The Denver mortgage market
Denver is Colorado's largest mortgage market — diverse inventory across price points with consistent appreciation.
First-time buyers often combine FHA with CHFA down payment assistance.
Top loan programs in Denver
- Conventional — commonly used by Denver buyers in this market.
- FHA — commonly used by Denver buyers in this market.
- VA — commonly used by Denver buyers in this market.
- Jumbo — commonly used by Denver buyers in this market.
How to qualify for a mortgage in Denver
Qualifying for a mortgage in Denver 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 Denver mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Front Range — including Denver — 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 Denver loan options
See what you qualify for — fast, free, no obligation.