The Colorado Mortgage Broker Built for Every Borrower
From Denver to Colorado Springs, Boulder to Fort Collins, LendFriend Mortgage delivers competitive rates and low fees across Conventional, Jumbo, VA, FHA, and Non-QM loan programs. Whether purchasing in Cherry Creek, refinancing in Highlands Ranch, or buying a mountain property near Steamboat, we structure financing strategically — with clear guidance, strong pre-approvals, and reliable closings.
Why Homebuyers Trust LendFriend Mortgage For Their Colorado Home Loan
LendFriend Mortgage helps Colorado homebuyers and homeowners secure financing that aligns with both their numbers and their long-term plans. Whether purchasing in Denver, refinancing in Boulder, relocating to Colorado Springs, or buying in Fort Collins or a mountain community, we leverage a broad wholesale network to secure strong pricing, clean approvals, and dependable execution from contract through closing.
Here’s what sets us apart in Colorado:
- Broad conventional mortgage solutions with disciplined structuring. From first-time buyers to seasoned homeowners, conventional financing remains the backbone of Colorado purchases. We offer low down payment options and competitive rate structures while ensuring income, assets, and reserves are documented correctly upfront — reducing last-minute surprises and keeping transactions on track.
- Jumbo and ARM strategies for higher-value properties. In markets like Cherry Creek, Boulder, and resort areas near Vail or Breckenridge, purchase prices often exceed conforming thresholds. We design jumbo loan structures and adjustable-rate mortgage options — including longer fixed-period ARMs — tailored for borrowers focused on payment optimization, liquidity management, or defined ownership timelines.
- VA financing with full entitlement flexibility. Eligible veterans and active-duty service members can purchase with no down payment and no monthly mortgage insurance. We structure VA loans carefully to preserve entitlement, strengthen offer competitiveness, and navigate higher-price markets without unnecessary friction.
- Alternative documentation options for complex income profiles. Colorado’s economy includes business owners, consultants, commission-based earners, and asset-heavy borrowers. For clients whose income does not fit traditional underwriting models, we provide bank statement programs, asset-based qualification, and other non-QM pathways designed to reflect real financial strength.
- Execution built on volume and experience. With more than $1.5 billion in closed loans nationwide, our team understands how to anticipate underwriting questions before they surface. That preparation translates into stronger pre-approvals, efficient communication with listing agents, and consistent closings — even in competitive Front Range markets.
Colorado Home Buying and Refinancing Options
Buying or refinancing in Colorado requires more than comparing advertised rates. County loan limits differ across the Front Range and mountain regions, home values vary significantly between Denver, Boulder, and Colorado Springs, and income profiles — from salaried professionals to business owners and commission earners — often require thoughtful structuring. LendFriend Mortgage helps Colorado borrowers evaluate multiple loan options, analyze refinance opportunities, and move forward with financing built around verified numbers and long-term plans.
Our tools, rate insights, and educational resources are tailored specifically for Colorado homeowners — whether purchasing in Fort Collins, refinancing in Highlands Ranch, or exploring options in Cherry Creek or the mountain communities near Vail and Breckenridge.
Loan Programs Built for Colorado Buyers
With access to a nationwide network of wholesale mortgage lenders, we design Colorado home loan solutions around how borrowers actually earn, invest, and plan. Whether income comes from salary, commissions, business ownership, investment accounts, or digital assets, financing should reflect real financial strength — not a rigid underwriting template.
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Conventional & Jumbo Loans in Colorado
From first-time buyers in Denver to move-up homeowners in Boulder or Highlands Ranch, conventional financing remains a core option across Colorado. We structure fixed-rate and adjustable-rate mortgages competitively, including jumbo loans for higher-priced properties along the Front Range and in mountain communities. Every approval is aligned with purchase strategy, cash-to-close goals, and long-term ownership plans.
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Self Employed Mortgages in Colorado
Colorado has a strong base of entrepreneurs, consultants, and independent professionals. Our bank statement loan programs allow business owners and 1099 earners to qualify using documented cash flow rather than relying solely on tax return net income. The result is a qualification structure that better reflects how income is actually earned.
Crypto-Backed Mortgages in Colorado
For borrowers holding Bitcoin or Ethereum, financing may be structured without immediately liquidating digital assets. Crypto-backed mortgage strategies allow Colorado buyers to preserve long-term exposure while securing real estate — avoiding unnecessary capital gains events tied to forced sales.
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VA Loans in Colorado With 0% Down
Eligible veterans and active-duty service members can purchase with no down payment and no monthly mortgage insurance. VA financing offers flexible entitlement usage with no county loan caps, making it viable from Colorado Springs to higher-value areas near Denver. We structure VA loans to strengthen offers and ensure smooth underwriting.
Asset Depletion Mortgages in Colorado
High-asset borrowers in Colorado may qualify through asset-based lending methods. By leveraging investment accounts, retirement funds, and liquid reserves, asset depletion programs calculate qualifying income from documented holdings — ideal for borrowers with significant assets but limited traditional income.
Buy Before You Sell in Colorado
Move into a new Colorado home before selling the current one. Our buy-before-you-sell strategies help unlock equity, reduce contingent offers, and simplify timing between transactions. For homeowners navigating competitive submarkets or relocation timelines, structure matters.
LendFriend Mortgage serves the following areas in Colorado:
Whether you’re purchasing in a Denver executive neighborhood, buying a second home in a premier mountain town, or relocating to one of Colorado’s high-demand suburbs, LendFriend Mortgage helps buyers and investors secure the right home loan for their situation. We offer flexible financing for primary residences, second homes, and investment properties, and work with clients across Colorado’s most sought-after communities — including:
- Denver
- Cherry Creek
- Boulder
- Aspen
- Vail
- Greenwood Village
- Castle Pines
- Highlands Ranch
- Colorado Springs
- Fort Collins
- Aurora
- Lone Tree
- Parker
- Louisville
- Broomfield
- Centennial
- Arvada
- Golden
- Erie
- Superior
- Edwards
- Steamboat Springs
Get Started on Your Colorado Home Loan
Whether purchasing in Denver, Colorado Springs, Fort Collins, Boulder, or a mountain community in between, we structure Colorado home loans around real goals — not generic templates. From low down payment conventional options to VA financing with 0% down and jumbo loans for higher-priced properties, every strategy is designed around the property, the timeline, and long-term plans.
Connect online or speak directly with a Colorado mortgage specialist to review options. We compare competitive wholesale pricing across conventional, jumbo, VA, FHA, and non-QM programs, explain how each structure performs over time, and deliver a clear path from pre-approval through closing. With clean underwriting upfront and disciplined execution, many Colorado buyers close efficiently and without unnecessary friction.
What Our Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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Eric and his team were very helpful in our first time home buying experience. He took the time to walk us through the process and work closely with us in the beginning, answered our numerous questions during, and was able to lock us in with a good rate and close the deal. Thank you!
Shelby Tuinstra
Closed February 2026 -
My wife and I chose LendFriend when financing our first home purchase and we could not be happier with the process. The entire team was so knowledgeable, helpful, and communicative from the initial consultation through closing. We absolutely recommend LendFriend to anyone looking to buy or refinance their home!
Andrew Depies
Closed December 2025 -
I have nothing but great things to say about Eric Bernstein and his team at LendFriend! Truly white-glove service from beginning to end, making my home buying journey so much easier than ever before. Eric took the time to ensure I understood my options upfront and acted VERY quickly when I was asking for updates on the fly! I am so pleased with my experience overall and new loan, especially in this era of home buying. I feel as though I got a solid rate and understand how to take advantage of lower rates in the future, with their help of course! It was an absolute pleasure working with Eric and his all-star team - from the first phone call to closing day, I trusted the team to ensure everything went off without a hitch (which it did!). It was as seamless of a process as it could be and I always felt like I was a priority. Their communication is outstanding and dedication to delighting their clients is untouched. I highly recommend working with this group - you will be in wonderful hands too!!
Suzanne Peterson
Closed December 2025 -
Eric Bernstein and Morgan Cunningham at LendFriend made buying our new home an absolute breeze. They were very responsive and got us a great rate. We closed quickly and felt taken care of every step of the way. Highly recommend the LendFriend team!
Ty McCullough
Closed November 2025 -
Eric and his team was so amazing! They were so responsive and helped us come up with great strategies along the way! Eric would respond literally at any time of the day and they were able to help us manage a really quick close! We are so grateful for their support!!
Jo Reyes
Closed November 2025 -
LendFriend has an absolutely amazing team! Working with Eric, Morgan, Crystal, and the whole team was wonderful. They worked with me by educating and guiding me throughout the whole home buying process and helped me secure the best loan to put me in my first home. I could not recommend working with them more!
Sean D'souza
Closed October 2025
Frequently Asked Questions
Why choose LendFriend Mortgage?
LendFriend Mortgage is a mortgage brokerage built for today’s Colorado homebuyers and homeowners. We originate Conventional, Jumbo, FHA, VA, VA IRRRL, and advanced Non-QM loans including bank statement, asset depletion, DSCR, and crypto-backed mortgages.
What makes us different isn’t just product depth — it’s execution.
As a mortgage broker, we shop multiple wholesale lenders to structure the most competitive option for your scenario. And after your first transaction, we waive lender fees on future loans — because we build long-term relationships, not one-time transactions.
How can I get the best mortgage rate?
Securing a competitive mortgage rate starts with preparation and proper structuring.
Your rate is influenced by several key factors:
- Credit score
- Down payment amount
- Debt-to-income ratio
- Loan program
- Property type
- Market conditions
The strongest outcomes come from aligning these variables strategically. That may mean optimizing your credit utilization, adjusting your down payment structure, or selecting the right loan product for your scenario.
Working with a mortgage broker can also make a meaningful difference, as brokers have access to multiple lenders rather than a single institution’s pricing.
At LendFriend, we focus on delivering a well-structured loan — not just a headline rate — so your financing supports both your purchase and your long-term financial goals.
What’s the first step in getting a mortgage?
The first step is gaining clarity on your financial position.
Before beginning your home search, it’s important to understand:
- How much you can comfortably afford
- Your available down payment
- Your projected monthly payment
- How your income and debt affect qualification
At LendFriend, we begin with a financial review to determine your realistic home shopping budget. From there, we assess documentation, analyze debt-to-income, identify the most appropriate loan program, and issue a strong preapproval.
Approaching the process in this order provides confidence when it’s time to make an offer and helps ensure a smooth path to closing.