Licensed to do business in the State of Florida, Colorado, Georgia and Tennessee. NMLS 222883.
CPF Mortgage in Colorado
Licensed statewide, serving the Front Range, the mountain towns and the Western Slope, with the escrow maths that Colorado metro districts demand.
Get pre-qualified Call (303) 645-4615
Colorado registered mortgage company NMLS 222883
Colorado is a high-price, high-competition market where the difference between a good loan and a bad one is rarely the rate on the first page. It is the escrow estimate, the insurance quote, and whether your pre-approval survives an underwriter.
CPF Mortgage is a registered mortgage company in Colorado, lending statewide from our team in Trinity, Florida. We serve the Front Range from Fort Collins to Pueblo, the mountain resort counties and the Western Slope.
Two things catch Colorado buyers out more than anything else: metropolitan districts, which can add well over a thousand dollars a year to the tax bill on a new build in Douglas, Adams or Weld county, and homeowners insurance in wildfire-exposed areas, where a quote can arrive late and blow up a payment estimate. We front-load both.
New-build neighbourhoods in Colorado frequently sit inside a metropolitan district with its own mill levy on top of the county rate. We pull the actual levy for the address instead of estimating off a county average.
Wildfire exposure has made Colorado homeowners insurance slower and more expensive to place. We start that conversation at pre-approval, not at the closing disclosure.
Conforming loan limits run above the national baseline in several Colorado mountain counties, which sometimes keeps a large loan out of jumbo pricing entirely. We check the limit for the county the property is actually in.
Front Range sellers still see multiple offers on well-priced homes. Being pre-underwritten before you shop lets you shorten your financing contingency with confidence.
Every CPF loan program is available to Colorado borrowers. These are the ones that come up most often here.
Colorado Housing and Finance Authority loans pair a first mortgage with down payment assistance as a grant or a second mortgage. Income and purchase-price limits apply and vary by county, so we compare a CHFA loan against conventional and FHA side by side.
Colorado has a large active-duty and veteran population around Colorado Springs, Fort Carson, Peterson and Buckley. Zero down, no monthly mortgage insurance, and entitlement that can be reused.
VA loansA workable path in a high-price market for buyers with a smaller down payment or a shorter credit history.
FHA loansFor Boulder, Cherry Creek, Castle Pines and the resort counties, where the purchase price runs past the local conforming limit.
Jumbo loansBuilding rather than buying is common in Colorado. A single close covers construction and the permanent mortgage, with one set of costs and one approval.
How one-time close loans workColorado equity has grown fast. Take some out for a renovation or a second property without refinancing a low first-mortgage rate you would rather keep.
HELOCThe details below change what you pay and what you qualify for. We build them into your first estimate rather than a revised one.
State taxes, assistance-program limits and insurance requirements change. Everything above is general information, not a commitment to lend or a quote. Ask us for the figures that apply to your address and loan amount.
We are licensed statewide. These are the markets our Colorado loan officers work in most.
Denver · Littleton · Highlands Ranch · Centennial · Lakewood · Aurora · Arvada · Westminster · Thornton · Parker · Castle Rock · Golden
Boulder · Longmont · Fort Collins · Loveland · Greeley · Windsor · Erie · Broomfield
Colorado Springs · Monument · Fountain · Pueblo · Cañon City
Breckenridge · Frisco · Vail · Avon · Steamboat Springs · Glenwood Springs · Durango · Grand Junction
Counties served include: Denver, Arapahoe, Jefferson, Douglas, Adams, Broomfield, Boulder, Larimer, Weld, El Paso, Pueblo, Summit, Eagle, Routt, Garfield, Pitkin, La Plata, Mesa, and every other county in Colorado.
Yes. Christopher Paul Financial, LLC dba CPF Mortgage is a Colorado registered mortgage company, NMLS 222883. We lend statewide, with service provided by our team in Trinity, Florida.
A metropolitan district is a local government formed to finance infrastructure in a new subdivision, and it levies additional mills on top of county and school taxes. Because your lender escrows property taxes, a metro district raises your monthly payment and reduces how much house you qualify for. We pull the actual levy for the property before quoting.
Not always. Conforming loan limits are set annually by the FHFA and run above the national baseline in several Colorado mountain counties, so a loan that would be jumbo in Denver can still be conforming in Eagle or Summit county. We check the limit for the specific county before pricing.
Most CPF Mortgage purchase loans close in 20 to 30 days. The variable in Colorado is usually the insurance binder, so starting that quote at pre-approval rather than under contract is what keeps a file on schedule.
Yes, for second homes and investment property as well as primary residences. Resort-county files bring their own considerations (short-term rental rules, HOA structures, winter access) and we work through them before you are under contract.
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Tell us what you are trying to do and we will come back with real numbers: rate, payment, closing costs and the Colorado items that belong in the estimate.
Colorado lending team
(303) 645-4615
Colorado registered mortgage company NMLS 222883
