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.
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. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
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-handled
In Loveland you get the owner, Esther Buede, personally — no queue for Loveland files, and the Loveland attention shows in our reviews.
Your Loveland loan, one owner's desk.
Owner Esther Buede (individual NMLS #2003644) has closed loans since 2005, and in Loveland she’s the one on 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, FHA, non-QM, and VA. Ready or just curious — buying, refinancing, or running scenarios — begin online or call (949) 522-7310.
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?
A Loveland single-family loan conforms up to $832,750 in 2026 — Larimer County uses the national baseline. FHFA sets the figure; we'll place your Loveland numbers against it.
I'm a first-time buyer in Loveland — where do I start?
Conventional, first-time-buyer do the heavy lifting for Loveland first-timers. We sort which fit your numbers, plus any assistance your Loveland file earns.
Does it matter where in Loveland I'm buying?
We work Loveland citywide — Alford Meadows, Lakes at Centerra, Centennial Hills, Old Town Loveland included. Where in Loveland you buy doesn't change how hard we shop.
Can an out-of-state broker really cover Loveland, CO?
We're licensed in California (NMLS #2629064) and team with licensed partner brokers for CO, so a Loveland buyer gets the same many-lenders shopping with the licensing handled properly.
Do you cover the towns around Loveland?
We do: buyers in Fort Collins, Longmont, Greeley work with us like Loveland buyers do, local limits checked for each.
Do I ever need to visit an office for my Loveland loan?
Everything runs by phone and online: application, documents, updates. We coordinate your Loveland purchase with our licensed partner brokers handling the CO side — no office visit involved.
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.