Vail, Colorado mortgage broker.

The Vail mortgage market

Vail's resort-driven economy makes it a top market for second homes and short-term rental investments.

STR-friendly zoning makes DSCR loans particularly effective in Vail Valley.

Top loan programs in Vail

• Jumbo — commonly used by Vail buyers in this market.
• Second Home — commonly used by Vail buyers in this market.
• DSCR — commonly used by Vail buyers in this market.

How much you can borrow in Vail is set at the county level — the 2026 conforming and FHA ceilings for Eagle County determine where conventional financing ends and jumbo begins. Check the current Eagle County loan limits before you set a purchase price.

How to qualify for a mortgage in Vail

Most Vail purchases price above conforming limits, so qualifying often starts with jumbo or second-home guidelines: stronger credit (typically 720+), 10–20% down, and documented reserves. Investment and short-term-rental buyers may layer in DSCR. Lenders still review credit, DTI, down payment, and income docs — but the bar is set by the jumbo or second-home investor.

• 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 Vail mortgage

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