The Delta mortgage market
Delta offers small-town affordability and access to outdoor recreation, popular with first-time buyers.
USDA 100% financing is widely available throughout Delta County.
Top loan programs in Delta
- USDA — commonly used by Delta buyers in this market.
- FHA — commonly used by Delta buyers in this market.
- Conventional — commonly used by Delta buyers in this market.
How to qualify for a mortgage in Delta
Qualifying for a mortgage in Delta 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 Delta mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Western Slope — including Delta — 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 Delta loan options
See what you qualify for — fast, free, no obligation.