Mile high views.
Down toearth rates.
Altgage is a licensed Colorado mortgage broker. We shop multiple lenders, offer CHFA down payment help, and answer the phone, from Denver to the Western Slope.
Same-Day Pre-Approval
15–20 Day Close
One Application, Multiple Options
A Top Line Overview
Local Market Snapshot
Typical Home Value
$543,000
Source: Zillow.com
As of June 2026
Median Days on Market
45 Days
Source: Redfin
As of March 2026
Median Household Income
$97,100
Source: U.S. Census Bureau
2024 data
Where We Lend:
Denver, Colorado Springs, Boulder, Fort Collins, and the mountain towns. Colorado prices have eased from their peak, so buyers have more room to negotiate. We help you turn that into seller credits and a lower rate.
What We Finance
Whatever You're Financing in Colorado
Buying a home
Buying your first or next home? Same-day pre-approval, plus help negotiating seller credits toward your rate or closing costs.
Refinance
Lower your rate, change your term, or pull cash out. We'll show you the math before you commit.
HELOC
Tap your equity and keep your low first-mortgage rate. Fixed-rate options, funding in as few as 5 days.
Investment properties
Qualify on the property's rental income with a DSCR loan, not your tax returns. We compare 5+ DSCR lenders across Colorado.
You may need less upfront than you think.
Down Payment Help in Colorado
CHFA programs help Colorado buyers cover the down payment and closing costs.
CHFA Down Payment Assistance
A CHFA first mortgage, FHA or conventional, paired with down payment help as a grant or second mortgage. Income and purchase price limits apply.
- FHA or conventional first mortgage
- Grant or second-mortgage options
CHFA FirstGeneration & Schools to Home
Extra CHFA options for first-generation homebuyers and for Colorado school employees.
- FirstGeneration: up to $25,000 for first-generation buyers
- Schools To Home: for Colorado public school employees
CHFA sets each program's income limits and terms, and they change. Buyers also complete a homebuyer education course. We'll check what you qualify for before you apply. Altgage does not administer these programs.
The Altgage Difference
Why a one-stop tech brokerage beats your bank every time
1
1 day Pre-approval
Submit and get moving the same day — not "a loan specialist will get back to you.
15
15 day closings
A process built to close in days, not the industry-standard month-plus.
0
0 spam calls
No autodialers, no call center — one licensed broker who actually answers the phone.
10+
10+ lender options
We shop 10+ lenders on your loan, so you see more than one bank's price.
A trusted partner for mortgage originations
We work with the best in the business
Realtor partners
We work with agents across Colorado
We partner with buyer's and listing agents statewide who need a trusted partner on the journey home.
Don't see your city? We lend across all of Colorado
Client reviews
Real reviews, straight from Google
Frequently asked questions
You’ve got questions, we’ve got answers
Yes. We offer CHFA first mortgages with down payment assistance, including options for first-generation buyers and school employees. CHFA sets income and purchase price limits, and you'll complete a homebuyer education course. We'll check your eligibility before you apply.
If your first mortgage rate is lower than today's rates, a HELOC usually wins. You borrow against your equity and keep the low rate on your first loan. We'll run both options and show you the math.
Yes. Conventional second-home loans can start at 10% down. If you plan to rent the home out, a DSCR loan may be a better fit.
Statewide, the typical home went under contract in about 45 days in early 2026, slower than a few years ago. That gives buyers more time to compare homes and negotiate.
Most of our loans close in 15 to 20 days. Pre-approval usually happens the same day you apply.
