Milestone Home Mortgage is a Denver-based mortgage broker helping Colorado homebuyers and homeowners compare mortgage options and build a financing strategy around their actual goals. Whether you are purchasing your first home, moving to your next one, refinancing, investing, or trying to buy before selling, we will help you understand the payment, cash to close, costs, and tradeoffs before you decide.
Our approach is straightforward: clear advice, responsive communication, access to multiple mortgage options through a broker relationship, and a team that stays involved from preapproval through closing.
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Schedule a no-pressure mortgage consultation with Michael Shotnik. We can review your goals, answer questions, and talk through purchase, refinance, home-equity, investment, or transaction-timing options before you decide on a next step.
The right mortgage is not simply the loan with the lowest advertised rate. Your cash-to-close target, monthly payment, credit profile, property type, time horizon, and future plans all matter. We compare available options and explain the tradeoffs so you can make an informed decision.
Get a clear view of your buying power, estimated payment, cash needed at closing, and loan options before you make an offer. We help first-time and experienced buyers prepare a practical financing plan. Visit the Colorado Homebuyer Guide or start your secure preapproval.
Moving from one home to another can require more than a standard preapproval. Depending on your situation, potential strategies may include qualifying with both properties, bridge financing, home-equity access, sale contingencies, or coordinated closings. Review the complete Buy Before You Sell in Colorado guide.
A refinance or home-equity strategy should solve a specific problem. That might include changing the loan term, accessing equity, consolidating higher-interest debt, or improving monthly cash flow. We will help you evaluate the total cost and break-even point before moving forward. Learn more about Colorado mortgage refinancing options.
First-time buyers may have access to conventional low-down-payment programs, FHA financing, VA financing when eligible, and assistance programs. Eligibility varies, so we review the full picture instead of assuming one program fits everyone. Explore the Colorado Down Payment Assistance guide.
Business owners, freelancers, consultants, and borrowers with substantial tax deductions may need more than a standard income calculation. Compare conventional tax-return analysis, bank statements, profit-and-loss approaches, assets, and other eligible self-employed mortgage strategies.
Higher-priced homes and investment properties often require specialized planning. Available options depend on loan amount, property type, occupancy, credit profile, reserves, income documentation, rent, and investor requirements. Learn more about Colorado jumbo loans, investment-property financing, and DSCR loans.
For 2026, the baseline conforming loan limit for a one-unit property is $832,750 in most U.S. counties. Some higher-cost Colorado counties have higher limits. The one-unit limit is $862,500 in Denver, Douglas, Jefferson, Adams, Arapahoe, Broomfield, Clear Creek, Elbert, Gilpin, and Park counties.
Loan limits are updated annually and vary by county and number of units. Review the official 2026 FHFA announcement, or schedule a consultation to confirm the applicable limit for a specific property.
Buying or refinancing a home comes with a lot of terminology. Visit our mortgage resources for straightforward explanations of common mortgage terms, the loan process, budgeting, market conditions, and financing options.
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Ready to review your options? Schedule a consultation, start a secure preapproval, or call 303-800-4595.
HELOC vs. HECM qualification is different in one fundamental way: a HELOC is underwritten as a traditional revolving debt, while an FHA-insured Home Equity Conversion Mortgage uses a financial assessment designed for a loan that generally does not require scheduled monthly pri...
Michael and Melissa are always a pleasure to work with. They are extremely responsive, professional and work hard to get the best loan for us. I would recommend Colorado Mortgage to anyone. Thank you for another great experience!
Milestone Home Mortgage LLC NMLS #2588937. Michael Shotnik NMLS: 218281, CO License: 100017466. Not licensed in Alaska or New York. To check license status of mortgage loan originator, visit D.O.R.A. and NMLS consumer access.
