Financing Tough Loans Is Our Specialty.

If you don’t fit neatly into the box with great credit, high W2 income, and experience owning a home, contact us. We love helping our clients in Boulder with non-conforming loans and navigate getting the credit they deserve. If you’re self-employed or need a low-down-payment jumbo loan, our professionals can help.

Highly-rated Mortgage Lender

Benjamin Bankers is ranked 5 stars on Facebook, Pro-Experience and Zillow

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Our Tools

Our experienced non-QM mortgage advisors help Boulder residents go beyond the standard checkboxes. We don’t play the yes-no-deny game. Our professionals will steer you through the mortgage process whether buying or refinancing

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Jumbo Loans

In 2022, Boulder County conforming loan limits were modified, increasing to $747,500 for a single-family home, but with the cost of homes here, it may not help much. If you’re looking to purchase a high-end home, or just a regular home in some Colorado counties, a jumbo loan may be right for you. With Benjamin Bankers, we can still get you great terms on your non-confroming loan in Boulder, like a low down payment and a better LTV (loan-to-value) ratio.

Self Employed Loans | Benjamin Bankers

Self-Employed Loans

Our mortgage experts understand what being self-employed means. We know that you have to work hard for every dollar you earn, and then you have to fight to keep it out of the hands of the IRS. We won’t make you pay higher taxes just to qualify for loan terms. We can use as little as 12 months of bank statements and business income, as well as 1099 earnings.

Investor Loans | Benjamin Bankers

Investor Loans

Investor loans are another way our mortgage pros can help. We can use rental income without the need for tax records or other documents. Our non-conforming loans in the Boulder area are available for both short- and long-term rentals, with no limit on the number of properties.

Asset Based Loans | Benjamin Bankers

Asset Based Loans

For borrowers with assets available to back their loans but who want to hold onto cash or other liquid assets, we offer asset-based loans. Borrowers can qualify without using tax returns or W2 forms in order to qualify.

ITIN Loans | Benjamin Bankers

ITIN Loans

Borrowers without a social security number can take advantage of ITIN (individual tax identification number) mortgage loans. Getting our clients approved for a mortgage is our sole focus. We can get you a non-conforming loan in Boulder without documents proving residency or a social security card.

Get a Cash Out Refinance | Benjamin Bankers

Cash-Out Refinance

They call the equity in a home dead money because there is nothing you can do with it. A cash-out refinance from our Boulder team changes all of that by using that equity for a mortgage that puts a check in your pocket

Use Our Easy Tools to Understand Your Options and Get Preapproved

Get your FREE
Pre-Approval Letter

Find out how much home you can afford by getting pre-approved for your next home loan now.

Analyze Your
Refinance Options

This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.

Compare Today’s
Mortgage Rates

Browse today’s rate comparisons to see which individual mortgage terms make the most sense for you.

We Can Fully Fund Your House in as Few as 30 Days

Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Benjamin Bankers at Lakeview, Boulder or Oakland, CA for your home loan or refinance, you can get your money and do what you want with it – usually in less than 30 days.

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Pick the Right Home
Purchase Loan for You

Once you find the home you want, let Benjamin Bankers help you get the non-QM mortgage you want for the Boulder property..

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Get a Cash-Out Refinance

We can get many homeowners up to 95% LTV without mortgage insurance.

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Shop Around for the
Best Rate

Check out what the rates are, compare them to your needs, and decide which mortgage is right for you.

Get a mortgage quote now! Stop worrying—Go build your future!

A mortgage is as unique as your perfect home. Factors like location, your current employment status, documentation needs, and overall financial health add up to the perfect loan like getting the right location, number of bedrooms, and overall quality add up to the perfect home.