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.
Explore loan programs in Vail
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.
What clients say about working with us near Vail
All 198+ reviews →"TJ and his team are amazing! From the beginning of our home hunting journey, TJ was incredibly reliable, responsive, and approachable. We simply could not have purchased our first home without his wealth of knowledge!"
"Incredibly organized and punctual with documents. Communication was great and overall service was as professional as could be! Would love to work with TJ in the future!"
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