Arvada · Jefferson County

Mortgage Broker in Arvada, Jefferson County, Colorado

2026 Loan Limits in Arvada, Jefferson County

Arvada is in Jefferson County, one of Colorado's high-cost areas, where both the high-balance conforming and FHA limits reach $862,500 in 2026. Loans up to $862,500 are still Fannie Mae / Freddie Mac eligible — but at high-balance pricing, which carries a small rate premium over the $832,750 standard conforming baseline. Any loan above $862,500 is jumbo and requires portfolio or non-agency financing.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $862,500 in Jefferson County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Arvada's 2026 FHA ceiling: $862,500.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Arvada for long-term rentals and small multi-unit properties.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Denver MSA; light rail access; strong family market.

Frequently Asked Questions

What is the 2026 conforming loan limit in Arvada, Colorado?

Arvada sits in Jefferson County, where the 2026 conforming loan limit is $862,500. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Arvada?

The 2026 FHA loan limit in Jefferson County is $862,500 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Arvada?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Arvada and throughout Colorado.