Non-QM Loans in Colorado
Colorado's thriving tech industry, outdoor lifestyle appeal, and strong tourism market create unique opportunities for Non-QM borrowers. From Denver's urban market to mountain resort properties, flexible financing solutions serve diverse borrower needs.
$550,000
Median Home Price
$485,000
Avg. Loan Amount
48+
Licensed Lenders
12+
Major Markets
Colorado Real Estate Market
Why Non-QM loans are popular in Colorado
Strong tech sector creates self-employed and contractor income profiles
High-value mountain resort properties require jumbo Non-QM options
Robust short-term rental market in ski towns and tourist areas
Growing population of remote workers with non-traditional income
Investment opportunities in Denver metro and college towns
Second home market active in mountain communities
Popular Non-QM Programs in Colorado
These loan programs are especially popular among Colorado borrowers
Top Colorado Markets We Serve
Non-QM lending available throughout Colorado
Colorado Lending Regulations
Colorado is regulated by the Division of Real Estate under the Department of Regulatory Agencies (DORA). Mortgage loan originators must be licensed under the Colorado Mortgage Loan Originator Licensing Act. Colorado has specific disclosure requirements and consumer protections.
Colorado Non-QM Loan FAQs
Common questions about Non-QM loans in Colorado
Can I get a Non-QM loan for a ski property in Colorado?
Yes! DSCR loans are popular for ski town properties where short-term rental income can be used to qualify. Bank statement and asset depletion loans are also available for second homes in mountain communities.
What loan amounts are available for Denver luxury homes?
Non-QM loans in Colorado can exceed $2-3 million for luxury properties in Denver, Boulder, and mountain resort areas. Jumbo Non-QM options are available for high-value purchases.
Are Non-QM loans available for Colorado condos?
Yes, including non-warrantable condos that don't meet conventional guidelines. This is common in ski resort areas where many buildings have high investor concentration or HOA issues.
Can I use rental income from a Colorado vacation property?
Absolutely! DSCR lenders will consider short-term rental income from platforms like Airbnb and VRBO. Some use actual rental history, while others use projected income from market analysis.
How do Colorado's property taxes compare for loan qualification?
Colorado has relatively moderate property taxes compared to other states, which can help your debt-to-income ratio. However, mountain properties may have additional HOA fees that are factored into qualification.
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