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Now Lending in Westminster

Westminster home loans —
between Denver and Boulder.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Westminster and the north metro. From walkable Bradburn to established homes near Standley Lake, we bring local guidance to this community halfway between Denver and Boulder — 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
North Metro
Adams & Jefferson Coverage
14 days*
Close In As Little As
$862,500
2026 Adams County Conforming Limit
5.0 ★
Google Review Rating
Westminster Markets

Local lending across
every Westminster neighborhood.

Westminster Neighborhoods

New-urbanist town centers and established lakeside neighborhoods.

  • Bradburn Village
  • Legacy Ridge & The Ranch
  • Standley Lake & Countryside
  • Westminster Station & Downtown
Halfway to Everywhere

A central north-metro location with easy access to both Denver and Boulder.

  • Equidistant to Denver & Boulder
  • US-36 & B Line commuter rail
  • Adams & Jefferson counties
  • Standley Lake Regional Park
Every Kind of Westminster Buyer

From first homes to move-up purchases with golf and lake access.

  • First-time & move-up buyers
  • Condos, townhomes & new construction
  • VA & FHA financing
  • Investment & rental properties (DSCR)
BradburnLegacy RidgeThe RanchStandley LakeCountrysideWestminster StationCotton CreekHyland HillsQuail Creek
Loan Programs in Westminster

Financing for every
kind of Westminster buyer.

FHA Loans

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

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VA Loans

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

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Conventional Loans

Fixed and ARM options within the local $862,500 conforming limit for strong-credit borrowers.

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Jumbo Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Westminster mortgage
questions answered.

We serve homebuyers and homeowners throughout Westminster and the north metro, including Bradburn, Legacy Ridge, The Ranch, Standley Lake, and Countryside, spanning Adams and Jefferson counties.
The 2026 conforming loan limit is $862,500 across the Denver metro, including Westminster. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Westminster 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 Westminster home journey?

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

Start My Application Call (561) 299-5825