--- title: "PierPoint Mortgage in Denver, CO | $0 Broker Fee, 24-Hour Pre-Approval" description: "Denver, Colorado mortgage broker compares 100+ wholesale lenders. FHA, VA, conventional, jumbo. 24-hour pre-approval. Call (983) 444-2863 for a free rate comparison." author: "PierPoint Mortgage" date: "2026-05-20" tags: ["mortgage broker Denver"] canonical: "https://pierpointmortgage.com/locations/denver-co/" last_updated: "2026-06-10" --- # PierPoint Mortgage in Denver, CO | $0 Broker Fee, 24-Hour Pre-Approval **By PierPoint Mortgage** | May 20, 2026 Denver, Colorado mortgage broker compares 100+ wholesale lenders. FHA, VA, conventional, jumbo. 24-hour pre-approval. Call (983) 444-2863 for a free rate comparison. --- Mortgage Broker · Denver, Colorado Serving Denver homebuyers from our Muskegon, Michigan headquarters — fully licensed in Colorado, 100+ wholesale lender partners, $0 broker fees, 24-hour pre-approval. [Call (983) 444-2863](tel:+19834442863)[Apply Online — 10 Min](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y) ★★★★★ 4.9 · 152 reviews·NMLS #112844·Founded 2003 · 20+ years SERVICE AREAS ## Proudly Serving [Colorado](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/) & the Top 15 Metros Our licensed mortgage team has helped **thousands of Colorado homebuyers** compare rates from 100+ wholesale lenders. Click any city below to see local loan limits, rates, and FHA programs — or call [(983) 444-2863](tel:+19834442863). [📍Denver](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-denver-co/)[📍Colorado Springs](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-colorado-springs-co/)[📍Aurora](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-aurora-co/)[📍Fort Collins](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-fort-collins-co/)[📍Lakewood](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-lakewood-co/)[📍Thornton](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-thornton-co/)[📍Arvada](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-arvada-co/)[📍Westminster](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-westminster-co/)[📍Pueblo](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-pueblo-co/)[📍Centennial](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-centennial-co/)[📍Boulder](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-boulder-co/)[📍Greeley](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-greeley-co/)[📍Longmont](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-longmont-co/)[📍Loveland](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-loveland-co/)[📍Broomfield](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-broomfield-co/) ABOUT THIS LOCATION ## About Our Denver, CO Mortgage Services Colorado markets are highly competitive — Denver and Boulder regularly see multi-offer scenarios; jumbo limits matter in mountain towns. PierPoint Mortgage helps Denver homebuyers win in this market by comparing rates across 100+ wholesale lenders, securing 24-hour pre-approvals that real estate agents trust, and structuring loans (FHA, VA, conventional, jumbo, DSCR) tailored to Colorado’s loan limits and regulatory environment. We’re licensed by the Colorado Division of Real Estate and have been originating mortgages in Colorado since 2003. While our headquarters is in Muskegon, Michigan, our entire process is digital — application, document upload, e-signature, and closing coordination all happen remotely. Denver clients don’t need to visit a physical office. LOAN OPTIONS ## Mortgage Products Available in Denver, CO [Conventional Loans3% down · Conforming + high-balance limits · Best for credit 680+](https://pierpointmortgage.com/conventional-loans/) [FHA Loans3.5% down · Colorado county loan limits · Credit 580+](https://pierpointmortgage.com/fha-loans/) [VA Loans$0 down for veterans · No PMI · No loan cap for 100% entitlement](https://pierpointmortgage.com/va-loans/) [Jumbo LoansUp to $3M+ · Best for homes above conforming limits](https://pierpointmortgage.com/jumbo-loans/) [DSCR Investor LoansNo income verification · Based on rental cash flow](https://pierpointmortgage.com/dscr/) [RefinancingCash-out, rate-and-term, FHA streamline · Compare 100+ lenders in 24 hours](https://pierpointmortgage.com/mortgage-refinancing/) FREQUENTLY ASKED ## Denver Mortgage Questions ### What are current mortgage rates in Denver, CO? Mortgage rates in Denver track national rates but vary by loan type, credit score, and down payment. PierPoint Mortgage compares quotes from 100+ wholesale lenders in real time. [Call (983) 444-2863](tel:+19834442863) for today’s rate. ### How much do I need for a down payment in Denver? Down payment minimums in Denver depend on loan type: 3% conventional, 3.5% FHA, 0% VA (for eligible veterans). Colorado also has state-level down-payment-assistance programs that can lower out-of-pocket costs significantly. ### Is PierPoint Mortgage licensed in Colorado? Yes — PierPoint Mortgage LLC (NMLS #112844) is licensed by the Colorado Division of Real Estate to originate residential mortgages in Colorado, including Denver and all surrounding service areas. ### Do I need to come to your office in person? No. Our entire process is digital — application, document upload, e-signature, and closing. Denver clients work entirely with our team by phone, email, and our secure online portal. No in-person office visit required. ### How long does pre-approval take for a Denver home? 24 hours for most files. Submit your documents in our portal Monday morning, get your pre-approval letter by Tuesday morning — ready for your real estate agent to use on Denver listings the same week. GET STARTED ## Ready to Get Pre-Approved in Denver? See your real rate from 100+ wholesale lenders. Most Denver first-time buyers pay $0 in broker fees. Pre-approval in 24 hours. [(983) 444-2863 — Free Rate Comparison](tel:+19834442863) [Apply Online](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y) · [Quick Quote](https://pierpointmortgage.com/quick-quote/) NMLS #112844 · Licensed in Colorado · [NMLS Consumer Access](https://nmlsconsumeraccess.org/) --- **Shopping a mortgage in one of our 15 states?** PierPoint Mortgage is an independent brokerage, NMLS #112844, licensed since 2003. We compare wholesale rate sheets from 100+ lenders instead of selling one bank's products, and give you a written quote before you commit to anything. - Free rate comparison: (231) 737-9911 - Apply: https://pierpointmortgage.com/apply/ - Full page: https://pierpointmortgage.com/locations/denver-co/