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