Jumbo refinancing is the standard refi path for Colorado mountain-resort owners and high-value Front Range borrowers. Any loan balance above the county conforming limit is jumbo. That includes essentially any six-figure balance in Aspen, Vail, Telluride, Breckenridge, Snowmass, and Beaver Creek, and most Boulder, Cherry Creek, and Golden neighborhoods.
Where jumbo refinance is common in Colorado
- Pitkin County (Aspen, Snowmass) — conforming limit $1,209,750
- Eagle County (Vail, Beaver Creek, Edwards) — $1,209,750
- Summit County (Breckenridge, Frisco, Silverthorne, Keystone) — $1,092,500
- San Miguel County (Telluride, Mountain Village) — $1,209,750
- Routt County (Steamboat Springs) — $1,092,500
- Boulder County — $856,750
- Denver, Jefferson, Douglas, Arapahoe counties — $806,500 conforming, jumbo above
See Colorado loan limits for the full county table.
Jumbo refinance terms
- LTV: up to 80–90% rate-and-term, up to 70–80% cash-out
- Loan amount: up to $5M standard, higher on select portfolio programs
- FICO: 720+ typical, 680+ available on select programs
- Reserves: 6–12 months PITIA typical, more for larger loans and investment properties
- Property types: primary residence, second home, and investment property
- Debt-to-income: typically capped at 43%, up to 50% on select programs
Second-home and investment-property jumbo
Second-home jumbo refinance is common in mountain-resort markets. Investment-property jumbo is available but requires more reserves and higher rates than primary residence.
FAQs
What counts as a jumbo refinance in Colorado?
Any loan balance above the county conforming limit is jumbo. Eagle, Pitkin, Summit, San Miguel, and Routt counties all have 2026 conforming limits above $1M. In Denver County and most Front Range counties, jumbo starts above $806,500.
What LTV is available on a Colorado jumbo refinance?
Rate-and-term jumbo refis typically go up to 80–90% LTV depending on FICO and loan size. Jumbo cash-out is more conservative — usually capped at 70–80% LTV.
What credit score do I need for jumbo refinance?
Most jumbo programs require 720+ FICO. Some allow 680+ with reduced LTV. Below 680 is typically only available through non-QM jumbo programs.
How many months of reserves do jumbo refinances require?
Reserves typically run 6–12 months of PITIA (principal, interest, taxes, insurance, HOA). Larger loan amounts and investment properties require higher reserves.
Related: Jumbo loans Colorado · Refinance Colorado hub · Colorado loan limits · Cash-out refinance Colorado