Loan Type
JUMBO
LOANS
Premium financing for Colorado's luxury homes and high-value properties. When your dream home exceeds conforming loan limits.
Premium financing for Colorado's luxury homes and high-value properties. When your dream home exceeds conforming loan limits.
Jumbo loans exceed the conforming loan limit of $766,550 (2024) and are essential for purchasing luxury homes in Colorado's premium markets like Aspen, Vail, Cherry Creek, and Boulder.
Finance properties above $766,550 with no maximum loan amount. Perfect for Colorado's luxury real estate markets.
Despite the larger loan size, jumbo rates are often comparable to—and sometimes lower than—conforming loan rates for well-qualified borrowers.
Choose from various term lengths including 30-year, 15-year, and adjustable-rate options to match your financial strategy.
Finance primary residences, second homes, or investment properties with jumbo financing options.
Some jumbo programs offer interest-only payment periods for increased cash flow flexibility in the early years.
Avoid private mortgage insurance with a 20% down payment, keeping your monthly payments lower.
Jumbo loans have stricter requirements than conforming loans due to the larger loan amounts and increased lender risk.
Typically 700+ required, with 740+ recommended for the best rates. Higher scores significantly improve your rate and terms.
10-20% typical for primary residences. Some programs offer 10% down, while 20%+ gets the best rates and avoids PMI.
6-12 months of mortgage payments in liquid assets required. Larger loans may require more substantial reserves.
Generally 43% or lower required. Lower DTI ratios will qualify you for larger loan amounts.
Full documentation required including 2 years of tax returns, W-2s, bank statements, and asset verification.
When your dream home exceeds conforming loan limits, jumbo loans provide the financing power you need for Colorado's luxury real estate market.
Jumbo loans serve buyers in Colorado's premium real estate markets.
Purchasing high-end properties in Aspen, Vail, Cherry Creek, or Boulder's premium neighborhoods.
Professionals with strong income and assets who want to maximize their buying power.
Those purchasing ski-in/ski-out properties or mountain estates in Colorado's resort towns.
Investors purchasing high-value rental or investment properties.
Property under conforming limits? Explore other loan options.
Low down payment options with flexible credit requirements, ideal for first-time buyers.
Traditional financing with competitive rates, flexible terms, and no mortgage insurance with 20% down.
Zero down payment financing exclusively for eligible veterans, active military, and qualified spouses.
Zero down financing for eligible rural and suburban areas with income requirements.
Explore unique financing solutions.
Buy your next home before selling your current property with flexible short-term financing solutions.
Specialized financing for medical professionals with flexible debt ratios and no PMI options.
Build your dream home with one-time close construction-to-permanent financing solutions.
Finance both purchase and renovations with FHA 203k and Conventional HomeStyle programs.
Financing options for warrantable and non-warrantable condominiums in Colorado communities.
Alternative financing for self-employed borrowers using bank statements or asset-based qualification.
Investment property financing based on rental income without personal income verification.
Reduce your initial mortgage payments with 2-1 and 1-0 buydown programs for easier affordability.