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Now Lending in Fort Collins

Fort Collins home loans —
the heart of Northern Colorado.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Fort Collins and Larimer County. From first-time buyers near CSU and Old Town to family moves in Harmony and growth communities like Windsor and Timnath, we bring local guidance to Northern Colorado — 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
Larimer County
Northern Colorado Coverage
14 days*
Close In As Little As
$832,750
2026 Larimer County Conforming Limit
5.0 ★
Google Review Rating
Fort Collins Markets

Local lending across
Northern Colorado.

Fort Collins Neighborhoods

From the historic core near Colorado State University to newer subdivisions on the edges of town.

  • Larimer County
  • Old Town & Campus West (CSU)
  • Midtown & Fossil Creek
  • Harmony, English Ranch, Rigden Farm
The Northern Colorado Region

Growing-family moves and new construction across the fast-growing Front Range north of Denver.

  • Loveland, Windsor, Timnath
  • Wellington, Severance, Johnstown
  • Greeley & Weld County
  • Estes Park & the mountain communities
Every Kind of Fort Collins Buyer

First-time buyers, new construction, and investment properties across Northern Colorado.

  • First-time and move-up buyers
  • New construction & growth communities
  • Investment & rental properties (DSCR)
  • Jumbo financing for luxury homes
Old TownMidtownHarmonyFossil CreekCampus WestRigden FarmEnglish RanchLovelandWindsorTimnathWellingtonSeveranceJohnstownGreeleyEstes Park
Loan Programs in Fort Collins

Financing for every
kind of Fort Collins buyer.

FHA Loans

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

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VA Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Fort Collins mortgage
questions answered.

We serve homebuyers and homeowners across Fort Collins and all of Larimer County, plus the wider Northern Colorado region — including Loveland, Windsor, Timnath, Wellington, Johnstown, and Greeley.
The 2026 conforming loan limit is $832,750 in Larimer County. Loan amounts above that limit are financed as jumbo loans, which we offer for the area’s luxury and higher-priced markets.
Fort Collins 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 Fort Collins home journey?

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

Start My Application Call (561) 299-5825