Mortgage Broker in Aurora, CO
Arapahoe / Adams County · Denver–Aurora–Centennial metro
Aurora straddles Arapahoe and Adams counties and spans everything from first-time-buyer condos off Smoky Hill to million-dollar estates in Saddle Rock. FHA and VA loans are especially active here given proximity to Buckley Space Force Base. Rich has closed purchases and refinances across every Aurora ZIP.
Loan programs in Aurora
- Conventional — 2026 baseline conforming loan limit is $806,500 for a 1-unit home. Some counties exceed the baseline; check the current limit for Arapahoe / Adams County at searchconformingloanlimits.com.
- FHA — low down payment (as little as 3.5%), flexible credit. FHA loan limits are set at the county level and change yearly.
- VA — 0% down for eligible service members and veterans, no mortgage insurance. County VA limits no longer apply to borrowers with full entitlement.
- Jumbo — for purchases above the conforming limit in Arapahoe / Adams County. Rates and guidelines vary by lender; we shop the options.
- Refinance — rate-and-term and cash-out refinances on your Aurora property.
Aurora neighborhoods we serve
- · Southlands
- · Tallyn's Reach
- · Saddle Rock
- · Painted Prairie
- · Tollgate Crossing
- · Green Valley Ranch (shared with Denver)
Not listed? We finance homes throughout Arapahoe / Adams County.
Why a broker — not a big-bank retail LO
As a broker, RICH Home Loans shops the same loan across multiple wholesale investors on your behalf. Big-bank retail loan officers can only sell their own bank's product, whether or not it's the best fit. For a purchase in Aurora, that often means a lower rate, lower closing costs, or both.
Rich Blanchard is a 30-year mortgage veteran. The numbers on your quote are the numbers you close at — no bait-and-switch.
Closing Checklist
The 84-item checklist Rich uses to review every Closing Disclosure before you sign.
Banking After Hours
Full PITI + DTI + pre-qualification, 24/7. No credit pull.
Book a call
Free 15-minute scenario review. Weekends OK.
Other Denver–Aurora–Centennial cities we serve
Ready to start?
Licensed in CO, TX, KS, and MO. Call, text, or email — or run your scenario yourself at Banking After Hours.