President of Milestone
Banks offer their own products. Milestone offers the market. Your loan officer shops your scenario across 65+ investors to find the rate and program that fits your situation. You get options, not a take-it-or-leave-it quote.
Milestone serves homebuyers all across Colorado, from Denver and Colorado Springs to Fort Collins, Boulder, and the mountain communities. Your loan officer works with you remotely and has full access to the same 65+ investor network available at any Milestone branch. Buying a starter home in Aurora or a property in Pueblo? Same process, same network of investors working for you.
Clear-to-close in as few as 15 days. Every cost is upfront from day one. No surprise fees, no fine print.
Your loan officer matches you to the right loan based on your goals, not a script. Whether you're a first-time buyer in Colorado Springs or refinancing in Lakewood, your loan officer walks you through every step from application to closing.
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!
Lower your rate, reduce your payment, or tap into your home's equity with our refinance options.
Financing for luxury properties and high-value homes that exceed conventional loan limits.
Conventional Loans: The 2026 conforming loan limit in most Colorado counties is $832,750. High-cost areas have higher limits: Denver metro counties sit at $862,500, Boulder County at $879,750, and mountain resort counties like Eagle and Pitkin reach $1,209,750. Borrowers who need financing above their county’s limit may qualify for a jumbo loan.
FHA Loans: FHA loan limits in Colorado vary by county, ranging from $541,287 in standard-cost areas to $1,249,125 in Eagle, Garfield, and Pitkin counties. Denver, Boulder, and Summit counties fall between those numbers.
VA Loans: Colorado is home to six major military installations, including Fort Carson, Peterson Space Force Base, the U.S. Air Force Academy, and Buckley Space Force Base near Aurora. VA loans are one of the most popular financing options for Colorado homebuyers with military service.
USDA Loans: About 97% of Colorado land qualifies as USDA-eligible, including many communities outside the Denver, Colorado Springs, and Boulder metro areas. The Western Slope, Southern Colorado, and the San Luis Valley all qualify.
Jumbo Loans: What counts as a jumbo loan in Colorado depends on the county. In most counties, any loan above $832,750 is jumbo. In mountain resort areas like Eagle County (Vail), the threshold rises to $1,209,750. Your Milestone loan officer can tell you exactly where the line falls for the property you’re looking at.
Milestone serves homebuyers in Denver, Colorado Springs, Aurora, Fort Collins, Boulder, Lakewood, Thornton, Pueblo, and communities across the state. Conventional loans, FHA, VA, USDA, jumbo, refinancing: your loan officer matches you to the right program. With six military installations and roughly 97% USDA-eligible land, specialized loan programs matter here as much as anywhere in the country.
Colorado’s Division of Real Estate oversees mortgage companies operating in the state, and the Colorado Housing and Finance Authority (CHFA) runs several down payment assistance programs that Milestone stays current on. CHFA’s FirstStep program pairs a 30-year fixed-rate mortgage with a grant of up to $25,000, and the NeighborhoodLIFT program offers $15,000 in assistance for buyers in the Denver metro area.
Milestone serves homebuyers in 30+ states.
Can’t make it during business hours? Leave a message anytime and we’ll get back to you the next business day.
Milestone has 70+ loan officers ready to help you find the right mortgage. Whether you’re buying in Denver, Colorado Springs, or Fort Collins, we’ll match you with a loan officer who fits your situation.
Fill out a short form on our website. We'll ask the basics: purchase or refinance, loan amount, and your timeline. Takes about 5 minutes.
Your loan officer reviews your scenario and shops it across 65+ investors. You'll receive personalized loan options and suggestions, not a generic rate sheet.
Once you've chosen the right option, your loan officer locks the rate and walks you through your documents. Upload everything through Milestone's secure portal.
Milestone coordinates with your real estate agent, title company, and appraiser. Clear-to-close in as few as 16 days.
Colorado charges a statewide documentary fee of $0.01 per $100 of the sale price, which works out to roughly $50 on a $500,000 home. Some cities and counties add their own transfer taxes on top of that. Boulder, for example, charges an additional local transfer tax. Your title company will calculate the exact amount and include it in your closing costs.
No. Colorado does not require an attorney at closing. A title company or closing agent handles the settlement process, prepares the documents, and manages the transfer of funds. Some buyers hire an attorney for complex transactions, but it is not a legal requirement.
Colorado’s homestead exemption protects up to $250,000 of your home’s equity from creditor claims (not from property taxes). Homeowners age 60 and older or those with disabilities receive a higher exemption of $350,000. This is a bankruptcy and creditor protection, not a property tax reduction. Colorado does not have a general homestead property tax exemption like some other states, though a separate exemption exists for qualifying seniors and disabled veterans.
You do not have to be a first-time buyer for most of it. FirstStep carries that restriction, along with qualified veterans and buyers in federally targeted areas, but other programs do not. For most programs from CHFA (the Colorado Housing and Finance Authority) you will need a 620 credit score, income and purchase price under its limits for your county, and an approved homebuyer education course. Assistance comes as either a grant of up to $25,000 or 3% of your first mortgage, whichever is smaller, which you never pay back. The other option is a deferred second mortgage of up to $25,000 or 4% that you repay when you sell or refinance. Income limits reset every January, so ask your loan officer where you stand this year before you rule yourself out.
Your Milestone loan officer will compare options from 65+ investors to find the right fit for your situation in Colorado. Fill out a quick form and a loan officer will reach out to walk you through your options. Not in Colorado? Milestone serves homebuyers in 30+ states.
