The Aurora mortgage market
Aurora is one of Colorado's most diverse cities and a major VA market due to proximity to Buckley Space Force Base. It offers some of the most affordable entry points in the Denver metro.
Buckley Space Force Base drives heavy VA loan volume — one of the largest VA markets in metro Denver.
Top loan programs in Aurora
- VA — commonly used by Aurora buyers in this market.
- FHA — commonly used by Aurora buyers in this market.
- Conventional — commonly used by Aurora buyers in this market.
- First-Time Homebuyer — commonly used by Aurora buyers in this market.
How much you can borrow in Aurora is set at the county level — the 2026 conforming and FHA ceilings for Arapahoe & Adams County determine where conventional financing ends and jumbo begins. Check the current Arapahoe & Adams County loan limits before you set a purchase price.
Explore loan programs in Aurora
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Side-by-side breakdowns for the programs Aurora buyers weigh most often.
- FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
- VA vs. FHA →Two low-down-payment options — which one costs less.
- Jumbo vs. Conventional →When a purchase price pushes you past the conforming limit.
- DSCR vs. Conventional →Qualify on rental income instead of your tax returns.
How to qualify for a mortgage in Aurora
Because Aurora is a heavy VA market, most veteran and active-duty buyers start with VA eligibility — 0% down, no PMI, and competitive rates. For buyers without VA entitlement, conventional and FHA round out the picture. Lenders look at credit, DTI, residual income (for VA), and how the home will be used.
- 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 Aurora mortgage
Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across the Denver metro suburbs — including Aurora — 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.
What clients say about working with us near Aurora
All 203+ reviews →"TJ and his team are amazing! From the beginning of our home hunting journey, TJ was incredibly reliable, responsive, and approachable. We simply could not have purchased our first home without his wealth of knowledge!"
"Incredibly organized and punctual with documents. Communication was great and overall service was as professional as could be! Would love to work with TJ in the future!"
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