Mortgage answers, in plain English.

Start a secure online application — we review your credit, income, and assets and typically issue a pre-approval letter within 24–48 hours. Pre-approval shows sellers you're a serious buyer and locks in your buying power before you make offers.

Most conventional loans require a 620+ FICO; FHA can go down to 580 (or 500 with 10% down). VA loans typically need 580–620 depending on the lender, and jumbo loans usually require 700+. We work with multiple investors so we can place borrowers other lenders turn away.

It depends on the loan: 0% for VA and USDA, 3% for conventional first-time buyers, 3.5% for FHA, 5–10% for most conventional, 10–20% for jumbo, and 20–25% for DSCR investor loans. Down payment assistance is available in Colorado through CHFA programs.

From contract to closing, most purchase loans close in 21–30 days. Refinances typically take 30–45 days. We use modern underwriting and a small dedicated team so files don't get stuck — we'll give you a clear timeline at application.

FHA loans have lower credit and down payment requirements (3.5% down, 580 FICO) but require mortgage insurance for the life of the loan in most cases. Conventional loans need slightly better credit but let you drop PMI at 80% LTV — usually cheaper long-term if you qualify.

DSCR (Debt Service Coverage Ratio) loans qualify investors based on the property's rental income — not your personal tax returns or W-2s. If the rent covers the mortgage payment (DSCR ≥ 1.0), you can qualify. They're the standard tool for scaling rental portfolios in Colorado and Florida.

Yes. Beyond conventional loans (which require 2 years of tax returns), we offer bank statement loans that qualify you on 12–24 months of business or personal deposits, and P&L loans for established business owners. Many self-employed borrowers actually get better terms this way.

Yes — we close jumbo and super-jumbo loans throughout Colorado's mountain markets (Telluride, Aspen, Vail, Steamboat) and Florida's luxury coastal markets. We have access to portfolio and asset-based programs above $3M.

The classic rule is a rate drop of 0.75–1% or more, but it depends on how long you'll stay in the home. We'll run a break-even analysis: if you'll recoup closing costs in 24–36 months, it usually makes sense. Cash-out refinances and removing PMI are also valid reasons.

For a rate-and-term refinance, you typically need at least 5% equity (3% for some programs). For cash-out refinances, most lenders cap you at 80% LTV, meaning you need 20% equity remaining after the cash-out. VA cash-out can go to 90%.

Absolutely — this is one of the most common ways Colorado homeowners build a rental portfolio. We'll structure the cash-out so you preserve your primary's rate where possible, then use the funds as down payment on a DSCR investor loan.

Tayton Capital is licensed in Colorado and Florida. We can finance primary residences, second homes, and investment properties in both states — including dual-state snowbird strategies.

We're a mortgage broker with access to dozens of wholesale investors. That means we shop your loan across multiple lenders to find the best rate and program — instead of being limited to a single bank's products.

We're a small, local team where the same loan officer answers your calls from application through closing. You won't be passed between call-center reps. We also have access to non-QM, DSCR, and jumbo programs that big online lenders don't offer.

Use our secure online application — it takes about 10–15 minutes. We'll follow up the same day to confirm next steps and answer any questions.