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Now Lending in Boulder

Boulder home loans —
where the plains meet the Flatirons.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Boulder and Boulder County. From University Hill condos to luxury homes below the Flatirons and family moves in Louisville and Lafayette, we bring local guidance to one of Colorado’s most competitive markets — 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
Boulder County
Boulder Valley Coverage
14 days*
Close In As Little As
$879,750
2026 Boulder County Conforming Limit
5.0 ★
Google Review Rating
Boulder Markets

Local lending across
the Boulder Valley.

Boulder Neighborhoods

From walkable in-town districts to homes tucked against the foothills and open space.

  • Boulder County
  • University Hill, Chautauqua, Newlands
  • North Boulder (NoBo), Table Mesa
  • Gunbarrel, Wonderland Hills
The Surrounding Communities

Growing-family moves and new construction across the rest of Boulder County.

  • Louisville, Lafayette, Superior
  • Longmont, Erie, Niwot
  • Nederland & the mountain communities
  • Broomfield (adjacent metro)
Every Kind of Boulder Buyer

A high-value market with strong demand for jumbo, investment, and self-employed financing.

  • First-time and move-up buyers
  • Jumbo financing for luxury homes
  • Investment & rental properties (DSCR)
  • Non-QM for self-employed borrowers
University HillChautauquaNorth BoulderNewlandsTable MesaGunbarrelWonderland HillsLouisvilleLafayetteSuperiorLongmontErieNiwotNederlandBroomfield
Loan Programs in Boulder

Financing for every
kind of Boulder buyer.

FHA Loans

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

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VA Loans

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

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Conventional Loans

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

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Jumbo Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Boulder mortgage
questions answered.

We serve homebuyers and homeowners across the City of Boulder and all of Boulder County, including University Hill, North Boulder, Gunbarrel, Table Mesa, and nearby Louisville, Lafayette, Superior, Longmont, Erie, and Niwot.
The 2026 conforming loan limit is $879,750 in Boulder County. Because Boulder is a high-value market, many purchases exceed that limit and are financed as jumbo loans, which we offer for the area’s luxury homes.
Boulder 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 Boulder home journey?

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

Start My Application Call (561) 299-5825