The Boulder mortgage market
Boulder's premium pricing means most purchases require jumbo or high-balance conforming loans.
Most Boulder loans exceed conforming limits — jumbo programs are the norm.
Top loan programs in Boulder
- Jumbo — commonly used by Boulder buyers in this market.
- Conventional High Balance — commonly used by Boulder buyers in this market.
- Conventional — commonly used by Boulder buyers in this market.
How to qualify for a mortgage in Boulder
Qualifying for a mortgage in Boulder follows the same core process as anywhere in Colorado: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, 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 a Boulder mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Front Range — including Boulder — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Boulder loan options
See what you qualify for — fast, free, no obligation.