Home › Colorado Home Loans › Longmont Home Loans
Now Lending in Longmont

Longmont home loans —
Boulder County value.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Longmont and the St. Vrain Valley. From historic Old Town to new construction and the design-forward Prospect neighborhood, we bring local guidance to Boulder County's most attainable market — 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
St. Vrain Valley
Boulder County Coverage
14 days*
Close In As Little As
$879,750
2026 Boulder County Conforming Limit
5.0 ★
Google Review Rating
Longmont Markets

Local lending across
every Longmont neighborhood.

Longmont Neighborhoods

Historic Old Town charm alongside fresh new-construction communities.

  • Old Town Longmont
  • Prospect New Town
  • Southmoor Park & Lefthand Creek
  • Renaissance & Somerset Meadows
Boulder County, Better Value

The same county and access, often at a more attainable price than Boulder.

  • Boulder County address & schools
  • Tech & aerospace employers
  • Diagonal Highway to Boulder
  • St. Vrain Greenway & open space
Every Kind of Longmont Buyer

From first-time buyers priced out of Boulder to move-up families.

  • First-time & move-up buyers
  • New construction & townhomes
  • VA & FHA financing
  • Investment & rental properties (DSCR)
Old TownProspectSouthmoor ParkRenaissanceSomerset MeadowsLefthand CreekQuail CrossingFox HillMountain Brook
Loan Programs in Longmont

Financing for every
kind of Longmont buyer.

FHA Loans

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

Learn more →
VA Loans

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

Learn more →
Conventional Loans

Fixed and ARM options within the local $879,750 conforming limit for strong-credit borrowers.

Learn more →
Jumbo Loans

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

Learn more →
DSCR Loans

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

Learn more →
Non-QM Loans

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

Learn more →
FAQ

Longmont mortgage
questions answered.

We serve homebuyers and homeowners throughout Longmont and the St. Vrain Valley, including Old Town, Prospect New Town, Southmoor Park, and Renaissance, in Boulder County, plus nearby Niwot, Mead, and Frederick.
The 2026 conforming loan limit is $879,750 in Boulder County, including Longmont. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Longmont 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 Longmont home journey?

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

Start My Application Call (561) 299-5825