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Now Lending in Vail

Vail home loans —
luxury & jumbo financing.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Vail and the Vail Valley. From ski-in condos in Vail Village and Lionshead to Beaver Creek estates and Edwards family homes, we bring jumbo and luxury lending expertise to Eagle County — 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
Jumbo & Luxury
Eagle County Resort Market
14 days*
Close In As Little As
$1,249,125
2026 Eagle County Conforming Limit
5.0 ★
Google Review Rating
Vail Markets

Local lending across
every Vail Valley neighborhood.

Vail & the Valley

Resort-core living and down-valley communities throughout Eagle County.

  • Vail Village & Lionshead
  • Beaver Creek & Bachelor Gulch
  • Edwards, Avon & Eagle-Vail
  • Cordillera & Singletree
A High-Cost Resort Market

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

  • Eagle County high-cost limits
  • Second homes & vacation properties
  • Short-term rental & DSCR financing
  • Service tailored to luxury buyers
Every Kind of Vail Buyer

Built for high-value purchases and complex borrower profiles.

  • Jumbo & super-jumbo financing
  • Ski condos, second homes & estates
  • Non-QM & asset-based programs
  • Investment & rental properties (DSCR)
Vail VillageLionsheadBeaver CreekBachelor GulchEdwardsAvonEagle-VailCordilleraSingletree
Loan Programs in Vail

Financing for every
kind of Vail buyer.

FHA Loans

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

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VA Loans

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

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Conventional Loans

Fixed and ARM options within the local $1,249,125 conforming limit for strong-credit borrowers.

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Jumbo Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Vail mortgage
questions answered.

We serve homebuyers and homeowners throughout Vail and the Vail Valley, including Vail Village, Lionshead, Beaver Creek, Avon, Edwards, and Eagle-Vail, in Eagle County.
The 2026 conforming loan limit in Eagle County (Vail) is $1,249,125 — 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 the Vail Valley's luxury and resort properties.
Vail 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 Vail home journey?

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

Start My Application Call (561) 299-5825