Home loans for Colorado's mountain and luxury homes

We specialize in jumbo loans, mountain property financing, construction loans, and investment property lending across Colorado's premier communities — Vail, Telluride, Aspen, Boulder, and Breckenridge. We also offer conventional, FHA, and VA loans for a full range of buyers.

Pre-approval is often ready within a day or two once we have your documents. Many purchases close in 30–45 days; some close in as few as 21 with a complete file.

We focus on high-value mountain homes: appraisals with few comparable sales, seasonal access, well and septic, and jumbo underwriting that general lenders often miss.

Rates change daily and depend on your credit, down payment, loan size and property. Call or start a pre-approval for a current quote, and we'll help you decide when to lock.

Absolutely — it's our core expertise. We understand the unique challenges of mountain real estate including seasonal access, well and septic systems, elevation factors, and vacation rental properties. We offer specialized loan products designed for these high-value properties.

Jumbo loans are loans above your county's conforming limit ($832,750 in most Colorado counties for 2026). We focus on jumbo loans of $1.25M+. Requirements vary by lender and typically include a 700+ credit score, 10–20% down and cash reserves.

Yes. We finance second homes, ski properties, and investment properties throughout Colorado's mountain communities. Whether it's a Vail ski home or a Breckenridge rental property, we have specialized programs for these property types.

For a $1 million mortgage at 6.5% interest, you'd need approximately $250,000-$280,000 in gross annual income depending on your other debts, down payment, and assets. Jumbo loan qualification also considers liquid reserves — typically 6-12 months of payments. Contact us for a personalized analysis.