Colorado mortgage refinance.
Rate-and-term, cash-out, FHA Streamline, VA IRRRL, jumbo, and DSCR refinance — from a Colorado-licensed broker with statewide coverage.
Refinancing in Colorado in 2026
Colorado home values have appreciated roughly 50–80% since 2020 in most major markets. Long-tenured owners have meaningful equity, and Front Range, Western Slope, and mountain resort borrowers each face a different set of refinance options. Rate-and-term refinancing dominates when rates drop; cash-out refinancing is the go-to for renovations, investment property down payments, and debt consolidation.
Mountain resort owners in Aspen, Vail, Telluride, Breckenridge, and Steamboat commonly refinance through jumbo programs — Eagle, Pitkin, Summit, and San Miguel counties all have conforming limits above $1M. Short-term rental investors use DSCR refinancing to pull equity without personal tax returns. Veterans across Colorado Springs, Aurora, Pueblo, and Fort Collins qualify for VA IRRRL and VA cash-out up to 100% LTV.
Colorado refinance programs
Rate-and-term refinance
Lower your rate or shorten your term without taking cash out.
Cash-out refinance
Pull equity for renovations, investments, or debt payoff — up to 80% LTV conventional, 100% VA.
Learn moreJumbo refinance
For loan balances above conforming limits — mountain resort markets and high-value Front Range.
Learn moreSecond home refinance
Rate-and-term and cash-out options for mountain cabins and vacation homes.
Learn moreColorado city refinance guides
Each guide includes 2020-buyer equity estimates, max cash-out at 80% LTV, break-even analysis, and county loan limits.
Colorado refinance FAQ
How long does a Colorado refinance take?+
Most Colorado refinances close in 21–35 days. Streamline programs (FHA Streamline, VA IRRRL, USDA Streamline) can close in 14–21 days because no appraisal or income documentation is required.
How much equity do I need to refinance in Colorado?+
Rate-and-term conventional refinances can go up to 95% LTV. Cash-out conventional is capped at 80% LTV on primary residences, 75% on second homes and investment properties. VA IRRRL and FHA Streamline have no LTV limit.
Is Tayton Capital licensed to refinance across Colorado?+
Yes — Tayton Capital LLC (NMLS #2106875) is a Colorado-licensed mortgage broker originating refinance loans statewide, from Denver and the Front Range to Western Slope and every mountain resort market.
What refinance program fits a Colorado mountain home?+
For loan balances above the local conforming limit (Eagle, Pitkin, Summit, San Miguel and other resort counties have limits above $1M), jumbo refinance is the standard product. For short-term rental investors, DSCR refinance qualifies on rental income without personal tax returns.
Get your Colorado refinance options.
Free scenario — real rate quote, no obligation, usually same day.