The Longmont mortgage market
Longmont provides Boulder County access at a significant discount to Boulder proper. Popular with tech workers priced out of Boulder and families seeking more space. Steady appreciation with higher inventory than Boulder.
Longmont gives Boulder County buyers conventional and FHA pricing on properties well below the Boulder jumbo threshold.
Top loan programs in Longmont
- Conventional — commonly used by Longmont buyers in this market.
- FHA — commonly used by Longmont buyers in this market.
How much you can borrow in Longmont is set at the county level — the 2026 conforming and FHA ceilings for Boulder County determine where conventional financing ends and jumbo begins. Check the current Boulder County loan limits before you set a purchase price.
Explore loan programs in Longmont
Compare loan options
Side-by-side breakdowns for the programs Longmont buyers weigh most often.
- FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
- VA vs. FHA →Two low-down-payment options — which one costs less.
- Jumbo vs. Conventional →When a purchase price pushes you past the conforming limit.
- DSCR vs. Conventional →Qualify on rental income instead of your tax returns.
How to qualify for a mortgage in Longmont
Qualifying for a mortgage in Longmont follows the same core process as anywhere in Colorado: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Longmont mortgage
Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across Northern Colorado — including Longmont — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
What clients say about working with us near Longmont
All 203+ reviews →"This was our second time using Tayton Capital and could not be happier with our experience. All the documentation and information was clearly explained and easy to process. Highly recommend this company for future buyers!"
"Taylor simply made our American Dream come true. We are truly grateful for his effort, patience, and all the knowledge he shared with us while helping us secure our first-time home buyers mortgage loan."
Get your Longmont loan options
See what you qualify for — fast, free, no obligation.
Nearby Northern Colorado and Colorado markets
Mortgages in Greeley
Median: $395K
Mortgages in Loveland
Median: $515K
Mortgages in Telluride
Median: $2.4M
Mortgages in Montrose
Median: $465K
Mortgages in Ridgway
Median: $785K
Mortgages in Ouray
Median: $695K
Mortgages in Grand Junction
Median: $415K
Mortgages in Durango
Median: $725K