How much down payment does a Boulder home require?

Jumbo loans often start around ten percent down, with better pricing at twenty percent or more. Conventional conforming loans run three percent down at the low end, and VA financing allows zero down for eligible buyers within their entitlement.

Can RSU income be used to qualify?

Often, yes, depending on the vesting history and the employer. Rules vary by lender, which is exactly why we shop the file: we place equity compensated borrowers with the wholesale banks that underwrite it cleanly.

What makes a loan jumbo in Boulder?

Any loan amount above the conforming limit, which sits around 806,500 dollars in most Colorado counties. In much of Boulder County that describes an ordinary house, so jumbo financing is normal here rather than exotic.

Is jumbo pricing worse than conforming?

Not necessarily. Jumbo pricing varies widely between banks, and wholesale lenders often compete hard for well qualified jumbo files. We bring you the best of the offers we gather rather than one bank's sheet.

Areas we serve

Boulder mortgage broker for high balance loans

Boulder County prices push most loans past conforming limits, and jumbo lending is where a broker's shopping shows its value most.

A homeowner carrying a ladder across a Boulder front yard with the Flatirons rising behind the neighborhood

Between the Flatirons and the county line, Boulder prices run well past the conforming loan limit in most neighborhoods. That makes the structure and pricing of your jumbo mortgage worth real money, which is exactly what shopping the file across wholesale banks is for.

Jumbo and high balance lending

Conventional conforming loans cap around 806,500 dollars in most Colorado counties. Above that sits the jumbo world, where guidelines, pricing, and down payment expectations vary far more from bank to bank. We work with jumbo lenders that go to three million with a single lien, offer interest only structures where they fit, and consider asset based income.

Tech income, RSUs, and bonuses

A large share of Boulder's buyers earn equity compensation on top of salary. Underwriters treat restricted stock units, bonuses, and vesting schedules with specific rules, and those rules differ by lender. Because we see which wholesale banks handle equity income smoothly, we route the file where it will be understood rather than mangled.

Boulder County beyond Boulder

Louisville, Lafayette, Longmont, Superior, Erie, and Nederland each run their own micro market. Conventional loans cover the conforming end, and first-time buyer programs apply in the county as anywhere, subject to income and purchase price limits.

Second homes and moves

Boulder clients often add a mountain property or relocate for a role change. Second home and investment financing carry their own pricing structures, and we price those alongside your primary residence plans.

What Boulder buyers ask us

Questions about your own numbers?

Call or text 720-386-4071, or start the application and we will follow up the same day. The conversation is free, and the math is yours to keep.

Get Pre-Approved Call or text 720-386-4071