Loveland, CO
The straight path to a Loveland mortgage.
Real Loveland prices, real programs — first-time-buyer, conventional — matched to what your Loveland file qualifies for, in Alford Meadows and citywide.
Can Choice Home Mortgage help me buy a home in Loveland, CO?
Yes. Choice Home Mortgage helps Loveland buyers and homeowners through licensed partner brokers who handle the Colorado licensing, while we coordinate the Loveland file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For Loveland, FHFA's 2026 one-unit limit is $832,750 (Larimer County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
The Loveland market, read honestly.
Loveland occupies a structurally undersupplied position between Fort Collins’s university and tech employment and Boulder’s high-cost spillover, giving buyers access to the Northern Colorado I-25 corridor economy at below-Boulder price points — a durable geographic discount.
That Loveland market shapes the loan. In Larimer County, a Loveland one-unit purchase conforms up to 2026’s $832,750 baseline for Loveland files. Under that $832,750 line — where most Loveland purchases sit — conventional, FHA, and first-time-buyer all stay in play. Loveland sits solidly middle-of-market as a price tier. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
71,000-plus residents make Loveland home — across Alford Meadows, Old Town Loveland, and between — with Fort Collins and Longmont nearby. Loveland isn’t an abstraction to us — we know it down to the Benson Sculpture Garden. From Alford Meadows, Lakes at Centerra, Centennial Hills, and Old Town Loveland to everywhere else on the Loveland map — the financing reaches all of it. From anywhere in Loveland, the whole process runs by phone and online — local Loveland market reads included, commute not required. Across Colorado, our coverage runs 21 cities deep — and in Loveland, as everywhere, the county numbers get verified before anything is quoted.
One file, many lenders, Loveland terms.
Loveland market knowledge
Loveland pricing shifts pocket by pocket — Alford Meadows, Lakes at Centerra, Centennial Hills, near the Benson Sculpture Garden — and the loan should match the pocket you pick.
Down-payment friendly
Loveland buyers often start with first-time-buyer, conventional — we match Loveland files to the down-payment and first-time programs they qualify for.
Many lenders, one file
Loveland loans here go to whichever lender earns them — we shop the Loveland file wide.
Owner-coordinated
Esther Buede, the owner, coordinates your Loveland loan start to finish; our Google reviews show Loveland buyers why that matters.
Your Loveland loan, one owner's desk.
In Loveland, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, Lakes at Centerra or anywhere on the Loveland map, first call through keys. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Your Loveland file decides the loan.
Around the Benson Sculpture Garden, first-time-buyer remains the workhorse of Loveland lending. For Loveland we lean on first-time-buyer, conventional through our licensed partner-broker network — but whatever fits your Loveland file, we shop it: conventional, an FHA loan, non-QM, and VA. Ready or just curious — buying, refinancing your mortgage, or running scenarios — begin online or call (949) 522-7310.
The programs that come up most for Loveland buyers: conventional, first-time-buyer.
Loveland self-employed buyers get their own path here, qualifying on bank-statement income instead of W-2s. See Larimer County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Close to Loveland, we also help buyers in Fort Collins, Longmont, Greeley. More Colorado cities we work in →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Loveland, CO buyers through licensed partner brokers. Equal Housing Opportunity. No Loveland office — we work with Loveland buyers remotely.
Loveland home-loan questions, straight answers.
Is there a loan limit for Loveland purchases in 2026?
Yes. A conforming loan on a one-unit Loveland home can go up to $832,750 in 2026, which is FHFA's limit for Larimer County. Larimer County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
As a first-time buyer in Loveland, where do I start?
Start by checking which of conventional and FHA loans you qualify for, since those are the loans first-time buyers in Loveland use most. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Larimer County is $634,800, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Does it matter where in Loveland I'm buying?
No, not for the financing: we finance homes anywhere in Loveland, including Alford Meadows, Lakes at Centerra, Centennial Hills and Old Town Loveland. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. The Larimer County conforming limit for one unit is $832,750 in 2026.
Can an out-of-state broker really cover Loveland, CO?
Yes, because a licensed partner broker in Colorado originates the Loveland loan while Choice Home Mortgage, licensed in California, coordinates it. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you cover the towns around Loveland?
Yes, the towns around Loveland are covered, including Fort Collins, Longmont and Greeley. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Loveland file.
Do I ever need to visit an office for my Loveland loan?
No. A Loveland loan runs by phone and online, and Choice Home Mortgage has no local office to visit. 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.
Buying near Loveland? We cover that too
Your Loveland home is a call away.
One call with the owner — local, honest, no pressure. We'll match the program to your Loveland purchase and shop lenders for your Loveland file.