Ouray, Colorado mortgage broker.

The Ouray mortgage market

Ouray's tight inventory and tourism-driven rental market make it a favorite for vacation-home buyers.

Strong Airbnb performance — DSCR loans using STR income are common here.

Top loan programs in Ouray

• Conventional — commonly used by Ouray buyers in this market.
• Jumbo — commonly used by Ouray buyers in this market.
• DSCR — commonly used by Ouray buyers in this market.

How to qualify for a mortgage in Ouray

Qualifying for a mortgage in Ouray 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 an Ouray mortgage

Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across the Colorado mountains — including Ouray — 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.