Ridgway · Ouray County

Mortgage Broker in Ridgway, Ouray County, Colorado

2026 Loan Limits in Ridgway, Ouray County

The 2026 conforming loan limit in Ouray County is $832,750 — Colorado's standard baseline — which covers the majority of Ridgway purchases. Ouray County's FHA limit is $750,950, or $209,663 above Colorado's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Colorado markets.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $832,750 in Ouray County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Ridgway's 2026 FHA ceiling: $750,950.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Ridgway for long-term rentals and small multi-unit properties.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Ouray County elevated FHA; Telluride proximity drives prices; primary and second home mix.

Frequently Asked Questions

What is the 2026 conforming loan limit in Ridgway, Colorado?

Ridgway sits in Ouray County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Ridgway?

The 2026 FHA loan limit in Ouray County is $750,950 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Ridgway?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Ridgway and throughout Colorado.