Centennial, Colorado
My office is right here in Centennial. I'm Ben Yost, and I've been helping Colorado families buy homes for 25+ years. Whether it's your first place or you're moving up for more room and the schools, I'll show you what you qualify for and what the payment really looks like, and I'm close by if you'd rather talk face to face.
Ben Yost is a Colorado mortgage broker based in Centennial. He helps Centennial buyers and homeowners with purchase loans, move-up and bridge financing, jumbo, VA, FHA, conventional, and CHFA loans, plus refinancing. Because I'm a broker and not a bank, I shop 160+ wholesale lenders for your loan and work with 30+ down payment assistance programs. And because my office is here, Centennial is home turf.
Centennial is an established suburb of about 108,000 people. When it became a city in 2001, it was the largest incorporation in U.S. history. Here's what that means for your loan:
Here's what most lenders won't tell you: down payment assistance isn't only for cheaper cities. Centennial buyers can use statewide CHFA help, either a grant of up to the lesser of $25,000 or 3% of your first mortgage that you never pay back, or a deferred second of up to the lesser of $25,000 or 4% with no monthly payment. Under CHFA's limits effective June 15, 2026, the SmartStep and Preferred programs cap household income at $178,920 in Arapahoe County. Programs like metroDPA may also apply, and I work with 30+ in total.
Answer a few quick questions and I'll go through your answers myself and come back with the assistance programs that fit. Takes about a minute. No credit pull, no obligation.
See which programs I qualify for →Don't take my word for it. Here are the latest reviews from people I've helped, in their own words.
"Thank you so much, Ben. Incredibly helpful!"
"Ben is amazing. Very on top of everything and GREAT with communication. Our process with him went so smoothly, we will definitely recommend him to anyone needed these services in the future."
"What fantastic support! Kept us aware of upcoming steps and offered value-add insight throughout the process. Very pleased with our final outcome in the midst of a chaotic summer economy."
"Ben was great. He was responsive, told us all the options and was great at communicating. Thanks Ben."
"Helped walk me through each step of the process and manage the odd bumps along the way - thanks Ben!"
"My husband and I could not be more pleased that we chose Ben Yost as our mortgage lender. His professionalism, organization, and attention to detail is second to none. He helped us navigate through a complicated bridge loan on one house and a new mortgage on another. It was a stressful time, but Ben was patient with our questions and came up with the best solution to get us into our dream house. He is very easy to work with and an all-around nice guy. Thank you Ben! We highly recommend him as a mortgage lender."
Reviews from Experience.com. Read more client reviews →
Ben Yost is a Colorado mortgage broker with 25+ years of experience, and his office is in Centennial. As a broker he shops 160+ wholesale lenders instead of offering one bank's products, and he works with 30+ down payment assistance programs. He helps first-time buyers, move-up buyers, and homeowners refinancing across Centennial and the south metro. Call or text him at 303-587-4297.
Often, yes. Depending on your equity, income, and debts, options include qualifying with both payments for a short time or using a bridge loan to tap your current home's equity for the new down payment. Ben walks you through which one fits, what it costs, and the risks, before you write an offer.
Yes. Statewide CHFA assistance works in Centennial: a grant of up to the lesser of $25,000 or 3% of the first mortgage, or a deferred second of up to the lesser of $25,000 or 4%. Under CHFA's limits effective June 15, 2026, its SmartStep and Preferred programs cap household income at $178,920 in Arapahoe County. metroDPA and other programs may also apply. Ben works with 30+ programs and checks which ones fit your income and the property.
Many Centennial neighborhoods have an HOA, and the monthly dues count in your debt-to-income ratio just like your mortgage payment. Higher dues mean you qualify for a little less house. Ben builds the real HOA amount into your numbers so there are no surprises.
Only if your loan amount is above the conforming loan limit. Many Centennial homes fit under it with a normal down payment, but larger homes may need a jumbo loan. Ben will tell you where your price range falls before you start shopping.
No. FHA loans start at 3.5% down, many conventional loans start at 3% down, and VA loans can be 0% down for eligible buyers. Put less than 20% down on a conventional loan and you'll have mortgage insurance, which can come off later as you build equity.
A bank or retail lender can only offer its own loan products and usually carries 2 or 3 down payment assistance programs. A broker like Ben shops 160+ wholesale lenders and works with 30+ assistance programs, so you see more options side by side and pick the one that fits your payment and your plans.
Program details, limits, and funding availability change and are not a commitment to lend. All loans subject to credit approval, income and property qualification, and program guidelines. Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), or any other government agency. Equal Housing Opportunity.
Centennial Homebuyer Blog
Plain-English articles for Centennial buyers and homeowners — moving up, refinancing, and buying smart.
A Colorado broker explains what a lender credit is, how up to $4,000 cuts your closing costs, which loans qualify, and how to spot a fake credit.
Sep 22, 2026
A Colorado broker explains how to cancel PMI at 80% of your home's value without refinancing — a real Aurora example, plus why FHA MIP is different.
Jul 27, 2026
15 minutes on the phone, or we can meet in person. I'll show you what you qualify for and what the payment looks like. No pressure, no sales pitch.
Or fill out the contact form and I'll get back to you the same day.
