Mortgage Broker in Westminster, CO
Jefferson / Adams County · Denver–Aurora–Centennial metro
Westminster is where Rich lives, and it's the home base for most of his Colorado closings. From new construction in The Heights at Westminster Station to established homes near Standley Lake, the county split and HOA variety mean borrowers benefit from a broker who already knows the underwriting quirks.
Loan programs in Westminster
- Conventional — 2026 baseline conforming loan limit is $806,500 for a 1-unit home. Some counties exceed the baseline; check the current limit for Jefferson / 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 Jefferson / Adams County. Rates and guidelines vary by lender; we shop the options.
- Refinance — rate-and-term and cash-out refinances on your Westminster property.
Westminster neighborhoods we serve
- · Legacy Ridge
- · The Ranch
- · Bradburn Village
- · Standley Lake
- · Sheridan Green
- · Westminster Station
Not listed? We finance homes throughout Jefferson / 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 Westminster, 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.