Jumbo Loans
Mike Ziegler, Broker/ Owner at Longs Peak Lending
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Powered by Longs Peak Lending
We shop dozens of lenders so you don't have to. One application, multiple offers, the best rate — guaranteed.
Estimate your monthly mortgage
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Principal & Interest Only
Whether you are buying your first home or your fifth, we have the right mortgage solution for you
Our streamlined process gets you from application to keys in hand faster than traditional lenders
not just another mortgage company. committed to making homeownership accessible and stress-free.
Working with was amazing from start to finish! The personal approach made the entire process seamless. Highly recommend!
Happy Homeowner
Home Purchase
Real stories from homeowners who trusted with their most important financial decision.
"Mike made the entire home buying process so smooth and stress-free. His knowledge of the Colorado market is unmatched, and he found us an incredible rate that saved us thousands over the life of the loan."
Jennifer T.
First-time Homebuyer · Boulder, CO
"As a veteran, I was overwhelmed by the VA loan options. explained everything clearly and got us closed in just 21 days. Exceptional service!"
Michael R.
VA Loan · Fort Collins, CO
"We refinanced with Longs Peak Lending and couldn't be happier. They secured a rate that was 1.5% lower than our previous mortgage. The process was fast and communication was excellent throughout."
Sarah & Kevin M.
Refinance · Loveland, CO
"Professional, responsive, and genuinely caring. As first-time homebuyers, we had a million questions and they answered every single one with patience. Would absolutely recommend to anyone in Colorado!"
Amanda D.
First-time Homebuyer · Longmont, CO
"We needed a jumbo loan for our dream home in Estes Park. Other lenders made it complicated, but Longs Peak Lending made it happen seamlessly. Closed on time with no surprises."
Robert L.
Jumbo Loan · Estes Park, CO
"Outstanding service! They shopped multiple lenders for us and found the absolute best rate. The online portal made document uploads super easy. Will definitely use again for our next purchase!"
Tom C.
Conventional Loan · Denver, CO
500+
Happy Homeowners
5.0
Google Rating
21
Avg. Days to Close
Join thousands of families who found their perfect home with help.
Professional mortgage services tailored to your unique financial goals.
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(303) 888-8884
17011 Lincoln Ave, Ste 610 Parker, CO 80134
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About
Longs Peak Lending
What Sets Us Apart
Let's Work Together
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We're Mike and Pat Ziegler — brothers, Colorado natives, and the team behind Longs Peak Lending.
We grew up here. We know these mountains, these neighborhoods, and what it means to put down roots in Colorado. From the Front Range to the Western Slope, this state isn't just where we work — it's home.
After years in the mortgage industry, we decided to build something together: a lending company rooted in the same values we were raised with — honesty, hard work, and genuinely caring about the people we serve. We named it after one of Colorado's most iconic peaks because, like the mountain, we believe in standing tall and showing up for our clients every step of the way.
What drives us is simple: helping people.
Whether you're a first-time buyer nervously navigating your first offer, a growing family looking to upgrade, or a homeowner ready to refinance and save, we take the time to understand your situation — not just your credit score. We walk you through your options clearly, answer your questions honestly, and make sure you feel confident at every stage of the process.
There's no hand-off to a faceless underwriter. No disappearing after you sign. When you work with Longs Peak Lending, you work with Mike and Pat — start to finish.
We're proud to be your local Parker mortgage team and to serve clients across all of Colorado. If you're ready to make a move, we'd love to be part of your story.
Ready to take the next step? Reach out for a free consultation and personalized rate quote.
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Explore our range of mortgage solutions designed to fit every need, whether you are buying your first home or refinancing an existing loan.
Schedule a free consultation and will help you find the perfect program.
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FHA Loans
FHA Loans Your Gateway to Homeownership
What Are FHA Loans?
Quick Qualification Check
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Most Areas
High-Cost Areas
Alaska, Hawaii, Guam & USVI
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Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.
FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.
Get personalized FHA loan options with no impact to your credit score.
FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.
*Subject to AUS Approval
Down payment can come entirely from gift funds from family members.
FHA loan limits vary by area. Here are the current 2026 FHA loan limits by area type.
See how FHA loans compare to conventional mortgages and why they might be the perfect choice for your homebuying journey.
Get answers to the most common questions about FHA loans
Let us help you navigate the FHA loan process and find the perfect home financing solution.
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VA Loans
VA Loans For Our Heroes
What Are VA Loans?
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Veterans
Active Duty
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How to Get Your COE
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Honor Your Service
LOAN PROGRAMS
Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you have earned.
VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable.
Honor your service with the benefits you have earned.
Determine if you qualify for this valuable benefit based on your military service history.
Must have completed required training and meet other service requirements.
Your COE proves to lenders that you are eligible for a VA-backed loan. We will help you obtain it quickly.
Take advantage of these powerful benefits earned through your military service.
Get answers to common questions about VA loans and benefits
Let us help you take advantage of the VA loan benefits you have earned through your service.
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Conventional Loans
Conventional Loans The Flexible Choice
What Are Conventional Loans?
Quick Qualification Check
Conventional Loan Requirements
Credit Score
Down Payment
Debt-to-Income Ratios
2026 Conventional Loan Limits
Baseline (Most U.S. Areas)
High-Cost Areas
Alaska, Hawaii, Guam & USVI
Private Mortgage Insurance (PMI)
When PMI Is Required
PMI Removal Options
Frequently Asked Questions
Ready to Get Started?
LOAN PROGRAMS
The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.
Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations.
Traditional financing with flexible terms and competitive rates.
Conventional loans offer flexibility with competitive requirements for qualified borrowers.
Lower DTI ratios typically qualify for better interest rates and terms.
Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.
Understanding PMI helps you make informed decisions about down payments and monthly costs.
Get answers to common questions about conventional loans
Explore your conventional loan options and find the perfect financing solution for your home.
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USDA Loans
USDA Loans Zero Down Payment Rural Home Loans
USDA Loan Benefits
How USDA Loans Compare
Qualification Requirements
Property Location
Income Limits
Credit Requirements
Frequently Asked Questions
Ready to Explore USDA Loans?
LOAN PROGRAMS
Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers.
Discover why USDA loans are one of the best-kept secrets in home financing.
See why USDA loans are often the best choice for eligible rural and suburban homebuyers.
USDA loans are designed for moderate-income families. Check if you meet the requirements below.
Must be in a USDA-designated rural or suburban area. Many areas just outside major cities qualify. Use the USDA eligibility map or contact us to check your desired location.
Limits vary by county and household size
Get answers to common questions about USDA loans
Find out if your dream home is in a USDA-eligible area and start your journey to homeownership.
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Jumbo Loans
Jumbo Loans For Luxury Properties
What Are Jumbo Loans?
Jumbo Loan Calculator
2026 Loan Limits by Area
Standard Areas
High-Cost Areas
Jumbo Loan Thresholds
Jumbo Loan Benefits & Features
Jumbo Loan Qualification Requirements
Credit Requirements
Down Payment & Reserves
Frequently Asked Questions
Which Jumbo Program Fits You?
LOAN PROGRAMS
Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors.
Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets.
Specialized financing for luxury properties and high-value homes.
Conforming loan limits vary by area. Loans exceeding these limits require jumbo financing.
Any loan exceeding these limits in their respective areas requires jumbo financing.
Five specialized jumbo programs with varying DTI limits, reserve requirements, and property eligibility to match your unique situation.
Multiple jumbo programs with varying qualification requirements. We will match you to the program that best fits your profile.
Get answers to common questions about jumbo loans
Let our specialists analyze your profile and recommend the best jumbo program from our five specialized options.
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17011 Lincoln Ave, Ste 610 Parker, CO 80134
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