The Aspen mortgage market
Aspen is one of the most expensive ZIP codes in the country — financing typically involves super-jumbo and portfolio loans.
Most Aspen financing uses portfolio or asset-depletion loans above $3M.
Top loan programs in Aspen
- Super Jumbo — commonly used by Aspen buyers in this market.
- Asset-Based — commonly used by Aspen buyers in this market.
- Second Home — commonly used by Aspen buyers in this market.
How to qualify for a mortgage in Aspen
Qualifying for a mortgage in Aspen 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 Aspen mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Mountain — including Aspen — 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 Aspen loan options
See what you qualify for — fast, free, no obligation.