When the loan amount is above the conforming limit for your county, you need a jumbo loan. Jumbo loans are common along the Front Range and in mountain towns, and they come with their own rules on credit, reserves and appraisals.
Is this a good fit for you?
- Loan amounts above your county's conforming limit
- Buyers with strong credit and reserves
- Move-up buyers and luxury homes
- Mountain and second homes
How it works with Dakotah
1. Know the limit
Dakotah checks the conforming limit for your county and tells you if your price lands in jumbo territory.
2. Credit and reserves
Jumbo programs often ask for stronger credit and more money in reserve.
3. Appraisal
Larger homes can need a more detailed appraisal. She plans the timeline around it.
4. Fixed and adjustable choices
She will explain both, and how long you plan to stay will help decide.
What to have ready
- Two years of income history
- Several months of bank and investment statements
- Info on other real estate you own
- Photo ID
Do not have all of it yet? That is fine. Start the conversation and Dakotah will tell you exactly what she needs and when.
“Jumbo loans reward preparation. If you are thinking about a bigger home next year, talk to me now so you are ready when the right one lists.”
Dakotah Kutz, NMLS #1568471Why people choose Dakotah
Plenty of lenders can quote a rate. What clients talk about is the experience. Dakotah answers fast, explains each step in plain words, and keeps your agent in the loop so nobody is guessing. When a file gets complicated, a job change, a gift, a tricky appraisal, she finds a way through it instead of handing you a list of reasons it will not work.
She also looks past the first loan. If an FHA loan gets you in the door today, she will tell you when a refinance might make sense later. If you are buying a rental, she thinks about the next one too. That long view is why so many of her clients come back and send their friends.
Try Loan Match
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Questions people ask
What counts as jumbo?
Any loan above the conforming limit set for the county.
Do jumbo loans need 20% down?
Not always. Some programs allow less with strong credit.
Can I use a jumbo for a second home?
Yes, many jumbo programs allow second homes.
Other loans to compare
Talk to Dakotah about jumbo loans.
She will look at your full picture and tell you straight if this is the right program.