Mortgage broker serving Cherry Hills Village, Colorado
Jumbo, super-jumbo, portfolio, and asset-depletion financing for Cherry Hills Village estates, Old Cherry Hills, and Buell Mansion.
Cherry Hills Village is one of Colorado's highest-value markets: one-acre minimum lots, custom estates, and price points that sit well beyond conforming limits. Nearly every purchase here is jumbo or super-jumbo, which means the qualifying conversation is about reserves, asset structure, and documentation depth rather than a simple debt-to-income calculation.
Buyers in this market are frequently business owners, executives with equity compensation, or retirees with substantial portfolios and modest taxable income. Jumbo portfolio programs handle that: K-1 and distribution income, restricted stock and vesting schedules, and asset-depletion qualification that converts liquid assets into qualifying income without requiring you to liquidate.
Appraisals on estate properties take longer and require an experienced appraiser who can find genuinely comparable Cherry Hills, Greenwood Village, and Old Cherry Hills sales. We build that timeline into the contract rather than discovering it during the appraisal contingency.
Areas we finance in and around Cherry Hills Village
Programs Cherry Hills Village buyers and owners use most
Estate financing well beyond conforming limits.
Business owners and K-1 income documented properly.
Large second-position lines against substantial equity.
Rate-and-term or cash-out on an existing estate.
Custom rebuilds and scrape-and-builds on Village lots.
Second homes, rentals, and portfolio structuring.
Questions we hear from Cherry Hills Village clients
How much do I need to put down on a Cherry Hills Village jumbo loan?+
Jumbo programs commonly start around 10–20% down depending on loan size, credit profile, and reserves, with the strongest pricing at 20% or more. Super-jumbo amounts typically require deeper reserves — often 6 to 12 months of payments held after closing.
Can I qualify using assets instead of income?+
Yes. Asset-depletion programs convert eligible liquid and retirement assets into a qualifying monthly income figure without requiring you to sell anything. This is the common path for retirees and owners whose tax returns understate cash flow.
How is business-owner or K-1 income treated?+
Portfolio jumbo lenders will use distributions, K-1 income, and in some cases bank-statement deposits, along with a CPA letter on business continuity. Structuring the file correctly at the start avoids a mid-underwriting income re-work.
Why do estate appraisals take longer here?+
One-acre-plus custom homes have few directly comparable recent sales, so the appraiser has to reach into adjacent luxury submarkets and make supported adjustments. That research adds days, and using an appraiser who knows the Village avoids revisions.
Can I finance a scrape-and-build in Cherry Hills Village?+
Yes, through construction-to-permanent financing covering the lot, demolition, build draws, and the permanent loan in one closing. Village design review and permitting timelines need to align with the lender's draw schedule, and we coordinate that with your builder.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.