What types of mortgage loans do you offer in Colorado?

We specialize in jumbo loans, mountain property financing, construction loans, and investment property lending across Colorado's premier communities — Vail, Telluride, Aspen, Boulder, and Breckenridge. We also offer conventional, FHA, and VA loans for a full range of buyers.

How long does the mortgage approval process take?

Our streamlined process typically takes 21-30 days from application to closing. For pre-approval, we can often provide a decision within 24-48 hours. We work efficiently to meet your closing timeline while ensuring all documentation is properly handled.

What makes Cedar Home Loans different for high-value properties?

With nearly 30 years of experience and over $1B in loans funded, we specialize in high-value mountain property transactions. We understand unique appraisal challenges, seasonal access considerations, and the nuances of jumbo underwriting that general lenders often miss.

What are current mortgage rates in Colorado?

Mortgage rates change daily based on market conditions. Contact us for current rates and personalized quotes. We offer competitive rates on jumbo and conventional products and can help you lock in your rate at the right time.

Can you help with mountain property financing?

Absolutely — it's our core expertise. We understand the unique challenges of mountain real estate including seasonal access, well and septic systems, elevation factors, and vacation rental properties. We offer specialized loan products designed for these high-value properties.

What are jumbo loan requirements in Colorado?

Jumbo loans for amounts above $1,250,000 typically require a credit score of 700-720+, down payments starting at 10%, and strong reserves. We offer competitive jumbo financing for homes in Vail, Aspen, Telluride, Denver, and across Colorado's mountain markets.

Do you finance vacation homes and investment properties?

Yes. We offer competitive financing for second homes, ski properties, and investment properties throughout Colorado's mountain communities. Whether it's a Vail ski home or a Breckenridge rental property, we have specialized programs for these property types.

What salary do you need for a $1 million mortgage?

For a $1 million mortgage at 6.5% interest, you'd need approximately $250,000-$280,000 in gross annual income depending on your other debts, down payment, and assets. Jumbo loan qualification also considers liquid reserves — typically 6-12 months of payments. Contact us for a personalized analysis.

Snow-covered Colorado mountain valley with evergreen forest

Colorado's Premier Mountain Lender

Colorado Mountain Home Loans & Jumbo Mortgages

Cedar Home Loans has financed homes in Vail, Boulder, Telluride, Denver and across Colorado since 1997. Jumbo, construction, second-home and investment lending from a local team.

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Won't affect your credit score

Quick Pre-Qualification

Takes 60 seconds — no credit impact.

4.9200+ Reviews

30Years Experience

$1B+in Loans Funded

Loan Products

Jumbo, construction, and home financing for Colorado's markets.

Jumbo & Luxury Loans

High-value mountain & luxury property financing

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Construction

Custom mountain home builds & renovations

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Investment Property

Ski rentals, vacation homes & multi-family

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Refinancing

Lower your rate or access your equity

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Home Purchase

Conventional & jumbo home loans

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HELOC

Tap into your home equity

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Why Colorado's Buyers Choose Cedar

With nearly 30 years in Colorado's mountain markets and over $1 billion in loans funded, we bring deep expertise to every high-value transaction. From Vail ski chalets to Aspen estates, we understand the nuances that national lenders miss.

Jumbo loans with competitive rates
Deep knowledge of mountain appraisal challenges
Pre-approval decisions in 24-48 hours
Local team that understands seasonal markets

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Built for Mountain Property Financing

Mountain properties aren't like other homes. Elevation, seasonal access, well and septic systems, and unique construction all require a lender who gets it. We've funded thousands of mountain property transactions across Colorado — from custom builds at 10,000 feet to investment ski condos in Breckenridge.

Whether you're purchasing a second home in Vail, building a custom estate in Telluride, or refinancing a property in Aspen, our team navigates the complexities so you can focus on finding your dream home.

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Mountain homes in Colorado Rocky Mountains

Family in their new Colorado mountain home

Simple Process

From Application to Keys in 30 Days

Our streamlined mortgage process is designed for efficiency without cutting corners. We handle the complexity of mountain property transactions so you can focus on finding your perfect home.

Get Pre-Approved

Quick pre-approval in 24-48 hours — know your budget before you shop.

Find Your Property

Work with your agent to find the right mountain home. We'll guide financing options.

Close with Confidence

Our team handles appraisals, underwriting, and closing — typically in 21-30 days.

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Estimate monthly payments and compare jumbo & conventional loan options.

Premier Colorado Markets

Financing for Colorado's most sought-after communities. We know these markets inside and out.

Denver & Metro

Cherry Creek, Highlands, Wash Park — jumbo loans for Denver's premier neighborhoods.

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Vail & Beaver Creek

Second home and ski property financing for Colorado's premier mountain resort.

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Aspen & Telluride

Jumbo financing for estates in Colorado's most exclusive communities.

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Ready to Finance Your Mountain Home?

Get pre-approved in 24 hours. Our team is standing by.

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