The Montrose mortgage market
Montrose offers an affordable Western Slope alternative with steady appreciation and strong rental demand.
Many surrounding areas qualify for USDA 100% financing.
Top loan programs in Montrose
- Conventional — commonly used by Montrose buyers in this market.
- FHA — commonly used by Montrose buyers in this market.
- VA — commonly used by Montrose buyers in this market.
- USDA — commonly used by Montrose buyers in this market.
How to qualify for a mortgage in Montrose
Qualifying for a mortgage in Montrose 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 Montrose mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Western Slope — including Montrose — 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 Montrose loan options
See what you qualify for — fast, free, no obligation.