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Now Lending in Denver

Denver home loans —
Mile High City to the metro.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Denver and the surrounding metro. From first-time buyers in Capitol Hill and RiNo to move-up purchases in Cherry Creek and the Highlands, we bring local guidance to the Mile High City — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Denver Metro
Mile High City Coverage
14 days*
Close In As Little As
$862,500
2026 Denver County Conforming Limit
5.0 ★
Google Review Rating
Denver Markets

Local lending across
every Denver neighborhood.

Central Denver Neighborhoods

The heart of the city — historic homes, condos, and walkable infill from downtown out to the parks.

  • City and County of Denver
  • Capitol Hill, Cheesman Park, Five Points
  • RiNo, Highlands (LoHi), Berkeley, Sloan’s Lake
  • Wash Park, Cherry Creek, Park Hill
The Denver Metro

First-time buyers, new construction, and growing-family moves across the suburbs ringing the city.

  • Arapahoe, Jefferson, Adams, Douglas counties
  • Aurora, Lakewood, Arvada, Westminster
  • Centennial, Littleton, Englewood, Thornton
  • Wheat Ridge, Commerce City, Broomfield
Every Kind of Denver Buyer

From condos and townhomes to luxury single-family and investment properties across the metro.

  • First-time and move-up buyers
  • Condos, townhomes & new construction
  • Investment & rental properties (DSCR)
  • Jumbo financing for luxury homes
Capitol HillCherry CreekHighlandsRiNoFive PointsWash ParkBerkeleySloan’s LakePark HillCentral ParkAuroraLakewoodArvadaWestminsterCentennialLittletonEnglewoodThorntonWheat RidgeCommerce City
Loan Programs in Denver

Financing for every
kind of Denver buyer.

FAQ

Denver mortgage
questions answered.

We serve homebuyers and homeowners across the City and County of Denver and the entire metro, including Aurora, Lakewood, Arvada, Westminster, Centennial, Littleton, Englewood, and Thornton, spanning Denver, Arapahoe, Jefferson, Adams, and Douglas counties.
The 2026 conforming loan limit is $862,500 across the Denver metro (Denver, Adams, Arapahoe, Douglas, and Jefferson counties). Loan amounts above that limit are financed as jumbo loans, which we offer for Denver’s luxury and higher-priced markets.
Denver 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 Denver home journey?

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