A smiling mortgage lender lakewood denver colorado in a business suit, offering expert advice on mortgage loans.

  Rob’s Mortgage Loans

Jumbo Loans Denver, Colorado

Welcome to Rob’s Mortgage Loans, your trusted source for comprehensive mortgage solutions in Colorado. At Rob’s Mortgage Loans, we are committed to providing exceptional service and tailored financial solutions to meet your home financing needs. With our expertise and dedication to client satisfaction, we strive to make your home-buying experience smooth and rewarding.

Rob’s Mortgage Loans offers specialized jumbo loan services tailored to meet the needs of homebuyers looking to finance high-value properties in Colorado. Our service is designed to provide flexible financing options for luxury homes and properties that exceed the conventional loan limits. With competitive rates and personalized guidance, we aim to help you secure the financing you need to make your dream home a reality.

the process of a mortgage lender lakewood

What is a Jumbo Loan?

It is a type of mortgage loan that exceeds the conforming loan limits set by government-sponsored enterprises like Fannie Mae and Freddie Mac. They are typically used to finance high-value properties that exceed the standard loan limits, allowing borrowers to purchase luxury homes or properties in high-cost areas.

How Do They Work?

They function similarly to traditional mortgages but with higher loan amounts and different underwriting requirements. Borrowers seeking jumbo loans may need to meet stringent eligibility criteria, provide larger down payments, and demonstrate strong creditworthiness. These types of loans often come with competitive interest rates and flexible terms to accommodate the unique needs of high-value properties.


Benefits for Homebuyers

Jumbo loans offer several benefits for homebuyers, including:

  • Financing for High-Value Properties:
    They allow borrowers to finance properties that exceed the conventional loan limits, providing flexibility and options in the luxury real estate market.
  • Competitive Interest Rates:
    Despite their larger loan amounts, they often come with competitive interest rates, making them an attractive financing option for qualified borrowers.
  • Customized Financing Solutions:
    Borrowers have the flexibility to choose from various loan programs and terms to suit their financial goals and preferences.
  • Fixed-Rate and Adjustable-Rate Options:
    Borrowers can choose between fixed-rate and adjustable-rate, depending on their preference for stability or flexibility in interest rates.
  • Loan Term Flexibility:
    They typically offer flexible loan terms, ranging from 15 to 30 years, allowing borrowers to customize their repayment schedule.
  • Financing for Primary Residences, Second Homes, and Investment Properties:
    They can be used to finance primary residences, second homes, and investment properties, providing versatility in property types.
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Options in Colorado

Traditional Jumbo Loans:

    They are designed for homebuyers seeking financing for properties that exceed the conforming loan limits set by government-sponsored enterprises. These loans typically offer competitive interest rates and terms, making them suitable for purchasing high-value homes.

Super Jumbo Loans:
They are a specialized subset that cater to borrowers seeking exceptionally large loan amounts. These loans are ideal for financing luxury properties with high price tags that exceed even the standard loan limits. They offer flexibility and customization to meet the unique needs of affluent homebuyers.

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Eligibility Criteria

The eligibility criteria may vary depending on the lender and specific loan program. However, common eligibility requirements may include:

  • Strong Credit Score
    Lenders typically require a high credit score to qualify, often above 700.
  • Sizeable Down Payment
    Borrowers may need to provide a larger down payment, typically ranging from 10% to 20% of the purchase price.
  • Stable Income and Employment
    Lenders assess borrowers’ income and employment history to ensure they have the financial capacity to repay the loan.
  • Low Debt-to-Income Ratio
    Lenders may require a low debt-to-income ratio to ensure borrowers can manage their monthly mortgage payments along with other debts.

The Process

A. Initial Consultation and Financial Assessment:

The process begins with an initial consultation with our experienced mortgage professionals. During this consultation, we conduct a comprehensive financial assessment to evaluate your eligibility, discuss your financial goals, and determine the most suitable loan options for your needs.

B. Quote and Program Selection:

After assessing your financial profile, we provide you with personalized quotes and present various programs tailored to your requirements. We discuss the features, terms, and benefits of each program to help you make an informed decision.

C. Application and Underwriting Process:

Once you’ve selected a program, we guide you through the application and underwriting process. Our team assists you in completing the necessary paperwork, gathering required documentation, and submitting your application for approval.

D. Closing and Disbursement of Funds:

Upon loan approval, we coordinate the closing process and facilitate the disbursement of funds. We ensure a seamless closing experience and provide ongoing support to address any questions or concerns you may have.

Why Choose Rob’s Mortgage Loans?

30 Years Experience

With over 30 years of experience and a proven track record, Rob’s Mortgage Loans stands as a trusted leader in the Colorado mortgage industry. Our team of mortgage professionals possesses extensive expertise, allowing us to provide unparalleled guidance and support throughout the entire loan process. We leverage our in-depth knowledge of the local market and industry trends to offer tailored solutions that meet your unique needs and goals.

Personalized Service and Client Satisfaction
At Rob’s Mortgage Loans, we prioritize your satisfaction and strive to exceed your expectations at every step of the jumbo loan process. We understand that each borrower has unique financial circumstances and goals, which is why we offer personalized service to address your specific needs. From the initial consultation to the closing of your loan, our dedicated team is committed to delivering exceptional service and ensuring a smooth and stress-free experience.
A Variety of The Best Mortgage Lenders
Rob’s Mortgage Loans is an independent mortgage broker. I have many choices of wholesale lenders to receive pre-approvals and compare rates. Lenders I partner with include mortgage banks, credit unions, retail banks, and direct lenders.
Lowest Possible Rates
Because I receive offers from multiple lenders, I can compare the same loan’s interest rates, origination fees, and other costs. I then break down each option so you can select a mortgage with the lowest possible overall rates and fees.
Free Consultation and Guidance:
Take advantage of our complimentary consultation and guidance services to explore your jumbo loan options with confidence. Our team of experienced mortgage professionals is here to provide you with expert advice, answer your questions, and guide you through the entire loan process. We believe in empowering you with the knowledge and resources you need to make informed decisions about your jumbo loan.
USDA Home Loan Approval Made Easy


Quotes from satisfied clients

Hear What Our Clients Have To Say About Us

“Rob’s Mortgage Loans truly exceeded our expectations! Their team guided us through the entire process with professionalism and expertise. From our initial consultation to closing, they provided personalized solutions that made securing financing for our dream home a breeze. We’re grateful for their dedication and highly recommend their services to anyone in need.”

—John and Sarah D.

“Our experience with Rob’s Mortgage Loans was fantastic. They made the daunting process simple and stress-free. Their team’s attention to detail, transparent communication, and competitive rates ensured a smooth transaction. Thanks to them, we’re now proud homeowners of our dream property. Highly recommend Rob’s Mortgage Loans for anyone looking for jumbo financing!”

—Mike and Emily S

Why Choose An Independent Mortgage Broker?


Banks and mortgage corporations often have higher rates and fees than independent mortgage brokers because they have to pay executive salaries, choose to pay higher marketing costs, and have higher overheads. As an independent mortgage broker, I strategically set my commission lower. With lower overhead and a choice of wholesale lenders, the savings are passed on to the consumer.


Independent brokers aren’t tied to a single bank or lender. This means they can access more products through a choice of lenders. I also have the ability to select wholesale lenders that want to earn your business with lower rates and lower fees. As an independent broker, I can think outside the box and find unique loan offerings that specifically match each homeowner’s situation.


When you work with an independent mortgage broker, you simplify the borrowing process. Along with impeccable customer service, our loan originator will be free of bank and corporate bureaucracy, meaning they can focus on your loan and wrap things up faster. Everything goes straight to the decision-maker, and you have individualized support every step of the way. This also means I can get you into a home sooner.


Each independent broker oversees their process and the people they work with. Working with an experienced, trustworthy, competent, available, and responsive mortgage broker with strong references ensures a higher success rate and a better overall experience. You won’t get a different person whenever you call or someone reading a script. As an independent broker, I am here for you and invested in building a lasting relationship with you.

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Begin Your Journey Today

Ready to explore your options? Contact us today to schedule a free consultation with one of our experienced mortgage professionals. We’ll take the time to understand your financial goals, discuss your options, and develop a personalized plan to help you achieve your homeownership goals.


Get Started

Ready to explore your options? Contact Rob today. Whether you’re a first-time homebuyer or looking to refinance, we’re here to help you achieve your homeownership goals.