The Cortez mortgage market
Cortez offers Southwest Colorado's most affordable entry point with strong USDA eligibility.
Most of Montezuma County qualifies for USDA 100% financing.
Top loan programs in Cortez
- USDA — commonly used by Cortez buyers in this market.
- FHA — commonly used by Cortez buyers in this market.
- VA — commonly used by Cortez buyers in this market.
- Conventional — commonly used by Cortez buyers in this market.
How to qualify for a mortgage in Cortez
Qualifying for a mortgage in Cortez 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 Cortez mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Southern — including Cortez — 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 Cortez loan options
See what you qualify for — fast, free, no obligation.