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Now Lending in Fort Collins

Fort Collins home loans —
the heart of Northern Colorado.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Fort Collins and Larimer County. From first-time buyers near CSU and Old Town to family moves in Harmony and growth communities like Windsor and Timnath, we bring local guidance to Northern Colorado — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Larimer County
Northern Colorado Coverage
14 days*
Close In As Little As
$832,750
2026 Larimer County Conforming Limit
5.0 ★
Google Review Rating
Fort Collins Markets

Local lending across
Northern Colorado.

Fort Collins Neighborhoods

From the historic core near Colorado State University to newer subdivisions on the edges of town.

  • Larimer County
  • Old Town & Campus West (CSU)
  • Midtown & Fossil Creek
  • Harmony, English Ranch, Rigden Farm
The Northern Colorado Region

Growing-family moves and new construction across the fast-growing Front Range north of Denver.

  • Loveland, Windsor, Timnath
  • Wellington, Severance, Johnstown
  • Greeley & Weld County
  • Estes Park & the mountain communities
Every Kind of Fort Collins Buyer

First-time buyers, new construction, and investment properties across Northern Colorado.

  • First-time and move-up buyers
  • New construction & growth communities
  • Investment & rental properties (DSCR)
  • Jumbo financing for luxury homes
Old TownMidtownHarmonyFossil CreekCampus WestRigden FarmEnglish RanchLovelandWindsorTimnathWellingtonSeveranceJohnstownGreeleyEstes Park
Loan Programs in Fort Collins

Financing for every
kind of Fort Collins buyer.

FAQ

Fort Collins mortgage
questions answered.

We serve homebuyers and homeowners across Fort Collins and all of Larimer County, plus the wider Northern Colorado region — including Loveland, Windsor, Timnath, Wellington, Johnstown, and Greeley.
The 2026 conforming loan limit is $832,750 in Larimer County. Loan amounts above that limit are financed as jumbo loans, which we offer for the area’s luxury and higher-priced markets.
Fort Collins 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 Fort Collins home journey?

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