Jumbo Non-QM Loans in Denver, Colorado

In Denver County, the 2026 conforming loan limit for a one-unit property is $862,500. A mortgage larger than this figure is treated as a jumbo loan.

The full 2026 limits for Denver County appear below. Arapahoe, Jefferson, Adams, and Broomfield counties share the same figures.

• Single-unit property: $862,500

• Two-unit property: $1,104,150

• Three-unit property: $1,334,700

• Four-unit property: $1,658,700

Home prices in Cherry Creek, Cherry Hills Village, Greenwood Village, and Evergreen regularly exceed these limits, so a jumbo mortgage is the usual financing for these purchases.

Loan amounts of several million dollars are available to well-qualified Denver borrowers. The lender weighs credit score, loan-to-value ratio, and reserves when it sets the maximum. Self-employed buyers have access to jumbo bank statement loans of up to $7M, and stronger files generally earn lower rates.

No. Borrowers with a score of 750 or above receive the best jumbo pricing. A somewhat lower score may still be approved when the file includes a larger down payment or significant liquid assets.

Yes. Denver borrowers in this position use Jumbo Non-QM programs, mainly bank statement loans and asset depletion loans. Entrepreneurs, consultants, and retirees buying in Cherry Creek or Greenwood Village may qualify with no W-2s and no traditional tax returns. The choice between an asset depletion loan and a bank statement loan depends on whether deposits or account balances are the stronger part of the file.

Jumbo lenders accept single-family homes, townhomes, 2–4 unit properties, and both warrantable and non-warrantable condos. We arrange jumbo financing for a Country Club estate, a Hilltop home, a Cherry Creek North condo, or a foothills property in Genesee. Mountain homes on larger lots in Evergreen and Conifer are eligible as well, subject to the lender's review of acreage and access.

Jumbo rates in the Denver metro area are frequently in line with conventional rates and at times fall below them. Lenders price aggressively for strong jumbo borrowers in established areas such as Cherry Hills Village and Washington Park.

It may be, and the answer turns on how long you will own the home. With a 5/1 or 7/1 jumbo ARM, the rate is fixed for the first five or seven years and often starts below a 30-year fixed. The lower early payment can be meaningful on a Cherry Creek or Greenwood Village purchase. Executives who expect a transfer and buyers who plan to refinance are common candidates. Each borrower should weigh how an ARM performs when a sale is planned before choosing a term.

Maximum loan-to-value is commonly near 80% on a primary home and lower on very large loans, and lenders also review credit, reserves, and the appraisal. Owners in Hilltop, Bonnie Brae, and Cherry Hills Village can draw on their equity with a jumbo cash-out refinance. A larger jumbo loan pays off the current mortgage, and the owner receives the balance in cash. Denver homeowners with VA entitlement may be able to borrow against more of the home's value through a VA cash-out refinance or a VA jumbo cash-out refinance. Both VA loans come without monthly mortgage insurance.

Eligible veterans and active-duty service members, including personnel stationed at Buckley Space Force Base in Aurora, may be able to use a VA loan above the conventional limit. Qualified borrowers may buy a higher-priced home with $0 down and no monthly PMI. With full entitlement, VA jumbo loans are not capped at the county loan limit.

Yes. A jumbo refinance may lower the rate, move the loan from an ARM to a fixed term, or convert equity in a high-value home to cash. Denver and Arapahoe County owners often refinance after a rate decline or to consolidate other debt.

One bank's denial usually says more about its own overlays than about the borrower's qualifications. Wholesale jumbo lenders differ in how they count bonus income, RSUs, business income, and large asset balances. As a broker, we can send the same file to a lender with guidelines that suit it. Buyers already under contract still have several paths forward after a jumbo loan denial.

Jumbo lenders in the Denver metro area generally require 10% to 20% down on a primary residence. Borrowers with the strongest credit and reserves receive the lowest down payment options, while second homes and investment properties usually need more. Lenders give the reserves left after closing as much weight as the down payment. Credit, occupancy, and loan size determine jumbo and Non-QM mortgage down payments under each program.