The Durango mortgage market
Durango balances mountain lifestyle with year-round economic stability — a top destination for relocators and retirees.
Strong VA buyer presence due to nearby Fort Lewis College and regional veteran community.
Top loan programs in Durango
- Conventional — commonly used by Durango buyers in this market.
- Jumbo — commonly used by Durango buyers in this market.
- VA — commonly used by Durango buyers in this market.
How to qualify for a mortgage in Durango
Qualifying for a mortgage in Durango 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 Durango mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Southern — including Durango — 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 Durango loan options
See what you qualify for — fast, free, no obligation.