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Now Lending in El Paso

El Paso home loans —
the Sun City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across El Paso and El Paso County. From historic homes in Sunset Heights to new builds on the far East side, we bring local guidance to the Sun City — 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
El Paso County
El Paso Metro Coverage
14 days*
Close In As Little As
$832,750
2026 El Paso County Conforming Limit
5.0 ★
Google Review Rating
El Paso Markets

Local lending across
every El Paso neighborhood.

El Paso Neighborhoods

Historic central districts, Franklin Mountain foothills, and growing east-side suburbs.

  • Kern Place & Sunset Heights
  • The Upper Valley
  • Westside & Mission Valley
  • The Eastside
Borderland Stability

An affordable, steady market anchored by a strong military and cross-border economy.

  • VA & first-time programs
  • Relocation & PCS financing
  • El Paso County coverage
  • Minutes to Fort Bliss
Every Kind of El Paso Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • VA & FHA financing
  • New construction & townhomes
  • Investment & rental properties (DSCR)
Kern PlaceSunset HeightsUpper ValleyWestsideMission ValleyEastsideCentralFranklin MountainsCielo Vista
Loan Programs in El Paso

Financing for every
kind of El Paso buyer.

FHA Loans

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

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VA Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

El Paso mortgage
questions answered.

We serve homebuyers and homeowners throughout El Paso and El Paso County, including Kern Place, Sunset Heights, the Upper Valley, the Westside, and the Eastside, plus the wider Borderland.
The 2026 conforming loan limit is $832,750 in El Paso County, including El Paso. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
El Paso 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 El Paso home journey?

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

Start My Application Call (561) 299-5825