because of their veteran-owned status, which translates into a highly disciplined yet personal service style.
If you are tired of feeling like a transaction number at a big bank, Ray and his team offer a refreshing change of pace.
They guide you through the entire mortgage process with an educational approach that demystifies the process, helping you feel in control rather than overwhelmed.
I actually spoke to a friend who used them for a complicated Department of Veterans Affairs loan, and they mentioned how relieved they were to have someone fighting for their best interests every step of the way.
Their portfolio includes conventional loans for standard purchases and jumbo packages tailored for Denver’s high-value properties.
However, keep in mind that their loan options and rates can vary based on state licensing. This might limit certain specific products if you are looking to buy property outside their primary service areas.
Ray and his team did an outstanding job with our recent refi. The process was timely, the information we were given was accurate, the staff was responsive and professional, and there were no unpleasant surprises. I have already recommended Summit Mortgage to a neighbor who is refinancing.
– Lawrence Robinson, Google Review
3rd time we’ve used the Mortgage Maestro Group and again their integrity, reputation and professionalism speaks volumes in their work. They always have their best interest at heart to genuinely help you through the process. I trust the Maestro Group and I know others needing an experienced and knowledgeable team can trust them too! We will be back again and again for all our future mortgage needs.
– Lo Ha, Google Review
2. Uptown Mortgage
Website: https://uptownmortgage.com/
Address: 1350 Lawrence Street, Suite 100, Denver
Contact: 303 839-5262
Office Hours: Mon – Fri, 9 AM – 7 PM; Sat, 12 PM – 4 PM
Uptown Mortgage leverages a massive network of lenders to give you a serious edge in finding competitive rates.
Their primary strength lies in their ability to shop your profile around to many different sources, which is a game-changer if your financial situation is not standard.
They assign a dedicated loan originator to you, so you are not bounced around between different support staff who do not know your story.
With over 20 years in the industry, their processes are incredibly refined and reliable.
Their online application system is also a huge plus for those of us who hate printing and scanning stacks of paper. It streamlines the document submission significantly.
The only downside to be aware of is that their availability can fluctuate based on their workload. If they are swamped, response times might lag slightly, which could be frustrating if you prefer instant replies.
Jason and the Uptown team have been great at helping me finance or refinance multiple properties over the years. I’d highly suggest you give them a call and see what kind of magic they can do for you!
– Jonathan T., Google Review
Jason helped me secure a mortgage for my first home purchase. He was always very prompt and kept me updated during the entire process and was incredibly insightful getting everything squared away.
– Jared Coisman, Google Review
3. American Liberty Mortgage
Website: https://www.almortgagedenver.com/
Address: 1932 W 33rd Ave, Denver
Contact: 303 416 7000 / [email protected]
Office Hours: Mon – Fri, 8 AM – 5 PM
American Liberty Mortgage distinguishes itself by offering a truly comprehensive suite of products, including reverse mortgages and debt consolidation loans.
As a locally owned operation, they bring a level of personalised care that national chains often lack. They focus heavily on keeping closing costs low, which is a huge relief when you are already stretching your budget for a down payment.
Their system allows for easy document uploads, making the boring administrative work much faster.
First-time buyers also get the guidance they need to start, while retirees find options that secure their long-term plans.
However, because they offer so many different loan types, the sheer volume of options can feel overwhelming.
Without a loan officer to explicitly guide you through them, you might struggle to figure out exactly which package fits your specific needs.
I have used American Liberty Mortgage for several years now. I refer all my clients, family, and friends to them and I know they will get treated with honesty and respect and get their home buying process done in a timely matter. As a real estate broker I need a great lender I can trust and Merritt Noel has always exceeded my expectations!
– Ryan Litzinger, Google Review
Kevin, April and the Green Team are superb. This is the 2nd mortgage we have worked on together and it has been fantastic each time. The Green Team are second to none. I would recommend my family, friends and anyone in the market to connect with Kevin. You can trust, relax and feel confident that they have your best interest at heart.
– E Vail, Google Review
4. Denver Mortgage Lounge
Website: https://www.denvermortgagelounge.com/
Address: 201 Columbine St., Suite 300, Office #7, Denver
Contact: 303 226 8735 / [email protected]
Office Hours: Mon – Fri, 8 AM – 5:30 PM
Denver Mortgage Lounge specialises in taking the stress out of the process for first-time homebuyers who might be struggling with down payments or credit requirements.
One thing to note about them is their flexibility and willingness to work with unique borrower situations that other banks might reject.
I stopped by their office near Cherry Creek recently to chat about rates, and the atmosphere was genuinely more “lounge” and less “stuffy bank,” which immediately puts you at ease.
They have over 25 years of experience, so they know exactly how to structure a deal to get it across the finish line.
They are also very transparent, breaking down the numbers so you do not feel like you are being taken advantage of.
While they are great for standard loans, note that some of their specialised products, like Non-Qualified Mortgage or jumbo loans, come with stricter eligibility rules.
This could limit your options if you fall into those specific high-value categories.
So happy I went with Dave and his team—Jonathan, Alyssa, Sandy and Molly. I’m a first time buyer and they took care of everything. Without the thoroughness of their team I may have felt taken advantage of just because there are so many papers to sign and I didn’t understand the lingo. They do a great job breaking down the numbers and keeping you informed. Highly recommend.
– steven bourland, Google Review
Dave Cook gave us a great experience throughout the process. He was available whenever we needed him, day or night. Dave found a few different options that would work for us for both our refinance on our old home, and then for the purchase of a new home.
– Eric Sload, Google Review
5. M2 Lending Solutions
Website: https://m2lending.com/
Address: 2000 S Colorado Blvd, Tower 3, Suite 950, Denver
Contact: 720 529 1880
Office Hours: Mon – Fri, 8 AM – 6 PM
M2 Lending Solutions is an independent broker, which means they are not tied to a single bank’s products and can hunt for the best pricing across multiple lenders.
This independence is remarkable, allowing them to offer renovation loans, Home Equity Lines of Credit, and non-owner-occupied loans that others might miss.
Their philosophy is strictly customer-first, prioritising your long-term financial health over a quick sale.
Plus, their team has decades of combined experience, so they are well-equipped to guide you through the maze of home loans.
They also offer support for down-payment assistance programs, which are critical for getting a foot on the property ladder in Denver.
However, because they are independent, access to certain loan products depends entirely on their partner lenders.
This means availability for very specific niche loans could vary depending on the current market and partner relationships.
I have been doing business with M2 Lending Solutions for several years. They always find the best rates, are easy to work with, and I feel completely confident that things are always moving forward to meet my refinancing goals. Thanks Chris and team!
– Beth Justice, Google Review
This is the second time we’ve refinanced with Chris Murphy and team and they are amazing! Jason Evans was top notch and Jessica and team worked super hard to make sure it happened. You will not be disappointed. Thanks Team Murphy!
– Valerie Hopkins, Google Review
