Aspen, Colorado mortgage broker.

The Aspen mortgage market

Aspen is one of the most expensive ZIP codes in the country — financing typically involves super-jumbo and portfolio loans.

Most Aspen financing uses portfolio or asset-depletion loans above $3M.

Top loan programs in Aspen

• Super Jumbo — commonly used by Aspen buyers in this market.
• Asset-Based — commonly used by Aspen buyers in this market.
• Second Home — commonly used by Aspen buyers in this market.

How to qualify for a mortgage in Aspen

Most Aspen purchases price above conforming limits, so qualifying often starts with jumbo or second-home guidelines: stronger credit (typically 720+), 10–20% down, and documented reserves. Investment and short-term-rental buyers may layer in DSCR. Lenders still review credit, DTI, down payment, and income docs — but the bar is set by the jumbo or second-home investor.

• Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
• Second homes: typically conventional or jumbo with 10–20% down.
• Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.

Get pre-approved for an Aspen mortgage

Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across the Colorado mountains — including Aspen — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.