Jumbo loans in Colorado — built for the mountains and the metros.
Telluride. Aspen. Vail. Boulder. Denver luxury. We shop portfolio jumbo, super-jumbo, and asset-based lenders so you don't end up at the bank's only rate.
Colorado markets where jumbo is the default
Telluride
Almost every Telluride transaction is jumbo. Strong second-home and STR investor demand.
Aspen
Super-jumbo and portfolio territory. Asset-depletion and pledged-asset loans are common above $3M.
Vail
Second-home jumbo dominates. DSCR jumbo for STR investors is increasingly active.
Boulder
Most Boulder purchases exceed the conforming limit — high-balance conforming or true jumbo.
Denver (Cherry Creek, Wash Park, LoHi)
Luxury Denver neighborhoods regularly require jumbo, especially for SFR and luxury condos.
Steamboat, Crested Butte, Breckenridge
High-balance conforming + jumbo combos are standard in Colorado ski markets.
Jumbo features we offer
- Loan amounts to $3M with 10% down on second homes (qualifying scenarios)
- Super-jumbo and portfolio options to $10M+ for primary and second homes
- Asset-based / asset-depletion qualifying — no W-2 required
- Pledged-asset and securities-backed lines for high-net-worth buyers
- Interest-only ARM options on jumbo (5/6, 7/6, 10/6)
- DSCR jumbo for short-term rental investors in Vail, Telluride, and Breckenridge
High-balance conforming vs. true jumbo
In Colorado's high-cost counties (Eagle, Pitkin, San Miguel, Summit, Routt, Garfield, Boulder, etc.), loans between $806,500 and $1,209,750 qualify for high-balance conforming pricing — typically 0.25–0.5% below true jumbo. We always price both before recommending a structure. If you're in this range, the savings over the life of the loan can be meaningful.
Colorado jumbo loan FAQs
What counts as a jumbo loan in Colorado for 2026?+
Anything above the local conforming limit. In standard CO counties that's above $806,500. In high-cost mountain counties (Eagle, Pitkin, San Miguel, Summit, Routt, Garfield, Boulder, etc.) the conforming/high-balance limit goes up to $1,209,750 for 2026 — anything above that is true jumbo.
What's a high-balance conforming loan and why does it matter?+
High-balance conforming is Fannie/Freddie financing for loan amounts between the standard conforming limit and the local high-cost limit. It usually prices 0.25–0.5% better than true jumbo, which is a real advantage in CO mountain towns. We always check high-balance pricing before quoting jumbo.
How much do I need to put down for a jumbo loan?+
10% down is achievable on primary residences up to ~$1.5M with strong credit. Most jumbo loans are 20–25% down. Super-jumbo above $3M often requires 25–35% down depending on property type and investor.
Are jumbo rates higher than conforming?+
Usually 0.125–0.5% higher than conforming, but it depends. Portfolio lenders often beat the big banks on jumbo — especially for self-employed borrowers and asset-based scenarios. We shop across portfolio jumbo investors to find the right fit.
Can I get a jumbo second-home loan in a CO resort town?+
Yes — second-home jumbo is one of our highest-volume programs in Telluride, Vail, Aspen, Steamboat, Breckenridge, and Crested Butte. Most lenders price second-home jumbo about 0.25–0.375% above primary.
What about DSCR jumbo for short-term rentals?+
We have DSCR investor programs that qualify a Vail, Telluride, or Breckenridge STR purchase on the rental income — not your W-2 or tax returns. Useful when your tax returns don't fully reflect your purchasing power.
Get a real jumbo quote in Colorado
We'll price portfolio jumbo, super-jumbo, and asset-based options for your scenario.