Longmont, CO
Longmont home financing, minus the runaround.
Your Longmont purchase, financed on your terms — conventional, first-time-buyer, high-balance — with the Longmont legwork handled from Old Town Longmont on out.
Who can help me get a mortgage in Longmont, CO?
Choice Home Mortgage can. We arrange Longmont home loans through licensed partner brokers in Colorado and coordinate each Longmont file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
The 2026 conforming limit for a one-unit Longmont home is $879,750 (Boulder County, per FHFA). We start every Longmont file by placing the price against that number, then handle the application, documents and updates by phone and online.
Longmont home loans, the honest version.
Longmont sits at the foot of the Front Range, 15 minutes from Boulder and 40 from Denver, giving buyers proximity to two employment centers without Boulder prices; Seagate, GE Aviation, and IBM campuses anchor a workforce not dependent on a single sector.
So the Longmont strategy starts with the market, not the rate sheet. On a one-unit Longmont home, conforming reaches $879,750 for 2026 — the high-cost ceiling Boulder County carries. So many Longmont buyers use high-balance or jumbo financing — knowing where a Longmont purchase lands against that $879,750 line is half the work. As a market, Longmont runs solidly middle-of-market — consistent with Boulder County’s high-cost status. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Call it 89,000-plus people: Longmont runs from Old Town Longmont to Quail Ridge, and Boulder and Loveland sit just outside the line. We can talk Longmont down to the blocks around the Callahan House in Old Town. Old Town Longmont, McIntosh Lake, Prospect New Town, and Quail Ridge — we finance homes in each of them, and everywhere else Longmont reaches. Longmont buyers reach us in one call; the loan runs online from there, with the Longmont market knowledge built in. We work 21 cities across Colorado; Longmont gets the same discipline as all of them — verify the Longmont numbers, then shop the loan.
Longmont deserves a real broker.
Longmont market knowledge
From the Callahan House in Old Town across Old Town Longmont, McIntosh Lake, Prospect New Town, we keep tabs on what Longmont homes actually go for and which programs carry them.
First Longmont home help
Conventional, first-time-buyer, high-balance carry most Longmont purchases — and we check every assistance program a Longmont file qualifies for.
We shop; you choose
A Longmont mortgage should be bid on. We take your Longmont file to many lenders and let the best terms win.
The owner, coordinating
Owner Esther Buede coordinates every Longmont file herself, one point of contact from your first Longmont call to your closing.
The owner coordinates your file. Personally.
Your Longmont file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Longmont, McIntosh Lake included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Your Longmont file decides the loan.
Longmont keeps us busy with conventional files — the draw of the Callahan House in Old Town doesn’t hurt. Through licensed partner brokers, Longmont buyers lean on conventional, first-time-buyer, high-balance most — and whatever else the Longmont numbers call for: conventional, FHA loans, non-QM, and VA. Jump in at any stage: buying, exploring a refinance, or just running numbers — start your application here or call (949) 522-7310.
Longmont buyers most often work with high-balance, conventional, first-time-buyer.
Longmont self-employed buyers get their own path here, qualifying on 1099 income instead of W-2s; Longmont investors have no-income investor financing too. Want every unit count, not just single-family? Boulder County’s 2026 loan limits page has the full table.
And around Longmont: Boulder, Loveland, Broomfield are all in reach. All our Colorado coverage, city by city →
For Longmont, CO: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve this area; we do not maintain a Longmont office.
Straight answers for Longmont buyers.
Where does the Longmont conforming loan limit sit for 2026?
In Longmont, a one-unit home can carry a conforming loan of up to $879,750 for 2026, under FHFA's limit for Boulder County. Boulder County is a high-cost area, so a loan between the $832,750 national baseline and $879,750 is high-balance conforming, and anything above $879,750 is jumbo.
Do Longmont first-time buyers have good loan options?
Yes. First-time buyers in Longmont can choose from conventional and FHA loans, and down-payment assistance where they qualify. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Boulder County is $879,750. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Are certain Longmont neighborhoods outside your coverage?
No. Every Longmont neighborhood is covered, Old Town Longmont, McIntosh Lake, Prospect New Town and Quail Ridge included. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. The Boulder County conforming limit for one unit is $879,750 in 2026.
I'm buying in Longmont, CO: can you handle it?
Yes. A licensed partner broker in Colorado originates the Longmont loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Longmont office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Can you help outside Longmont too?
Yes. Our coverage goes past Longmont to Boulder, Loveland and Broomfield. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Longmont file. The Boulder County conforming limit for one unit is $879,750 in 2026.
How do we work together on a Longmont purchase?
We start with a call to map your Longmont purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Colorado licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Let's finance your Longmont home.
Tell us where in Longmont you're headed — the program match and the Longmont lender legwork are on us.