Mortgage broker serving Franktown, Colorado
Acreage, equestrian, and custom-build financing for Franktown and the Douglas County countryside.
Franktown is horse property country. Most parcels here run several acres with a well, a septic system, and often a barn, arena, or loafing shed. Those improvements affect value, insurance, and which lenders will write the loan, and the appraisal has to be handled by someone who actually covers rural Douglas County — otherwise the value comes in on the house alone and ignores the land and improvements.
Loan amounts in Franktown frequently land in high-balance or jumbo territory because acreage plus a custom home adds up quickly. Douglas County's high-balance conforming limit keeps some of those loans conventional, which is meaningfully better pricing than jumbo when your loan amount fits.
Many Franktown transactions are custom builds or major renovations. Construction-to-permanent financing with a draw schedule, builder approval, and an appraisal from plans is the right structure, and it needs to be set up before the construction contract is signed.
Areas we finance in and around Franktown
Programs Franktown buyers and owners use most
Financing above the conforming limit with competitive terms.
Compare builder incentives against outside financing.
For owners whose tax returns understate real income.
Core purchase financing for primary residences.
Access equity without touching a low first-mortgage rate.
Rentals, short-term rentals, and portfolio growth.
Questions we hear from Franktown clients
Can I finance a horse property in Franktown?+
Yes. Residential financing works on equestrian property as long as the use is not a commercial operation and the appraiser can support the value with comparable acreage sales. Barns, arenas, and fencing may or may not add appraised value depending on comparables, so we set expectations before the appraisal is ordered.
What does a well and septic add to my loan file?+
A well flow test, water potability test, and septic inspection or county permit, plus specific separation requirements on government-backed loans. Rural inspectors book out, so these get ordered at contract rather than at the end.
Will my Franktown loan be a jumbo?+
Sometimes. Douglas County carries a high-balance conforming limit above the national baseline, and plenty of Franktown loans fit under it with the right down payment. When they do not, we shop several jumbo investors because reserve requirements differ widely.
Can I build a custom home in Franktown with one loan?+
Yes. Construction-to-permanent financing appraises from your plans and specifications, funds the builder in draws, and converts to a permanent mortgage at completion so you close once. Builder approval and a contingency reserve are part of underwriting.
How long do rural closings take?+
Plan on thirty to forty-five days rather than twenty-one. The added time comes from appraisal scheduling and well, septic, and insurance items, not from underwriting. We set the contract deadlines accordingly.
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.