Denver
CO
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Overview
$765,386
Average Sales Price
$548,544
Median Sales Price
990,094
Population
5,144
Total Listings
Featured Listings
For Sale (1264)
For Sold (31428)
Price Dropped by $5K4 Beds5 Baths3,005 SqFt2365 S Cherokee ST, Denver, CO 80223
MLS# 9896652
Listed by Real Broker, LLC DBA Real
Price Dropped by $55K4 Beds4 Baths3,634 SqFt3240 N Franklin ST, Denver, CO 80205
MLS# 9483260
Listed by Real Broker, LLC DBA Real
Price Dropped by $26K4 Beds5 Baths3,193 SqFt3829 Osage ST, Denver, CO 80211
MLS# 6844911
Listed by Real Broker, LLC DBA Real
Price Dropped by $2K3 Beds2 Baths2,006 SqFt4528 W 27th AVE, Denver, CO 80212
MLS# 4787830
Listed by Real Broker, LLC DBA Real
New
Active
Amenities & Attractions
Restaurants
Home Services
Health & Medical
Local Services
Shopping
Recreation
Arts & Entertainment
Food
Beauty
Nightlife
Event Planning & Services
Automotive
Religious Organizations
Financial Services
Professional Services
Travel
Education
Pets
Local Events & Flavor
Local Media
-
The Sandwich Board
5325 Zuni Street, Denver, CO 80221
Sandwiches Phone: 303-433-6690
-
Subway
1509 W 84th Ave, Denver, CO 80260
Sandwiches Phone: 303-650-0123
-
First Draft
1309 26th St, Denver, CO 80205
Beer Gardens Phone: 303-736-8400
-
Grateful Gnome Sandwich Shoppe & Brewery - Temp. CLOSED
4369 Stuart St, Denver, CO 80212
Breweries
-
Mr India BBQ
3157 W 38th Ave, Denver, CO 80211
Indian Phone: 303-433-3942
-
Milk & Honey Bar + Kitchen
1414 Larimer St, Denver, CO 80202
American (New) Phone: 303-997-7590
-
Mile High Vienna Stand
1312 21st St, Denver, CO 80205
Hot Dogs Phone: 303-292-2847
-
Taqueria Las Palmas
3939 Federal Blvd, Denver, CO 80211
Mexican Phone: 303-458-1107
-
Scratch Burrito & Happy Tap
4262 Lowell Blvd, Denver, CO 80211
Mexican Phone: 303-477-3000
-
Ragin’ Hog BBQ
4361 Lowell Blvd, Denver, CO 80211
Southern Phone: 303-859-6003
-
Acorn
3350 Brighton Blvd, Denver, CO 80216
American (New) Phone: 720-542-3721
-
Degree Metropolitan Food + Drink
1190 Auraria Pkwy, Denver, CO 80204
Bars Phone: 720-439-2890
-
Peak Pub House
1000 Chopper Cir, Denver, CO 80204
American (Traditional) Phone: 303-405-1264
-
Harry’s Bar
818 17th St, Denver, CO 80202
Bars Phone: 303-607-0208
-
Kyle’s Kitchen
4018 Tennyson St, Denver, CO 80212
Breakfast & Brunch Phone: 303-477-5625
-
Sunrise Cafe
4390 Sheridan Blvd, Denver, CO 80212
Breakfast & Brunch Phone: 303-433-6911
-
Syrup- Downtown
999 18th St, Denver, CO 80202
American (New) Phone: 720-708-5957
-
Tres Chiles
3900 Tennyson St, Denver, CO 80212
Mexican Phone: 720-855-7249
-
El Señor Sol
2301 7th St, Denver, CO 80211
Mexican Phone: 303-455-2500
-
Jou Jou’s Restaurant
1100 14th St, Denver, CO 80202
Phone: 303-228-0770
-
Firenze a Tavola
4401 Tennyson St, Denver, CO 80212
Italian Phone: 303-561-0234
Educational Environment
Elementary Schools (66)Middle Schools (35)High Schools (19)
Name
Category
Grades
Library
Ratio
10/10
Dennison Elementary School
401 Independence St, Lakewood, CO 80226
Public
KG - 6
No
21:1 STUDENTS/TEACHERS
9/10
Polaris at Ebert Elementary School
410 Park Ave W, Denver, CO 80205
Public
KG - 5
No
17:1 STUDENTS/TEACHERS
9/10
Hulstrom Options K-8 School
11551 Wyco Dr, Northglenn, CO 80233
Public
KG - 8
No
19:1 STUDENTS/TEACHERS
9/10
Park Hill School
5050 E 19th Ave, Denver, CO 80220
Public
PK - 5
No
19:1 STUDENTS/TEACHERS
9/10
Slavens K-8 School
3000 S Clayton St, Denver, CO 80210
Public
KG - 8
No
18:1 STUDENTS/TEACHERS
9/10
Cory Elementary School
1550 S Steele St, Denver, CO 80210
Public
1 - 5
No
19:1 STUDENTS/TEACHERS
9/10
Steele Elementary School
320 S Marion Pkwy, Denver, CO 80209
Public
KG - 5
No
16:1 STUDENTS/TEACHERS
9/10
Steck Elementary School
450 Albion St, Denver, CO 80220
Public
PK - 5
No
19:1 STUDENTS/TEACHERS
9/10
Westerly Creek Elementary School
8800 E 28th Ave, Denver, CO 80238
Public
EE - 5
No
17:1 STUDENTS/TEACHERS
8/10
Rocky Mtn School of Expeditionary Learning
1700 S Holly St, Denver, CO 80222
Public
KG - 12
No
13:1 STUDENTS/TEACHERS
8/10
Challenge School
9659 E Mississippi Ave, Denver, CO 80247
Public
PK - 8
No
18:1 STUDENTS/TEACHERS
8/10
Denver Language School
451 Newport St, Denver, CO 80220
Public
KG - 5
No
21:1 STUDENTS/TEACHERS
8/10
Southmoor Elementary School
3755 S Magnolia Way, Denver, CO 80237
Public
PK - 5
No
18:1 STUDENTS/TEACHERS
8/10
University Park Elementary School
2300 S Saint Paul St, Denver, CO 80210
Public
KG - 5
No
16:1 STUDENTS/TEACHERS
8/10
Bradley International School
3051 S Elm St, Denver, CO 80222
Public
PK - 5
No
18:1 STUDENTS/TEACHERS
8/10
Rooney Ranch Elementary School
2200 S Coors St, Lakewood, CO 80228
Public
KG - 6
No
19:1 STUDENTS/TEACHERS
8/10
Teller Elementary School
1150 Garfield St, Denver, CO 80206
Public
PK - 5
No
15:1 STUDENTS/TEACHERS
8/10
Bromwell Elementary School
2500 E 4th Ave, Denver, CO 80206
Public
KG - 5
No
15:1 STUDENTS/TEACHERS
7/10
Valdez Elementary School
2525 W 29th Ave, Denver, CO 80211
Public
PK - 5
No
15:1 STUDENTS/TEACHERS
7/10
Pioneer Charter School
3230 E 38th Ave, Denver, CO 80205
Public
PK - 8
No
14:1 STUDENTS/TEACHERS
7/10
Highline Academy Charter School
2170 S Dahlia St, Denver, CO 80222
Public
KG - 8
No
15:1 STUDENTS/TEACHERS
7/10
STEM Lab
11700 Irma Dr, Northglenn, CO 80233
Public
KG - 8
No
19:1 STUDENTS/TEACHERS
7/10
Kendrick Lakes Elementary School
1350 S Hoyt St, Lakewood, CO 80232
Public
PK - 6
No
19:1 STUDENTS/TEACHERS
7/10
Holm Elementary School
3185 S Willow St, Denver, CO 80231
Public
EE - 5
No
17:1 STUDENTS/TEACHERS
7/10
Stober Elementary School
2300 Urban St, Lakewood, CO 80215
Public
KG - 6
No
20:1 STUDENTS/TEACHERS
7/10
Carson Elementary School
5420 E 1st Ave, Denver, CO 80220
Public
KG - 5
No
15:1 STUDENTS/TEACHERS
7/10
Arapahoe Ridge elementary School
13095 Pecos St, Westminster, CO 80030
Public
KG - 5
No
20:1 STUDENTS/TEACHERS
7/10
Asbury Elementary School
1320 E Asbury Ave, Denver, CO 80210
Public
KG - 5
No
15:1 STUDENTS/TEACHERS
7/10
Lincoln Elementary School
710 S Pennsylvania St, Denver, CO 80209
Public
KG - 5
No
20:1 STUDENTS/TEACHERS
7/10
Devinny Elementary School
1725 S Wright St, Lakewood, CO 80228
Public
KG - 6
No
18:1 STUDENTS/TEACHERS
6/10
Odyssey Charter Elementary School
6550 E 21st Ave, Denver, CO 80207
Public
KG - 8
No
14:1 STUDENTS/TEACHERS
6/10
Academia Ana Marie Sandoval
3655 Wyandot St, Denver, CO 80211
Public
PK - 6
No
23:1 STUDENTS/TEACHERS
6/10
University Preparatory
2409 Arapahoe St, Denver, CO 80205
Public
KG - 3
No
11:1 STUDENTS/TEACHERS
6/10
Patterson International School
1263 S Dudley St, Lakewood, CO 80232
Public
PK - 6
No
24:1 STUDENTS/TEACHERS
6/10
Jefferson County Open Elementary School
7655 W 10th Ave, Lakewood, CO 80214
Public
PK - 6
No
19:1 STUDENTS/TEACHERS
6/10
Westgate Charter
11700 Irma Dr, Northglenn, CO 80233
Public
KG - 10
No
15:1 STUDENTS/TEACHERS
6/10
Bear Creek K-8 School
9601 W Dartmouth Pl, Lakewood, CO 80227
Public
KG - 8
No
19:1 STUDENTS/TEACHERS
6/10
South Lakewood Elementary School
8425 W 1st Ave, Lakewood, CO 80226
Public
KG - 6
No
16:1 STUDENTS/TEACHERS
6/10
Riverdale Elementary School
10724 Elm Dr, Thornton, CO 80233
Public
KG - 5
No
19:1 STUDENTS/TEACHERS
6/10
Brown International Academy
2550 Lowell Blvd, Denver, CO 80211
Public
PK - 5
No
17:1 STUDENTS/TEACHERS
6/10
Sabin World School
3050 S Vrain St, Denver, CO 80236
Public
PK - 5
No
17:1 STUDENTS/TEACHERS
6/10
Green Gables Elementary School
8701 W Woodard Dr, Lakewood, CO 80227
Public
KG - 6
No
21:1 STUDENTS/TEACHERS
6/10
Kipp Sunshine Peak Academy
375 S Tejon St, Denver, CO 80223
Public
5 - 8
No
15:1 STUDENTS/TEACHERS
5/10
Soar at Green Valley Ranch
4800 Telluride St # 4, Denver, CO 80249
Public
KG - 5
No
17:1 STUDENTS/TEACHERS
5/10
The Studio School
10604 Grant Dr, Northglenn, CO 80233
Public
KG - 5
No
18:1 STUDENTS/TEACHERS
5/10
Lowry Elementary School
8001 E Cedar Ave, Denver, CO 80230
Public
PK - 5
No
17:1 STUDENTS/TEACHERS
5/10
Green Mountain Elementary School
12250 W Kentucky Dr, Lakewood, CO 80228
Public
PK - 6
No
22:1 STUDENTS/TEACHERS
5/10
Greenlee Elementary School
1150 Lipan St, Denver, CO 80204
Public
PK - 5
No
17:1 STUDENTS/TEACHERS
5/10
Lena Archuleta Elementary School
16000 Maxwell Pl, Denver, CO 80239
Public
KG - 5
No
16:1 STUDENTS/TEACHERS
5/10
McMeen Elementary School
1000 S Holly St, Denver, CO 80246
Public
PK - 5
No
17:1 STUDENTS/TEACHERS
5/10
Trevista at Horace Mann
4130 Navajo St, Denver, CO 80211
Public
EE - 5
No
14:1 STUDENTS/TEACHERS
5/10
Eiber Elementary School
1385 Independence St, Lakewood, CO 80215
Public
KG - 6
No
14:1 STUDENTS/TEACHERS
5/10
Bryant Webster Dual Language ECE-8 School
3635 Quivas St, Denver, CO 80211
Public
PK - 8
No
19:1 STUDENTS/TEACHERS
5/10
Maxwell Elementary School
14390 Bolling Dr, Denver, CO 80239
Public
PK - 5
No
18:1 STUDENTS/TEACHERS
5/10
Traylor Academy
2900 S Ivan Way, Denver, CO 80227
Public
PK - 5
No
17:1 STUDENTS/TEACHERS
5/10
Smith Renaissance School
3590 Jasmine St, Denver, CO 80207
Public
PK - 5
No
15:1 STUDENTS/TEACHERS
5/10
Welby Community School
1200 E 78th Ave, Denver, CO 80229
Public
PK - 6
No
16:1 STUDENTS/TEACHERS
5/10
Omar D. Blair Charter School
4905 Cathay St, Denver, CO 80249
Public
KG - 8
No
18:1 STUDENTS/TEACHERS
5/10
Hutchinson Elementary School
12900 W Utah Ave, Lakewood, CO 80228
Public
KG - 6
No
19:1 STUDENTS/TEACHERS
5/10
Cowell Elementary School
4540 W 10th Ave, Denver, CO 80204
Public
PK - 5
No
16:1 STUDENTS/TEACHERS
5/10
Clayton Partnership School
8970 York St, Thornton, CO 80229
Public
KG - 8
No
18:1 STUDENTS/TEACHERS
5/10
Fairview Elementary School
2715 W 11th Ave, Denver, CO 80204
Public
PK - 5
No
12:1 STUDENTS/TEACHERS
5/10
Fairview Elementary School
7826 Fairview Ave, Denver, CO 80221
Public
PK - 5
No
16:1 STUDENTS/TEACHERS
5/10
Gust Elementary School
3440 W Yale Ave, Denver, CO 80219
Public
PK - 5
No
18:1 STUDENTS/TEACHERS
5/10
Slater Elementary School
8605 W 23rd Ave, Lakewood, CO 80215
Public
PK - 6
No
18:1 STUDENTS/TEACHERS
5/10
Belmar Elementary School
885 S Garrison St, Lakewood, CO 80226
Public
KG - 6
No
18:1 STUDENTS/TEACHERS
Name
Category
Grades
Library
Ratio
10/10
Denver School of the Arts
7111 Montview Blvd, Denver, CO 80220
Public
6 - 12
No
22:1 STUDENTS/TEACHERS
9/10
Hulstrom Options K-8 School
11551 Wyco Dr, Northglenn, CO 80233
Public
KG - 8
No
19:1 STUDENTS/TEACHERS
9/10
Slavens K-8 School
3000 S Clayton St, Denver, CO 80210
Public
KG - 8
No
18:1 STUDENTS/TEACHERS
9/10
McAuliffe International School
3480 Syracuse St, Denver, CO 80238
Public
6 - 8
No
17:1 STUDENTS/TEACHERS
8/10
Rocky Mtn School of Expeditionary Learning
1700 S Holly St, Denver, CO 80222
Public
KG - 12
No
13:1 STUDENTS/TEACHERS
8/10
Challenge School
9659 E Mississippi Ave, Denver, CO 80247
Public
PK - 8
No
18:1 STUDENTS/TEACHERS
8/10
D'Evelyn Junior/Senior High School
10359 W Nassau Ave, Denver, CO 80235
Public
7 - 12
No
21:1 STUDENTS/TEACHERS
8/10
William "Bill" Roberts
2100 Akron Way, Denver, CO 80238
Public
EE - 8
No
19:1 STUDENTS/TEACHERS
7/10
Pioneer Charter School
3230 E 38th Ave, Denver, CO 80205
Public
PK - 8
No
14:1 STUDENTS/TEACHERS
7/10
Highline Academy Charter School
2170 S Dahlia St, Denver, CO 80222
Public
KG - 8
No
15:1 STUDENTS/TEACHERS
7/10
Girls Athletic Leadership School
200 S University Blvd, Denver, CO 80209
Public
6 - 8
No
12:1 STUDENTS/TEACHERS
7/10
STEM Lab
11700 Irma Dr, Northglenn, CO 80233
Public
KG - 8
No
19:1 STUDENTS/TEACHERS
7/10
Denver Green School
6700 E Virginia Ave, Denver, CO 80224
Public
EE - 8
No
13:1 STUDENTS/TEACHERS
7/10
Dunstan Middle School
1855 S Wright St, Lakewood, CO 80228
Public
7 - 8
No
17:1 STUDENTS/TEACHERS
7/10
Skinner Middle School
3435 W 40th Ave, Denver, CO 80211
Public
6 - 8
No
18:1 STUDENTS/TEACHERS
7/10
Morey Middle School
840 E 14th Ave, Denver, CO 80218
Public
6 - 8
No
22:1 STUDENTS/TEACHERS
7/10
Merrill Middle School
1551 S Monroe St, Denver, CO 80210
Public
6 - 8
No
16:1 STUDENTS/TEACHERS
6/10
Odyssey Charter Elementary School
6550 E 21st Ave, Denver, CO 80207
Public
KG - 8
No
14:1 STUDENTS/TEACHERS
6/10
Westgate Charter
11700 Irma Dr, Northglenn, CO 80233
Public
KG - 10
No
15:1 STUDENTS/TEACHERS
6/10
Bear Creek K-8 School
9601 W Dartmouth Pl, Lakewood, CO 80227
Public
KG - 8
No
19:1 STUDENTS/TEACHERS
6/10
Carmody Middle School
2050 S Kipling St, Lakewood, CO 80227
Public
7 - 8
No
18:1 STUDENTS/TEACHERS
6/10
Hill Campus of Arts and Sciences
451 Clermont St, Denver, CO 80220
Public
6 - 8
No
17:1 STUDENTS/TEACHERS
6/10
Grant Beacon Middle School
1751 S Washington St, Denver, CO 80210
Public
6 - 8
No
16:1 STUDENTS/TEACHERS
6/10
Kipp Sunshine Peak Academy
375 S Tejon St, Denver, CO 80223
Public
5 - 8
No
15:1 STUDENTS/TEACHERS
5/10
Denver Center for International Studies
574 W 6th Ave, Denver, CO 80204
Public
6 - 12
No
21:1 STUDENTS/TEACHERS
5/10
Jefferson County Open Secondary School
7655 W 10th Ave, Lakewood, CO 80214
Public
7 - 12
No
13:1 STUDENTS/TEACHERS
5/10
Whittier ECE-8 School
2480 Downing St, Denver, CO 80205
Public
EE - 8
No
16:1 STUDENTS/TEACHERS
5/10
Kepner Middle School
911 S Hazel Ct, Denver, CO 80219
Public
8 - 8
No
16:1 STUDENTS/TEACHERS
5/10
Bryant Webster Dual Language ECE-8 School
3635 Quivas St, Denver, CO 80211
Public
PK - 8
No
19:1 STUDENTS/TEACHERS
5/10
Silver Hills Middle School
12400 Huron St, Denver, CO 80234
Public
6 - 8
No
19:1 STUDENTS/TEACHERS
5/10
Strive Prep - Federal
1825 S Federal Blvd, Denver, CO 80219
Public
6 - 8
No
13:1 STUDENTS/TEACHERS
5/10
Henry World School
3005 S Golden Way, Denver, CO 80227
Public
8 - 8
No
15:1 STUDENTS/TEACHERS
5/10
Omar D. Blair Charter School
4905 Cathay St, Denver, CO 80249
Public
KG - 8
No
18:1 STUDENTS/TEACHERS
5/10
Clayton Partnership School
8970 York St, Thornton, CO 80229
Public
KG - 8
No
18:1 STUDENTS/TEACHERS
5/10
Dora Moore ECE-8 School
846 Corona St, Denver, CO 80218
Public
EE - 8
No
18:1 STUDENTS/TEACHERS
Name
Category
Grades
Library
Ratio
10/10
Denver School of the Arts
7111 Montview Blvd, Denver, CO 80220
Public
6 - 12
No
22:1 STUDENTS/TEACHERS
9/10
Dsst: Stapleton High School
2000 Valentia St, Denver, CO 80238
Public
9 - 12
No
12:1 STUDENTS/TEACHERS
8/10
Rocky Mtn School of Expeditionary Learning
1700 S Holly St, Denver, CO 80222
Public
KG - 12
No
13:1 STUDENTS/TEACHERS
8/10
Dsst: Green Valley Ranch High School
4800 Telluride St # 4, Denver, CO 80249
Public
9 - 11
No
15:1 STUDENTS/TEACHERS
8/10
D'Evelyn Junior/Senior High School
10359 W Nassau Ave, Denver, CO 80235
Public
7 - 12
No
21:1 STUDENTS/TEACHERS
7/10
Green Mountain High School
13175 W Green Mountain Dr, Lakewood, CO 80228
Public
9 - 12
No
17:1 STUDENTS/TEACHERS
7/10
Lakewood High School
9700 W 8th Ave, Lakewood, CO 80215
Public
9 - 12
No
16:1 STUDENTS/TEACHERS
6/10
Kipp Denver Collegiate High School
451 S Tejon St, Denver, CO 80223
Public
9 - 12
No
13:1 STUDENTS/TEACHERS
6/10
Westgate Charter
11700 Irma Dr, Northglenn, CO 80233
Public
KG - 10
No
15:1 STUDENTS/TEACHERS
6/10
Bear Creek High School
9800 W Dartmouth Pl, Denver, CO 80227
Public
9 - 12
No
16:1 STUDENTS/TEACHERS
6/10
Thomas Jefferson High School
3950 S Holly St, Denver, CO 80237
Public
9 - 12
No
17:1 STUDENTS/TEACHERS
6/10
George Washington High School
655 S Monaco Pkwy, Denver, CO 80224
Public
9 - 12
No
18:1 STUDENTS/TEACHERS
6/10
Mountain Range High School
12500 Huron St, Denver, CO 80234
Public
9 - 12
No
21:1 STUDENTS/TEACHERS
6/10
East High School
1600 City Park Esplanade, Denver, CO 80206
Public
9 - 12
No
19:1 STUDENTS/TEACHERS
5/10
The Pinnacle Charter School High School
1001 W 84th Ave, Denver, CO 80260
Public
9 - 12
No
22:1 STUDENTS/TEACHERS
5/10
Southwest Early College
3001 S Federal Blvd, Denver, CO 80236
Public
9 - 12
No
22:1 STUDENTS/TEACHERS
5/10
Denver Center for International Studies
574 W 6th Ave, Denver, CO 80204
Public
6 - 12
No
21:1 STUDENTS/TEACHERS
5/10
Jefferson County Open Secondary School
7655 W 10th Ave, Lakewood, CO 80214
Public
7 - 12
No
13:1 STUDENTS/TEACHERS
5/10
South High School
1700 E Louisiana Ave, Denver, CO 80210
Public
9 - 12
No
18:1 STUDENTS/TEACHERS
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Demographics
Data provided by Attom Data
Population
Employment
Population
990.1K
990.1K in 2020
Density
4.4K
per square mile
Households
418.9K
27 With Children
Gender
49% / 51%
Men Vs Women
Occupancy
50% / 50%
Owned Vs Rented
Age Median: -- Years
No Data
Education Level
No Data
FAQs
To help you make informed decisions, we've compiled answers to some of the most commonly asked questions.
How much do I need for a down payment on a home?
The amount you need for a down payment depends on the type of loan and your financial situation. While 20% is a common benchmark, many buyers put down less—some conventional loans allow as little as 3%, and FHA loans require just 3.5%.
What's included in my monthly mortgage payment?
Your monthly mortgage payment typically includes principal, interest, property taxes, and homeowners insurance (often abbreviated as PITI). Depending on your loan, it may also include private mortgage insurance (PMI), homeowners association (HOA) fees, or other costs.
What is a 2-1 buydown, and how does it work?
A 2-1 buydown is a type of mortgage financing that temporarily lowers your interest rate for the first two years of the loan. In the first year, your rate is reduced by 2%, and in the second year, it's reduced by 1%. After that, your rate adjusts to the original agreed-upon rate for the remainder of the loan.
Who pays for the 2-1 buydown—the buyer, the seller, or the lender?
The cost of a 2-1 buydown can be paid by the buyer, seller, or lender, depending on the agreement. Often, sellers offer to pay for the buydown as an incentive to attract buyers, especially in a slower market. Buyers can also choose to pay for it themselves if they want lower initial payments.
What are closing costs, and how much should I expect to pay?
Closing costs are fees associated with finalizing your home purchase, including loan origination fees, title insurance, appraisal fees, and more. They typically range from 2% to 5% of the home's purchase price. Some costs may be negotiable, and in certain cases, sellers may agree to cover part of them.
How does my credit score affect my mortgage rate?
Your credit score plays a significant role in determining your mortgage rate. A higher score typically qualifies you for lower interest rates, which can save you thousands of dollars over the life of your loan. If your score is lower, you may still qualify for a loan, but at a higher rate.
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