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Now Lending in Loveland

Loveland home loans —
the Sweetheart City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Loveland and southern Larimer County. From the arts district downtown to new construction at Centerra and golf-course homes at Mariana Butte, we bring local guidance to the Sweetheart City — 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
Larimer County
Northern Colorado Coverage
14 days*
Close In As Little As
$832,750
2026 Larimer County Conforming Limit
5.0 ★
Google Review Rating
Loveland Markets

Local lending across
every Loveland neighborhood.

Loveland Neighborhoods

An arts-rich downtown plus golf, lake, and new-construction communities.

  • Downtown & the arts district
  • Centerra & Kinston
  • Mariana Butte & The Lakes
  • Lake Loveland & Sunset
Northern Colorado Living

Lakes, trails, and quick access to Fort Collins and the foothills.

  • Lake Loveland recreation
  • Minutes to Fort Collins
  • Larimer County schools
  • Big Thompson Canyon gateway
Every Kind of Loveland Buyer

From first homes to move-up and golf-course purchases.

  • First-time & move-up buyers
  • New construction & patio homes
  • VA & FHA financing
  • Investment & rental properties (DSCR)
CenterraMariana ButteThe LakesKinstonLake LovelandSunsetAlford LakeSeven LakesDakota Glen
Loan Programs in Loveland

Financing for every
kind of Loveland buyer.

FHA Loans

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

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VA Loans

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

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Loveland mortgage
questions answered.

We serve homebuyers and homeowners throughout Loveland and southern Larimer County, including Centerra, Mariana Butte, The Lakes, Kinston, and the Lake Loveland area, plus nearby Berthoud and Johnstown.
The 2026 conforming loan limit is $832,750 in Larimer County, including Loveland. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Loveland 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 Loveland home journey?

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

Start My Application Call (561) 299-5825