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Now Lending in Aspen

Aspen home loans —
luxury & jumbo financing.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Aspen and the Roaring Fork Valley. From West End Victorians to Red Mountain estates and Snowmass condos, we bring jumbo and luxury lending expertise to one of the world's premier resort markets — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Jumbo & Luxury
Pitkin County Resort Market
14 days*
Close In As Little As
$1,209,750
2026 Pitkin County Conforming Limit
5.0 ★
Google Review Rating
Aspen Markets

Local lending across
every Aspen neighborhood.

Aspen & the Valley

Iconic resort neighborhoods from the core to the down-valley communities.

  • West End & Aspen core
  • Red Mountain & Starwood
  • Snowmass Village
  • Down-valley to Basalt & Carbondale
A High-Cost Resort Market

A federally designated high-cost county where most purchases are jumbo.

  • Pitkin County high-cost limits
  • Second homes & vacation properties
  • Short-term rental & DSCR financing
  • Discreet service for luxury buyers
Every Kind of Aspen Buyer

Built for high-value purchases and complex borrower profiles.

  • Jumbo & super-jumbo financing
  • Second homes & estates
  • Non-QM & asset-based programs
  • Investment & rental properties (DSCR)
West EndAspen CoreRed MountainStarwoodSnowmass VillageMountain ValleyMcLain FlatsWoody CreekBasalt
Loan Programs in Aspen

Financing for every
kind of Aspen buyer.

FAQ

Aspen mortgage
questions answered.

We serve homebuyers and homeowners throughout Aspen and the upper Roaring Fork Valley, including the West End, Red Mountain, Starwood, and Snowmass Village, in Pitkin County, plus down-valley Basalt and Woody Creek.
The 2026 conforming loan limit in Pitkin County (Aspen) is $1,209,750 — above the $832,750 national baseline — because it is a federally designated high-cost area. Loan amounts above that limit are financed as jumbo loans, which we frequently use for Aspen's luxury and resort properties.
Aspen 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 Aspen home journey?

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