Your Journey to Mountain Homeownership
Buying your first home in Colorado's mountains is an exciting milestone. This guide walks you through every step.
Step 1: Get Pre-Approved
Before house hunting, get pre-approved for a mortgage. At Cedar Home Loans, we provide pre-approval within 24-48 hours.
Step 2: Mountain Property Considerations
- Well and septic systems require additional inspections
- Seasonal road access affects property valuation
- Higher insurance for wildfire zones
- HOA fees for condo properties
Step 3: Down Payment Options
- FHA loans: 3.5% down
- Conventional: 3-5% down
- Colorado Housing assistance programs
- Gift funds from family
Step 4: Closing Process
Typical timeline is 30-45 days including appraisal, inspection, and final underwriting.
Contact Cedar Home Loans for your free consultation.
