Fort Collins Colorado Jumbo Mortgage Home Loan Guide For Home Buyers

Mortgage and Lending with NMLS #384936 NMLS #384936

Fort Collins Colorado Jumbo Home Loan Guide To Obtaining Your Jumbo Mortgage

Ft. Collins Colorado Jumbo loans are any loans over $417,000. With jumbo loans in Colorado you typically have to put down 20% or more. Home Buyers for Ft. Collins Real Estate Jumbo loans option include 30 and 15 year fixed or 3, 5, 7 year ARMS. Jumbo loans start over $417,000, but can go up to the multi-million dollar range. As the loan amount goes up, the percentage you have to put down goes up. These Ft. Collins Colorado loans often require the borrower to have high credit scores and plenty of reserves. The borrower also has to be willing to help us document their income. The stated income options of yesterday are long gone. If you are a business owner, you will now have to provide tax returns to prove income.

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What Are the Requirements for a Jumbo Loan?

Colorado Jumbo mortgages often require a higher down payment of 20% or more for their loans.
You typically need a 20% to 25% down payment on private jumbo loans, and mortgages over $1 million can require up to 30% for a down payment.
In order to qualify for a jumbo mortgage, you have to have a low debt-to-income ratio (DTI) that allows you to comfortably to pay the principal, interest, taxes and insurance each month. The DTI compares your monthly debt obligations to your pre-tax income.  As a rule, the monthly mortgage payment on a jumbo loan should not exceed 45% of your pre-tax income. You will also need to present proof of income and document two years of income history when applying for a jumbo loan.

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Kevin Guttman
Sr Mortgage Banker
Top Colorado Home Loan Originator
Colorado Springs, CO  80920













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