Jumbo Loans
When a purchase price pushes past conforming loan limits, you’re in jumbo territory — where guidelines get more particular about credit, reserves, and documentation. This is where having a lender who has structured files since 2003 genuinely changes outcomes.
Is this you?
- Buyers purchasing above conforming loan limits
- Move-up buyers in Castle Pines, Monument, the Broadmoor area, Cherry Hills and the Denver south metro
- Borrowers with complex income (self-employed, RSUs, bonuses)
- Buyers who want their file structured right the first time
Scott · Loan OfficerQuestions friends actually ask
What makes a loan “jumbo”?
Any loan above the conforming limits set annually by the FHFA for your county. Above that line, loans aren’t eligible for purchase by Fannie Mae or Freddie Mac, so lender guidelines — credit, reserves, documentation — get more specific.
Are jumbo rates higher than conventional rates?
Not necessarily — jumbo pricing is often competitive with, and sometimes better than, conforming pricing depending on the market and your profile. The real difference is qualification structure, not just rate.
How should self-employed buyers prepare for a jumbo loan?
Start early. Underwriters analyze two years of returns, business trends, and reserves. Scott reviews your documentation up front and structures the file the way underwriting will read it, which is how you avoid mid-process surprises.
Keep exploring
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →Not sure yet?
That is literally what Scott is for. One conversation, all your options side by side, zero pressure to move forward.
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