Mortgage Loans in Centennial, CO

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario!

Conventional

Learn More!

FHA

Learn More!

VA

Learn More!

Jumbo

Learn More!

Rehab

Learn More!

USDA

Learn More!
Mortgage Home Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
6

Closing

Signing the final documentation and receiving the keys to your new home! Learn More

Documentation:

Appraisal:

Underwriting:

Conditional Approval:

Clear to Close:

Closing:

DOWNLOAD OUR HOMEBUYER’S MORTGAGE GUIDE

All about Centennial, CO

The City of Centennial is a home rule municipality located in Arapahoe CountyColorado, United States. The city population was 108,418 at the 2020 United States Census, making Centennial the 11th most populous municipality in Colorado. Centennial is a part of the Denver–Aurora–Lakewood, CO Metropolitan Statistical Area and the Front Range Urban Corridor.

Source: https://en.wikipedia.org/wiki/Centennial,_Colorado

History of Centennial, CO

The City of Centennial was formed on February 7, 2001, from portions of unincorporated Arapahoe County, including the former Castlewood and Southglenn census-designated places (CDPs). The citizens of the area had voted to incorporate on September 12, 2000, choosing Centennial as the official name during the vote. The name reflects Colorado’s admission to the Union as the 38th state in 1876, the centennial year of the United States Declaration of Independence. The state of Colorado is nicknamed the “Centennial State“.

Incorporation was approved by 77% of the voters, and the population of the area at over 100,000 made it the largest incorporation in U.S. history as of its creation. The city was incorporated in large part to prevent further annexations of unincorporated areas by the city of Greenwood Village in an attempt to improve its tax base. The taxes generated from businesses in unincorporated portions of Arapahoe County funded the majority of the county’s services, including road work. A number of court cases eventually established the right of incorporation to take precedence over the right of annexation.

The city was incorporated on a promise to keep city taxes at 1%. (One of the campaigns against incorporation appealed to voters to maintain the 3.8% sales tax of the unincorporated county.) According to the City of Centennial website, the current sales tax rate is two-and-a-half times the promised rate, at 2.5%.

Since the city is relatively new, some people in the Denver-Aurora metropolitan area do not yet recognize the area by the name “Centennial”, especially since neighboring AuroraEnglewood and Littleton are the default place names assigned by the United States Postal Service for ZIP codes serving Centennial. Thus, mailing addresses designated as “Aurora”, “Englewood” or “Littleton” may actually be located in Centennial. This causes considerable confusion, as Centennial and Englewood do not even share a boundary, while some portions of Centennial are surrounded by Aurora and vice versa.

In 2008, Centennial voters approved a referendum by approximately a 2-to-1 margin making Centennial a home rule city.

Centennial Airport, formerly Arapahoe County Airport, lies adjacent to Centennial, but is located in unincorporated Arapahoe County. The airport is not named after the city, as it predates the city by over 30 years.

Source: https://en.wikipedia.org/wiki/Centennial,_Colorado

Geographics and Demographics of Centennial, CO

Centennial is roughly divided in half by Interstate 25, with most of its business and entertainment centers lying west of the highway. The city’s boundaries are highly irregular and evocative of a gerrymander, particularly the overwhelmingly residential eastern portions of the city, which appear with Foxfield, portions of Aurora, and unincorporated areas as a distorted checkerboard on the city’s map.

Centennial has many hills, gullies and ravines, and its open spaces are usually accompanied by recreational trails and parks, including Dry Creek Dam, DeKoevend Park, the High line Canal Trail, Willow Creek Trail, as well as Big Dry Creek and Little Dry Creek Trails. Centennial hosts most native wildlife and is a good reflection of Colorado’s front range ecosystem. Centennial has seen a boost in coyote populations in recent years, leading to resident education on how to deter coyotes from eating family pets.

Centennial is located at 39°35’47” North, 104°50’38” West (39.5963, −104.8439).

At the 2020 United States Census, the city had a total area of 19,115 acres (77.355 km2) including 94 acres (0.379 km2) of water.

Demographics

The city is approximately composed of 87.4% White, 4.8% Hispanic or Latino, 3.6% Asian, 2.4% African American, 0.4% Native American, and 0.3% from other races.

The median age is 37.2 years, in comparison to the 35.3-year national average. For every 100 females, there are 98 males.

Source: https://en.wikipedia.org/wiki/Centennial,_Colorado

Hundreds of 5-star

reviews & happy clients!

“Integrity and excellence. Those are the two words that come to mind when I reflect on what it was like to work with Justen and Mimi in the sale of my home. Having gone through the complicated and stressful process several times before, I can't overstate how reassuring their honesty, expertise, urgency, local knowledge, professionalism, patience, and positivity truly was - whether you're purchasing or selling property, I can't recommend this team enough!”

Zak GarrissHomebuyer