Purchase
Jumbo Loans
Financing above conforming loan limits for higher-priced Northern Colorado homes.
What it is
A jumbo loan is for loan amounts above the conforming limit set each year. They help with higher price points in Fort Collins, Timnath and Estes Park.
Who it's great for
- Luxury and higher-priced homes
- Mountain properties
- Buyers with strong credit and reserves
Key features
- Loan amounts above conforming limits
- Fixed and adjustable options
- Primary and second homes
General requirements
- Higher credit scores are typical
- Larger down payment, often 10-20%
- Cash reserves
- Full income documentation
General guidelines only. Every loan is subject to credit approval, underwriting and property review. Not a commitment to lend.
Common Questions
What is the conforming limit?
It's updated every year. I'll tell you the current number for your county.
Are jumbo rates higher?
Not always. It depends on the market and your profile.
Can I put less than 20% down?
Some jumbo programs allow it. Let's look at your options.
Do you need two appraisals?
Sometimes, on larger loan amounts.
Is a Jumbo Loan Right for You?
Let's talk about your situation. Honest answers, no pressure.
NMLS #172296 | Licensed in Colorado