Vail Valley & Eagle County
Home Loan Specialists

— ABOUT VAIL VALLEY & EAGLE COUNTY LOANS

Call today to get started!

— VAIL LUXURY MARKET

Vail is Colorado’s most internationally recognized ski resort community – a pedestrian village at the base of Vail Mountain with a real estate market defined by ski-in/ski-out access, European alpine architecture, resort-branded residences, and a buyer profile drawn from the highest levels of corporate, financial, and entertainment industry wealth.

Key Vail Communities & Developments

• Vail Village – The resort’s historic core, with ski-in/ski-out condominiums, luxury residences, and boutique hotel-adjacent properties immediately at the base of Vail Mountain. Transactions in the Village routinely range from $2 million to well above $10 million depending on size, ski access, and views.
• Lionshead – The western base village anchored by the Arrabelle at Vail Square – a RockResort-branded luxury development – and surrounded by ski-in/ski-out condominium inventory at a range of price points relative to Vail Village.
• Golf Course & East Vail Residences – Single-family and estate properties lining the Vail Golf Club and extending east toward East Vail, offering a different ownership profile – larger lots, mountain views, and a more private residential character than the resort village core.
• Cascade Village – Resort-adjacent community west of Lionshead with a mix of luxury condominiums and whole ownership residences at a more accessible price point relative to the village core.
• Intermountain & West Vail – Primary residence and seasonal communities serving the local Vail workforce and buyers seeking Eagle County mountain living at more affordable price points than the resort core.

Financing in Vail commonly involves jumbo and portfolio structuring for ski-in/ski-out and luxury village transactions, PrimeResort™ financing for non-warrantable and resort-branded condominium projects, complex borrower profiles including financial executives, technology founders, and entertainment industry principals, bank statement and asset-based qualification for self-employed and high-net-worth borrowers, and DSCR programs for vacation rental investment acquisitions.

— BEAVER CREEK LUXURY MARKET

Beaver Creek is among the most exclusive ski resort residential communities in North America – a guard-gated resort village accessible only through a staffed security entrance, with a curated collection of ski-in/ski-out estates, luxury condominium developments, and resort-branded residences set against the backdrop of Beaver Creek Mountain’s perfectly groomed terrain.

The Beaver Creek resort community is structured around a private village plaza, ice skating rink, and a resort amenity program that elevates the ownership experience beyond almost any other ski destination in the country. The result is a buyer profile heavily weighted toward ultra-high-net-worth purchasers – many of whom own multiple luxury properties internationally – for whom Beaver Creek represents a flagship mountain retreat rather than a primary residence.

Key Beaver Creek Communities & Developments

• Park Hyatt Beaver Creek Resort & Spa Residences – Ski-in/ski-out luxury residences adjacent to the Park Hyatt hotel, with full resort services and a non-warrantable condominium structure requiring PrimeResort™ or portfolio financing
• The Pines at Beaver Creek – Luxury slopeside condominium development with ski-in/ski-out access and whole ownership structures
• Borders Lodge – Boutique luxury condominium development in the village core with resort services and ski access
• Bachelor Gulch – Ritz-Carlton-anchored resort community adjacent to Beaver Creek with the full-service Ritz-Carlton Bachelor Gulch hotel, luxury ski-in/ski-out residences, and a Westin Resort component – one of the most complete resort residential environments in Colorado
• Arrowhead – Guard-gated ski-in/ski-out community at the western end of the Beaver Creek resort with a distinct and private residential character, luxury estate homes, and a golf course

Bachelor Gulch warrants particular emphasis from a financing perspective. The Ritz-Carlton Bachelor Gulch and Westin Riverfront Resort presence creates a meaningful resort-branded residential and condominium market where PrimeResort™ financing is routinely applicable – fractional ownership structures, hotel-component adjacency, and non-warrantable project characteristics are common across the Bachelor Gulch inventory.

→ PrimeResort™ Condo Financing
→ Portfolio Loans & Flexible Financing Solutions
→ Jumbo Loans

— DOWN-VALLEY MARKETS

The Vail Valley extends west from the resort core through a succession of communities that provide the residential infrastructure supporting Eagle County’s resort economy – and increasingly, a destination in their own right for buyers seeking mountain lifestyle at accessible price points relative to the resort villages.

• Avon – The commercial center of the Vail Valley, positioned between Beaver Creek and Edwards, with a growing luxury condominium market anchored by the Westin Riverfront Resort and Spa, a ski gondola connection to Beaver Creek Mountain, and an evolving town center that has attracted significant investment and development attention. The Westin Riverfront residences carry resort-branded and non-warrantable characteristics where PrimeResort™ financing may be applicable.
• Edwards – The valley’s most established and diverse residential community, with a range of property types from entry-level condominiums to luxury single-family homes in master-planned communities including Pilgrim Downs, Riverwalk, and the lake communities of Lake Creek. Edwards attracts a mix of resort area workforce buyers, primary residence purchasers, and value-oriented buyers who want Eagle County mountain living without the resort core price premium.
• Eagle & Gypsum – The valley’s most accessible price point communities, offering conventional and FHA financing options for primary residence buyers and workforce families who support the Eagle County resort economy. VA financing is available across all Eagle County communities.

— EAGLE COUNTY LOAN OPTIONS

— WHY PACIFIC HOME LOANS

— COMMON QUESTIONS