Home › Colorado Home Loans › Centennial Home Loans
Now Lending in Centennial

Centennial home loans —
the south metro family suburb.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Centennial and the south metro. From move-up homes in the Cherry Creek School District to townhomes near the Denver Tech Center, we bring local guidance to one of the metro's most sought-after suburbs — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
South Metro
Arapahoe County Coverage
14 days*
Close In As Little As
$862,500
2026 Arapahoe County Conforming Limit
5.0 ★
Google Review Rating
Centennial Markets

Local lending across
every Centennial neighborhood.

Centennial Neighborhoods

Well-established, family-oriented neighborhoods with top-rated schools.

  • The Streets at SouthGlenn
  • Willow Creek & Walnut Hills
  • Foxfield & Piney Creek
  • Smoky Hill & Cherry Creek Vista
Schools, Jobs & Lifestyle

Prized for its schools and proximity to the south-metro employment hub.

  • Cherry Creek & Littleton schools
  • Minutes to the Denver Tech Center
  • Arapahoe County
  • Light rail & E-470 access
Every Kind of Centennial Buyer

From growing families to move-up and luxury buyers.

  • Move-up & growing-family buyers
  • New construction & townhomes
  • Jumbo financing for higher-priced homes
  • Investment & rental properties (DSCR)
SouthGlennWillow CreekWalnut HillsFoxfieldPiney CreekSmoky HillCherry Creek VistaHomesteadHeritage
Loan Programs in Centennial

Financing for every
kind of Centennial buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Centennial homebuyers.

Learn more →
VA Loans

0% down for Centennial's veterans and active-duty service members. No monthly mortgage insurance.

Learn more →
Conventional Loans

Fixed and ARM options within the local $862,500 conforming limit for strong-credit borrowers.

Learn more →
Jumbo Loans

High-balance financing for Centennial's luxury and higher-priced markets above conforming limits.

Learn more →
DSCR Loans

Qualify on rental income to scale your Centennial investment-property portfolio.

Learn more →
Non-QM Loans

Bank statement and alternative-doc programs for Centennial's self-employed borrowers.

Learn more →
FAQ

Centennial mortgage
questions answered.

We serve homebuyers and homeowners throughout Centennial and the south metro, including The Streets at SouthGlenn, Willow Creek, Foxfield, Piney Creek, and Smoky Hill, in Arapahoe County.
The 2026 conforming loan limit is $862,500 across the Denver metro, including Centennial. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Centennial 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 Centennial home journey?

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

Start My Application Call (561) 299-5825