Colorado jumbo loans · $1.25M+ focus
Financing for Colorado homes above the conforming limit
A jumbo loan is any mortgage above your county's conforming limit — $832,750 in most Colorado counties and up to $1,249,125 in Eagle County in 2026. We focus on loans of $1.25M and up in Vail, Aspen, Telluride, Boulder and Denver.
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Where jumbo starts in your county
Conforming limits are set each year by the FHFA and vary by county. These are the 2026 limits for a single-family home. Any loan amount above your county's figure is a jumbo loan.
- Most Colorado counties
- $832,750
- Denver metro (Denver, Adams, Arapahoe, Broomfield, Douglas, Jefferson and others)
- $862,500
- Boulder County
- $879,750
- Summit County (Breckenridge, Keystone)
- $1,092,500
- Pitkin County (Aspen)
- $1,209,750
- Eagle County (Vail, Beaver Creek)
- $1,249,125
Jumbo loan options
Fixed, adjustable and interest-only structures, for primary homes, second homes and refinances.
Jumbo fixed-rate
Jumbo ARM
Interest-only
Super jumbo
Second-home jumbo
Jumbo cash-out refinance
Typical jumbo requirements
Every jumbo investor sets its own guidelines, and they tighten as the loan amount grows. If you don't fit one, another may work — that's where comparing investors helps.
- Credit score
- Usually 700+. Higher scores generally get better pricing.
- Down payment
- Typically 10–20%, depending on loan amount and property type
- Debt-to-income
- Generally around 43% or lower
- Cash reserves
- Often 6–12 months of payments
- Documentation
- Full income and asset documentation
Jumbo loan questions
A jumbo loan is any mortgage above the conforming loan limit for the county. For 2026, the conforming limit is $832,750 in most Colorado counties and higher in high-cost counties: $862,500 in the Denver metro, $879,750 in Boulder, $1,092,500 in Summit and up to $1,249,125 in Eagle County. Loans above your county's limit are jumbo loans.
Requirements vary by lender and loan amount. Typical guidelines include a credit score of 700 or higher, a debt-to-income ratio around 43% or lower, 10–20% down, 6–12 months of payments in reserves, and full documentation of income and assets.
Jumbo rates change daily and depend on the loan amount, down payment, credit and property type. Jumbo pricing is sometimes close to conforming pricing for strong borrowers, but not always. Call (303) 549-5277 for a current quote.
Yes. We finance jumbo second homes in mountain communities such as Vail, Aspen, Telluride and Breckenridge. Second-home jumbo loans often need a larger down payment and more reserves than a primary residence, and the home must be for your own use part of the year rather than a full-time rental.
There's no single cap. Each jumbo investor sets its own maximum, and loans above about $2 million (often called super jumbo) usually need more down and more reserves. Tell us the price range you're considering and we'll show you which programs fit.
Yes, interest-only jumbo options are available for qualified borrowers through some investors. They can help with cash flow, but the payment rises when the interest-only period ends. We'll walk through the full payment schedule before you decide.
Find out what you qualify for on a jumbo loan
Start a pre-approval online, or call Andrew to talk through loan size, down payment and structure.