Jumbo Mortgage Loans
Jumbo mortgage solutions built to elevate your purchasing power and finance your ideal home beyond standard borrowing limits.
Specialized Loans for High-Value Homes
What are Jumbo Loans?
High-value home loans, also known as jumbo loans, are mortgages that exceed conventional borrowing limits. If you need to apply for Jumbo financing, our local lending team at Points West Community Bank can help you compare your jumbo mortgage loan options and find a way to finance your purchase of a high-cost property in Colorado, Nebraska, or Wyoming.
Why Choose a Jumbo Loan?
A jumbo loan lets you obtain a mortgage to buy a property that exceeds the standard mortgage limits, such as a large property, a second home, or a luxury home with all the trimmings. That’s why we offer adjustable-rate and fixed-rate jumbo mortgages, with a streamlined application and approval process along with personal guidance from one of our local mortgage experts.
Jumbo Loan Benefits
A Points West Community Bank jumbo loan lets you borrow beyond conventional mortgage limits and in many cases, there’s no need for private mortgage insurance (PMI). We offer flexible terms, competitive interest rates, and our jumbo mortgages can be used for either purchasing or refinancing a home. Our loans come with brokered access to top-tier lenders.
Monthly Mortgage Payments Calculator
Use our Monthly Mortgage Payments Calculator to estimate your loan costs based on rate, loan amount, and term. This makes it easy to compare your mortgage options and figure out what’s best for you.
View the mortgage calculator
How to Apply for Jumbo Financing
Here are the steps to take when you apply for a jumbo loan mortgage:
1. Meet With a Points West Mortgage Specialist
One of our mortgage lenders can explain the entire process in detail, such as the type of information we’ll need to process your application. If you’re ready to start, you can apply online or call us at (970) 541-2520. The pre-qualification process gives you an estimate of how much you could borrow and the interest rate you would receive. One of our mortgage lenders will examine your financial documents and explain the process.
2. Gather Your Financial Documentation
Once you have all your financial documents, we can check your credit information and see what kind of loan you might be eligible for.
3. Choose a Fixed or Adjustable Jumbo Mortgage
Our mortgage lender can explain your jumbo mortgage loan options and help you compare whether a fixed or adjustable-rate jumbo mortgage would be right for you and the terms, such as how long you would have to pay off the loan.
4. Submit Your Application and Get an Appraisal
Once you’ve bid on a home, and your offer is accepted, an appraiser will offer an opinion on the property’s market value. If the appraisal is in line with your bid to buy the home, then you will submit your formal application for a mortgage and wait for the closing.
5. Close With Confidence on Your High-Value Home
After a title Inspection, you will complete a final walk-through of the property, sign your mortgage documents, and receive the keys to your new home!
Start My ApplicationWhy Choose Points West?
At Points West Community Bank, we have decades of experience in complex home mortgages and all our lending decisions are made locally, which offers fast approvals and responsive support. Our local teams offer a commitment to personalized service, and we can provide competitive jumbo rates through our brokered network.
Serving Customers in Communities across CO, NE, and WY
At Points West Community Bank, we’ve been serving the tri-state area of Colorado, Nebraska, and Wyoming through four generations with a local approach to lending and approvals made right here in the community. We support customers throughout the Front Range region of Colorado, including Fort Collins, Loveland, Greeley, Wellington, and Windsor. In Nebraska, we serve families and businesses across the Panhandle and central counties with locations in Sidney, Bridgeport, Fullerton, and beyond. Our Wyoming branches provide personalized service in key communities such as Torrington, Pine Bluffs, Douglas, and Lingle. Wherever you live in the tri-state region, you can find a local Points West Community Bank to meet your needs.
Let’s Talk About Financing Your Forever Home
As a community-minded bank, we want all our customers to succeed. If you’re looking for a jumbo mortgage loan, we are here to help explain the process and answer all your questions. Apply online and get started today!
Apply for Jumbo Financing