Jumbo Loans
in Colorado

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If you are shopping for a larger home or one in an expensive neighborhood, you may require more financing than you can qualify for through conventional financing. If that is your situation, Front Range Mortgage can help match you with a competitive non-conforming loan, also known as a “jumbo” loan.


What Are Jumbo Loans?

A conventional loan is one which Fannie Mae and Freddie Mac are able to purchase within their conforming loan limits.
If a loan exceeds those limits, it is referred to as a non-conforming loan, or “Jumbo” loan.

Do You Need a Jumbo Loan in Colorado?

To determine whether you need a jumbo loan or a conventional loan, you must look up the conforming loan limits for your county. Below are some examples.

Here are the conforming loan
limits in El Paso County:

1 Unit: $484,350

2 Units: $620,200

3 Units: $749,650

4 Units: $931,600

These are the conforming loan
limits for Denver County:

1 Unit: $561,200

2 Units: $718,450

3 Units: $868,400

4 Units: $1,079,250

Here are the conforming loan
limits for Boulder County:

1 Unit: $626,750

2 Units: $802,350

3 Units: $969,850

4 Units: $1,205,300


If you do not know the conforming loan limits for your county, we can advise you during your free consultation if you need a jumbo loan or not.

Colorado Jumbo Loan Eligibility

To be eligible for a jumbo loan, you will need:

A higher credit score than you would for a conventional loan.

A lower DTI ratio than you would for a conventional loan.

Steady employment which you can document.

The home you are buying must pass two appraisals (typically).

Money for a down payment (which may or may not exceed what you would put down on a conventional loan).

The home you will be purchasing.

Will you need to have more money to afford higher interest rates over the years you pay on your jumbo loan?

Not necessarily. It depends on your qualifications and the offers which are made to you. In some cases, interest rates for non-conforming loans are within the same range that they would be for conventional loans.

As a small local mortgage company, not a big bank, we will work hard to qualify you for an affordable jumbo loan with great benefits. We are Colorado Local, Colorado Only, Colorado Proud.

What Our Clients Are Saying

Clemente Galang
Clemente Galang
01:32 01 Feb 21
They were there when I needed them the most.
Mark Thompson
Mark Thompson
17:13 25 Jan 21
Dominic Lupori
Dominic Lupori
15:59 25 Jan 21
great people, super fast, pleasant experience
John B
John B
01:51 23 Jan 21
Matthew Hayden
Matthew Hayden
01:10 23 Jan 21
I have used Front Range Mortgage for several VA mortgage refinances. Each time they provide detailed comparisons of my options. The customer service is second to none and closing is a breeze!... Victoria and Ryan had my loan closed and funded in less than 10 days!read more
rlrpjr1914
rlrpjr1914
23:40 22 Jan 21
Derek De Poy
Derek De Poy
23:39 22 Jan 21
Wiley Long
Wiley Long
00:14 16 Apr 20
Brian is the utmost professional. If you want no-hassle fast service and someone who will work in your interests, this is the place.
Mike Searls
Mike Searls
13:39 31 Mar 20
Front Range Mortgage does an amazing job - an advocate for their clients. The entire team is first rate and they really care. I highly recommend.
Kurt Rhea
Kurt Rhea
21:29 30 Mar 20
I know Brian personally - his work ethic and passion for helping people is above reproach and I am proud to be associated with him. - Kurt

Apply for a Jumbo Loan in Colorado Now

Qualifying for a jumbo loan does not need to be difficult. At Front Range Mortgage, our goal is to help you qualify fast for competitive rates on your non-conforming loan so that you can move into the home you want. To get started Click below or call (303) 500-1900 in Denver.


Get Pre-Approved in 5-Minutes!