Telluride's Local Mortgage Broker
Jumbo, second home, and condo financing for San Miguel County's luxury market.
Financing in one of Colorado's most unique markets
Telluride doesn't behave like the rest of Colorado. The San Miguel County 2026 conforming loan limit sits around $994,750, but the median asking price in town is roughly $3.175M with an average ~291 days on market. Translation: nearly every financed purchase here is a jumbo loan, and the buyer pool is small, patient, and discerning. You need a broker who works in this tier every week — not someone learning jumbo guidelines on your file.
Layer on Mountain Village's condo landscape and the complexity grows. Many of the ski-in/ski-out and hotel-program buildings have investor concentrations, rental programs, or HOA structures that disqualify them from standard Fannie Mae and Freddie Mac financing. Some properties need portfolio or Non-QM solutions, others can be placed conventionally if structured correctly. Knowing the difference before you're under contract is the entire game.
Tayton Capital is based in Telluride (PO Box 2922). That means real local knowledge of the buildings, the title companies, the HOA managers, and the listing agents — not a call center 2,000 miles away asking why your purchase contract is referencing a transfer assessment.
Loan programs for the San Miguel market
Jumbo
Loan amounts above ~$1.15M up to $3M with as little as 10% down.
Learn moreSuper-Jumbo
Financing to $5M+ for Telluride's high-end estates and ski-in/ski-out properties.
Learn moreSecond Home
Vacation home financing with as little as 10% down for qualifying buyers.
Learn moreDSCR (STR investors)
Qualify on projected short-term rental income — no W-2s or tax returns.
Learn moreNon-QM
Bank statement, asset depletion, and portfolio loans for non-warrantable condos.
Learn moreConstruction
One-time close construction-to-permanent loans for custom mountain builds.
Learn moreCondo financing in Mountain Village
A "warrantable" condo is one that meets Fannie Mae and Freddie Mac's project standards: low investor concentration, no hotel-style operations, adequate reserves, and rental rules that don't dominate the building. Warrantable units get the best rates and conventional or jumbo financing with normal down payments. "Non-warrantable" is anything that misses those boxes — and in Mountain Village, that's a lot of inventory.
Fannie Mae's LL-2026-03 (March 2026) eased the 50% investor concentration rule for established projects, which opened up some buildings that had been stuck on the no-go list for years. That's a real win for certain Mountain Village condos. But many ski-in/ski-out units with active hotel programs or aggressive short-term rental setups still don't fit conventional boxes and require Non-QM or portfolio financing — usually with 20–30% down and slightly higher rates, but very workable terms.
Before you write an offer on a Mountain Village condo, send us the building name. We can usually tell you within an hour whether the unit is warrantable, recently became warrantable under the new rule, or needs to be financed as Non-QM — and what that means for your down payment and rate.
The Telluride market is supply-constrained and cash-heavy — but financed buyers who arrive with a credible, fully underwritten jumbo pre-approval (not just a pre-qual letter) can still win. Underwriting done upfront is what makes the difference.
Buyers we've closed in Telluride
"TJ understood the condo project we were buying into immediately — he'd already financed two other units in the building. Closed on time when two other lenders had told us the building wasn't financeable."
"We needed a credible jumbo pre-approval to compete against cash. Tayton ran us through full underwriting upfront and our offer was accepted over two cash offers."
"Used a DSCR loan on a Mountain Village condo for short-term rental. Smooth, local, and TJ actually picked up the phone on weekends during contract."
Loan programs in this market
Jumbo loans in Telluride
Above the $994,750 San Miguel conforming limit — almost every Telluride purchase.
ExploreSelf-employed mortgages
Bank-statement and asset-depletion underwriting for Telluride buyers.
ExploreDSCR loans
Investor financing on STR and second-home rentals using rental income.
ExploreNearby Western Slope markets
Buying in Telluride or Mountain Village?
Local broker. Jumbo every day. Non-warrantable condos welcome. Call or text TJ at 970-708-9624.