For higher-priced homes
Financing beyond conforming limits
A jumbo loan is a mortgage for an amount above the conforming loan limit set each year by the Federal Housing Finance Agency. With home values in Denver, Boulder and Colorado’s mountain communities, many buyers need financing above that limit, and a jumbo loan lets you finance a higher-priced home with a single mortgage.
Jumbo guidelines and pricing vary widely from lender to lender. As a broker, we can shop several jumbo lenders at once to find terms that fit your goals.
Get Started
Is a jumbo loan right for you?
Here’s how it can help
Higher-priced homes
Jumbo loans are built for purchases or refinances above the conforming loan limit in your county.
Strong financial profile
Jumbo lenders typically look for solid credit, steady income and meaningful cash reserves.
Primary, second or investment homes
Jumbo financing may be available for a primary residence, a second home or, with some lenders, an investment property.
How it works with Luna Lending
Tell us your goals
Share what you are looking for and a little about your situation.
We shop multiple lenders
As an independent broker, we compare programs and pricing from multiple wholesale lenders.
Compare your options
We walk you through rates, costs and terms side by side, in plain language.
Close with confidence
We stay in touch from application to closing, with clear updates along the way.
Good to know
Questions we hear often
Fixed or adjustable
Jumbo loans are available with fixed rates and adjustable-rate options. We will compare both.
Documentation
Expect a more detailed review of income, assets and reserves than on many conforming loans.
Appraisals
Some jumbo loans require more than one appraisal, depending on the loan amount and lender.
Self-employed?
If traditional income documentation is a challenge, a Non-QM jumbo option may be worth exploring.
Get ready
Let Luna Lending guide you home
Talk with a local Denver mortgage broker about your options. No pressure, just clear answers.
Get StartedThis page is for general educational purposes only and is not a commitment to lend or an offer of credit. Loan approval, rates, terms and program availability depend on credit, income, assets, property type and underwriting review, and may change without notice. Luna Lending Inc. | NMLS #2032089 | 1900 Grant St. Ste 1150, Denver, CO 80203 | 720-594-6585 | Licensed in CA, CO, NC and NV. Equal Housing Opportunity.