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 a Ouray mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Mountain — including Ouray — 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 Ouray loan options
See what you qualify for — fast, free, no obligation.