Beaver Creek · Eagle County

Mortgage Broker in Beaver Creek, Eagle County, Colorado

2026 Loan Limits in Beaver Creek, Eagle County

Beaver Creek is in Eagle County, one of Colorado's high-cost areas, where both the high-balance conforming and FHA limits reach $1,249,125 in 2026. Loans up to $1,249,125 are still Fannie Mae / Freddie Mac eligible — but at high-balance pricing, which carries a small rate premium over the $832,750 standard conforming baseline. Any loan above $1,249,125 is jumbo and requires portfolio or non-agency financing. DSCR investors targeting Beaver Creek short-term rentals should confirm permit availability before closing — the city regulates STR licensing, and rental income projections depend on an active, transferable permit.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $1,249,125 in Eagle County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Beaver Creek's 2026 FHA ceiling: $1,249,125.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Beaver Creek for regulated short-term rentals and long-term rentals.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Ultra-luxury ski resort; most purchases super-jumbo; warrantability varies by project.

Frequently Asked Questions

What is the 2026 conforming loan limit in Beaver Creek, Colorado?

Beaver Creek sits in Eagle County, where the 2026 conforming loan limit is $1,249,125. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Beaver Creek?

The 2026 FHA loan limit in Eagle County is $1,249,125 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Beaver Creek?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Beaver Creek and throughout Colorado.

Can I use a DSCR loan for a short-term rental in Beaver Creek?

Yes — Beaver Creek regulates short-term rentals, so confirm permit availability before closing. DSCR loans qualify on rental income projections and don't require personal income documentation.