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Now Lending in Arvada

Arvada home loans —
Olde Town to the foothills.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Arvada and the northwest metro. From historic bungalows near Olde Town to new construction in Candelas and Leyden Rock, we bring local guidance to this growing northwest community — 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
Northwest Metro
Jefferson & Adams Coverage
14 days*
Close In As Little As
$862,500
2026 Jefferson County Conforming Limit
5.0 ★
Google Review Rating
Arvada Markets

Local lending across
every Arvada neighborhood.

Arvada Neighborhoods

Historic charm near Olde Town and master-planned growth toward the foothills.

  • Olde Town Arvada
  • Candelas & Leyden Rock
  • Five Parks & West Woods
  • Lake Arbor & Club Crest
Connected & Convenient

Quick commutes downtown on the G Line with the foothills minutes away.

  • RTD G Line commuter rail
  • Jefferson & Adams counties
  • Close to Golden & the foothills
  • Standley Lake recreation
Every Kind of Arvada Buyer

From first homes near Olde Town to new builds with mountain views.

  • First-time & move-up buyers
  • New construction & townhomes
  • VA & FHA financing
  • Investment & rental properties (DSCR)
Olde TownCandelasLeyden RockFive ParksWest WoodsLake ArborClub CrestWhisper CreekRalston Valley
Loan Programs in Arvada

Financing for every
kind of Arvada buyer.

FHA Loans

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

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VA Loans

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

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Conventional Loans

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

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Jumbo Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Arvada mortgage
questions answered.

We serve homebuyers and homeowners throughout Arvada and the northwest metro, including Olde Town Arvada, Candelas, Leyden Rock, Five Parks, and West Woods, spanning Jefferson and Adams counties.
The 2026 conforming loan limit is $862,500 across the Denver metro, including Arvada. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Arvada 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 Arvada home journey?

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

Start My Application Call (561) 299-5825