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Colorado home loans —
Front Range to the Western Slope.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across all of Colorado. From first-time buyers in Denver and Colorado Springs to mountain-home purchases in the resort communities, we bring local guidance to the Centennial State — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Statewide
All 64 Colorado Counties
14 days*
Close In As Little As
$832,750
2026 CO Conforming Limit
5.0 ★
Google Review Rating
Colorado Markets

Local lending across
every region of Colorado.

The Front Range

Colorado's population center along I-25 — first-time buyers, new construction, and growing-family moves from Fort Collins through Denver to Colorado Springs.

  • Denver, El Paso, Boulder, Larimer counties
  • Denver, Colorado Springs, Boulder, Fort Collins
  • Aurora, Lakewood, Arvada, Westminster, Centennial
  • Castle Rock, Longmont, Loveland, Greeley
Mountain & Resort Communities

High-country second homes, luxury purchases, and investment properties across Colorado's ski towns and resort markets.

  • Eagle, Pitkin, Summit, Routt counties
  • Aspen, Vail, Breckenridge, Steamboat Springs
  • Telluride, Crested Butte, Winter Park
  • Jumbo & high-balance financing for resort markets
Western Slope & Southern Colorado

From the Grand Valley to the San Juans — primary homes, VA purchases, and value buyers across western and southern Colorado.

  • Mesa, Pueblo, La Plata, Garfield counties
  • Grand Junction, Pueblo, Durango, Montrose
  • Glenwood Springs, Cortez, Cañon City
  • VA-friendly lending near Colorado military communities
Colorado City Guides

Explore our
Front Range city pages.

Loan Programs in Colorado

Financing for every
kind of Colorado buyer.

FAQ

Colorado mortgage
questions answered.

We serve borrowers statewide across the Front Range, Colorado's mountain resort communities, and the Western Slope. That includes Denver, El Paso, Boulder, Larimer, Arapahoe, Jefferson, Adams, Douglas, Weld, Pueblo, Mesa, and every other Colorado county.
The 2026 conforming loan limit is $832,750 in most Colorado counties. It is higher across the Denver metro (Denver, Adams, Arapahoe, Douglas, and Jefferson counties at $862,500) and in Boulder County ($879,750), and higher still in mountain resort counties such as Eagle, Pitkin, Garfield, Routt, San Miguel, and Summit. Loan amounts above the applicable limit are financed as jumbo loans.
Colorado borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Colorado home journey?

Get pre-approved today — no cost, no obligation. Colorado borrowers, let's get you to the closing table.