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Now Lending in Laredo

Laredo home loans —
the Gateway City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Laredo and Webb County. From established central neighborhoods to new growth in North Laredo, we bring local guidance to the Gateway 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
Webb County
Laredo Coverage
14 days*
Close In As Little As
$832,750
2026 Webb County Conforming Limit
5.0 ★
Google Review Rating
Laredo Markets

Local lending across
every Laredo neighborhood.

Laredo Neighborhoods

Historic central districts and fast-growing master-planned north-side communities.

  • North Laredo
  • Del Mar
  • San Isidro
  • Downtown & Central
Gateway-City Economy

A trade-driven market anchored by the nation's busiest inland port.

  • First-time & relocation programs
  • New-construction financing
  • Webb County coverage
  • Minutes to the international bridges
Every Kind of Laredo Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • FHA & VA financing
  • New construction & townhomes
  • Investment & rental properties (DSCR)
North LaredoDel MarSan IsidroDowntownCentralPlantationAlexander areaWinfieldUnited area
Loan Programs in Laredo

Financing for every
kind of Laredo buyer.

FHA Loans

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

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VA Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Laredo mortgage
questions answered.

We serve homebuyers and homeowners throughout Laredo and Webb County, including North Laredo, Del Mar, San Isidro, and the Downtown and Central areas.
The 2026 conforming loan limit is $832,750 in Webb County, including Laredo. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Laredo 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 Laredo home journey?

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

Start My Application Call (561) 299-5825