Summit County’s Trusted Local Lenders for STR Financing
Financing a short-term rental (STR) in Summit County isn’t always straightforward. Between condotels, strict HOA rules, and unique short-term rental licensing requirements, not every bank is equipped to handle the details. That’s why working with a local lender who knows the market is one of the smartest moves you can make.
Below are four trusted Summit County–based mortgage professionals who specialize in helping buyers navigate the ins and outs of STR financing.
Jennifer Cleary
VP, Mortgage Banker – BOK Financial
📞 Office: 970-668-2200
📱 Mobile: 970-485-9601
📧 jcleary@bokf.com
Jennifer is a well-known resource for Summit County buyers, with extensive experience in second homes, investment properties, and jumbo loans. She’s familiar with local HOA rules and has guided countless buyers through successful STR transactions. Clients value her responsive communication and ability to close complex deals smoothly.
Paula Ramey
Senior Loan Consultant – New American Funding | NMLS# 281978
📱 Cell: 303-489-2208
📞 Direct: 970-262-0555
📠 Fax: 970-798-7297
📧 Paula.Ramey@nafinc.com
Paula brings the strength of a national lender combined with a deep understanding of the Summit County market. She offers a wide range of loan products, conventional, FHA, VA, jumbo, and investment property loans, and is especially skilled at helping buyers find creative solutions that fit unique properties.
Hanna Thomas
Vice President – FirstBank Mountains | NMLS ID 1392763
📍 200 Ski Hill Road, PO Box 7129, Breckenridge, CO 80424
📞 Phone: 970-547-3846
📠 Fax: 970-547-3847
Hanna’s office is right in Breckenridge, and she knows the county’s real estate challenges first-hand. FirstBank is recognized for its willingness to finance properties that other banks often won’t touch, including condotels and fractional ownership homes. Hanna’s local insight and FirstBank’s mountain-focused lending programs make her a great partner for STR buyers.
Lorri Heuck
Mortgage Loan Originator – Alpine Bank | NMLS# 458836
📍 PO Box 4457, 701 N. Summit Boulevard, Frisco, CO 80443
📞 Phone: 970-513-5914
With more than 20 years of lending experience in the Colorado high country, Lorri understands the quirks of Summit County properties, from ski-in, ski-out condos to single-family homes with STR potential. Alpine Bank’s community-driven approach and Lorri’s hands-on guidance help buyers secure financing that fits both their goals and local requirements.
Why Local Matters
STR licensing knowledge: Local lenders know which complexes and neighborhoods qualify for short-term rental licenses.
Condotel experience: Many national banks won’t finance condotels, but Summit County lenders do it every day.
Faster timelines: Local lenders are used to Colorado’s short contract deadlines and can move quickly to keep deals on track.
Trusted by sellers: Offers backed by a local lender are often viewed more favorably in competitive negotiations.
Final Thoughts
Buying a short-term rental in Summit County can be a profitable and rewarding investment, but the financing side is where many buyers get tripped up. Partnering with a local lender who understands the nuances of this market can save you stress, time, and money.
If you’re starting your STR search, reach out to one (or several) of the trusted professionals above to get pre-qualified. A strong financing strategy is the first step toward turning your mountain rental dreams into reality.
