Robert Castle
Colorado Jumbo Loan Broker
Financing Above $832,750 — Up to $3M+
50+ Lenders. Competitive Jumbo Rates Across Colorado.
Serving Denver · Boulder · Fort Collins · Vail · Aspen · All of Colorado Since 1997
Colorado Jumbo Loan Tiers & Requirements
Lender requirements tighten as loan amounts increase. Here's how the three tiers break down across Colorado — and what to expect at each level.
Most accessible jumbo tier. Widest lender pool and most competitive rates for Colorado buyers crossing the conforming limit.
- Down Payment10–15%
- Credit Score700+
- Reserves6–12 Months
- Lender PoolWidest
- Alt-DocAvailable
Most common tier in Colorado's luxury markets — Denver, Boulder, Castle Rock, Parker, and Vail corridor entry-level homes.
- Down Payment15–20%
- Credit Score720+
- Reserves12–18 Months
- Lender PoolStrong
- Alt-DocAvailable
Aspen, Vail, mountain resort properties, and Colorado's ultra-luxury market. Private banking relationships utilized.
- Down Payment20–30%
- Credit Score740+
- Reserves18–24 Months
- Lender PoolPortfolio
- Alt-DocAvailable
High-Cost County Exception: In Eagle (Vail), Pitkin (Aspen), and Garfield counties the 2026 conforming limit reaches $1,249,125. In Denver metro, Boulder, and Douglas County limits range from $862,500 to $883,200. Robert will confirm the exact threshold for your county.