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Now Lending in Durango

Durango home loans —
Southwest Colorado.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Durango and La Plata County. From historic downtown to the Animas Valley and Three Springs, we bring local guidance to this San Juan Mountains gateway — 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
La Plata County
Southwest Colorado Coverage
14 days*
Close In As Little As
$832,750
2026 La Plata County Conforming Limit
5.0 ★
Google Review Rating
Durango Markets

Local lending across
every Durango neighborhood.

Durango Neighborhoods

Historic in-town living plus river-valley and mesa-top communities.

  • Historic Downtown & East Animas
  • Animas Valley & North Durango
  • Three Springs & Grandview
  • Durango West & Rafter J
Mountain-Town Lifestyle

A second-home and recreation market in the heart of the San Juans.

  • Purgatory Resort & the San Juans
  • Durango & Silverton railroad
  • Fort Lewis College
  • Animas River trails & rafting
Every Kind of Durango Buyer

From primary residences to second homes and short-term rentals.

  • Primary & move-up buyers
  • Second homes & vacation properties
  • Jumbo financing for luxury homes
  • Investment & rental properties (DSCR)
DowntownAnimas ValleyThree SpringsGrandviewDurango WestRafter JEdgemontSkyridgeHermosa
Loan Programs in Durango

Financing for every
kind of Durango buyer.

FHA Loans

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

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VA Loans

0% down for Durango'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 Durango's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Durango mortgage
questions answered.

We serve homebuyers and homeowners throughout Durango and La Plata County, including Historic Downtown, the Animas Valley, Three Springs, Grandview, and Durango West, plus nearby Bayfield and Hermosa.
The 2026 conforming loan limit is $832,750 in La Plata County, including Durango. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and resort properties.
Durango 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 Durango home journey?

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

Start My Application Call (561) 299-5825