(720) 605-9327See my optionsColorado jumbo loans · Local guidance, personal comparisons
Your jumbo loan. Your choice: 10%, 15% or 20% down.
Explore jumbo options with 10%, 15% or 20% down. Keep more cash available—or see whether putting more down could improve your pricing. Compare fixed-rate and adjustable-rate options with guidance backed by mortgage comparison software. Options are subject to qualification; rates and terms vary by program and down payment.
What we’ll help you evaluate
Look beyond the advertised rate. See what your loan really costs.
- Explore lower-down-payment options that could leave more cash available after closing.
- See whether putting more down could improve your rate and monthly payment.
- Compare discount points and lender fees alongside the interest rate.
- Understand cash to close, reserve requirements and qualification before moving forward.
Your cash. Your priorities.
10%, 15% or 20% down: which works harder for you?
A smaller down payment may help preserve money for reserves, renovations or other priorities. A larger down payment may unlock better pricing. The useful question is: what do you gain, and what does it cost?
10% down: keep more cash available
Explore a smaller upfront down payment and preserve more cash for other priorities. We’ll review eligibility, reserves and the rate and costs for this option.
15% down: compare the middle ground
See whether putting more down improves your available pricing while keeping more cash available than a 20% down payment.
20% down: explore the pricing advantage
Ask us to compare the pricing available with a larger down payment. We’ll show you whether the potential savings justify putting more cash into the home.
Availability depends on loan amount, credit, income, reserves, occupancy and property eligibility. A larger down payment does not guarantee a lower rate. Request a personalized comparison of current terms.
Experience. Perspective. Clear comparisons.
A bigger mortgage deserves a broader financial perspective.
Owner Matt Nockels has worked in mortgages since 2003 and brings a background as a former financial planner. That experience shapes the questions we ask: how much cash do you want to keep available, what payment fits comfortably, and how long do you expect to keep the loan?
We use mortgage comparison software to help you see your options side by side. Together, we’ll review the down payment, monthly payment, points and closing costs, and discuss how the tradeoffs fit your broader financial goals. You get clear numbers and a personal conversation to help you make an informed decision.
Another option worth comparing
Could a 7-year jumbo ARM fit your plans?
A jumbo adjustable-rate mortgage may offer a lower initial rate than a fixed-rate option. Ask us to compare a 7-year ARM alongside available fixed-rate loans so you can weigh the initial payment and upfront costs against the certainty of a fixed interest rate.
With a 7-year ARM, the initial interest rate is fixed for seven years. After that, the rate and payment can change. We’ll explain the adjustment schedule and rate caps, and help you consider what happens if you keep the loan longer than planned. A future refinance is not guaranteed.
ARM availability, down-payment requirements and pricing vary by program and borrower qualifications. Request current terms for your scenario.
Already talking to a bank?
Before you lock, give your jumbo quote a second look.
A rate can look lower because you’re paying more in discount points. Another option may preserve more cash at closing. Bring us your Loan Estimate or written quote, and we’ll help you see the differences clearly.
Denver Lending is a Colorado mortgage broker. You’ll get a local team that can compare available lending sources and explain how the options fit your plans.
No obligation to proceed. Your comparison depends on current pricing and your financial profile.
A straightforward process
- 1
Tell us what you’re planning
Share your purchase price or loan amount, estimated down payment and timeline. You don’t need to have every detail figured out.
- 2
Compare the numbers that matter
We use mortgage comparison software to help you compare available options side by side, then explain the rate, points, payment, cash to close and reserves for your scenario.
- 3
Choose your next step with confidence
Decide which tradeoff fits your goals. If you’re ready to proceed, we’ll explain the documentation and approval process.
Common questions
Useful answers before you begin.
Do I have to make a large down payment to get a jumbo loan?+
We offer jumbo options with 10%, 15% and 20% down for qualified borrowers. Not every option is available for every loan or property. Your loan amount, credit, income, reserves and property affect eligibility. Ask us to compare the current options for your situation.
Will putting more down get me a better rate?+
It may. A larger down payment can change the programs and pricing available, but it does not guarantee a lower rate. We’ll help you weigh any pricing benefit against the additional cash you would put into the home.
Can I compare a 7-year jumbo ARM with a fixed-rate loan?+
Yes. Ask us to compare available 7-year jumbo ARM and fixed-rate options for your scenario. A 7-year ARM has an initial interest rate fixed for seven years; afterward, its rate and payment can change. We’ll review the adjustment schedule, index, margin and rate caps, along with upfront costs and your expected timeline. Availability depends on the program and your qualifications.
I already have a quote. Can you compare it?+
Yes. Have your Loan Estimate or written quote ready for your conversation. We’ll review the loan type, rate, points, lender fees and lock assumptions so the comparison is meaningful.
What makes a mortgage a jumbo loan?+
A loan is generally considered jumbo when it exceeds the applicable conforming loan limit. The relevant limit depends on the property location, number of units and year. We’ll help determine which loan category applies.
Am I committing to a loan by requesting a comparison?+
No. The initial inquiry helps us prepare for a conversation. It is not a loan approval, rate lock or commitment to borrow. Program availability and qualification are subject to review.
Colorado mortgage context
Plan for the whole transaction—not just an advertised rate.
Colorado buyers and homeowners can face meaningful differences in property taxes, homeowners insurance, HOA obligations, appraisal considerations, and cash needed at closing. Denver-area condos, mountain properties, rural homes, and higher-priced properties may also require different documentation or loan-program review.
We start with the complete monthly housing payment and the expected time you may keep the loan. That makes it easier to compare interest rate, lender costs, mortgage insurance, down payment, reserves, and long-term interest without letting one number dominate the decision.
Program availability and qualification depend on current guidelines, the property, and your financial profile. A consultation with Denver Lending is educational and does not obligate you to apply.