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Trinity Lending Company

BOULDER COUNTY, CO

Mortgage Broker in Boulder, CO

Trinity Lending Company is licensed in Colorado and works with buyers and homeowners in Boulder and throughout Boulder County. We help you compare mortgage options, get pre-approved and stay informed from application to closing.

Get Pre-ApprovedCall (973) 453-5692

Home loans in Boulder, CO

With an estimated 106,433 residents, Boulder is a sizable community, with roughly 3,957 people per square mile. Local housing costs, property types and how long homes have been owned all shape which loan fits best, so we start with your plans and the property, not a one-size-fits-all product.

The Boulder housing market at a glance

The estimated median value of owner-occupied homes in Boulder is $1,039,500, about 37% above the Boulder County median of $756,300. Statewide, the Colorado median is $539,400.

Home values here are about 11.9 times the median household income ($87,493), which is high. Buyers often weigh down payment size, loan type and monthly costs carefully, and some look at assistance programs or a co-borrower.

Only about 47% of occupied homes are owner-occupied, so many residents here are renters. For renters ready to buy, pre-approval and first-time homebuyer options are a good first step.

The median home was built around 1977, so many properties have had updates over the years. A careful inspection and accurate appraisal help keep the loan on track.

Loan limits in Boulder County

Boulder County is a high-cost area for 2026: the conforming loan limit for a one-unit home is $879,750, above the national baseline of $832,750. With local values near or above that level, many purchases in Boulder require a jumbo loan.

Mortgage services for Boulder buyers and homeowners

Home purchase loans

Pre-approval and purchase financing for homes in Boulder, from condos to single-family homes.

Refinancing

Review whether refinancing could lower your monthly payment, change your loan term or turn equity into cash.

FHA loans

Government-insured loans with flexible credit guidelines. FHA loan limits are set by county; we confirm the current Boulder County limit for you.

VA loans

For eligible veterans, service members and surviving spouses, often with no down payment required.

Conventional loans

Fannie Mae and Freddie Mac loans up to $879,750 for a one-unit home in Boulder County.

Jumbo loans

Financing above $879,750 for higher-priced homes in and around Boulder.

First-time homebuyer loans

Guidance on low down payment options and Colorado Housing and Finance Authority programs for first-time buyers.

Homebuyer assistance in Colorado

CHFA offers home loans with grants or second mortgage loans for down payment and closing cost assistance through participating lenders, plus free homebuyer education across the state. Learn more from Colorado Housing and Finance Authority (CHFA).

How it works

  1. Tell us about your plans for buying or refinancing in Boulder.
  2. We review your income, assets and credit and explain the loan options that fit.
  3. Get a pre-approval letter to share with your real estate agent.
  4. We coordinate the appraisal, paperwork and closing and keep you updated.

Frequently asked questions about mortgages in Boulder

Is Trinity Lending Company licensed to arrange mortgages in Boulder?

Yes. Trinity Lending Company (NMLS #2762052) is licensed in New Jersey, Florida, Colorado and Pennsylvania. In Colorado our license is overseen by the Colorado Division of Real Estate. You can verify our licensing on NMLS Consumer Access.

What is the conforming loan limit in Boulder County for 2026?

For a one-unit home, the 2026 conforming loan limit in Boulder County is $879,750, according to the Federal Housing Finance Agency. Larger loans are considered jumbo loans.

What do homes cost in Boulder?

The U.S. Census Bureau's American Community Survey (2020-2024 five-year estimates) puts the median value of owner-occupied homes in Boulder at about $1,039,500. Prices of homes for sale vary by neighborhood, property type and condition.

Are there first-time homebuyer programs for Boulder buyers?

CHFA offers home loans with grants or second mortgage loans for down payment and closing cost assistance through participating lenders, plus free homebuyer education across the state. Ask us how these programs compare with the loan options available to you.

How do I get pre-approved for a home in Boulder?

Start an application online or call (973) 453-5692. We review your income, assets and credit, explain the loan options that fit, and issue a pre-approval letter you can share with your real estate agent.

Mortgage guides for Boulder buyers

Browse all mortgage guides or compare all loan services.

Nearby areas we serve

Sources

Figures are estimates from public sources and may differ from current listing prices. This page is for information only and is not a commitment to lend. All loans are subject to credit approval and program guidelines. Trinity Lending Company, NMLS #2762052, is licensed in Colorado by the Colorado Division of Real Estate.

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