Cedar Home Loans Blog

Governor Polis just laid out a plan to drop Colorado homeowners insurance costs by up to $800 a year. That doesn't only matter at renewal time — it changes mortgage qualification math for Colorado buyers right now.

The Fed kept its benchmark rate at 4.25% to 4.50% in late April. Mortgage rates kept drifting lower anyway — Freddie Mac's 30-year hit 6.36% on May 14. Here's what that disconnect means for Colorado borrowers right now.

Active listings across the Denver metro hit roughly 10,000 at the end of March — a 65% year-over-year jump. Median sale prices are flat for the third straight April. Here's what that combination actually means for Colorado buyers.

Bankrate's HELOC index dropped to 7.21% in May 2026, the lowest read in a year. For Coloradans sitting on a 3% or 4% first mortgage, a HELOC is almost always a better way to tap equity than a cash-out refinance.

Three of Colorado's top mountain markets are doing three different things in 2026. Aspen Q1 sales were the lowest since 2020. Vail bifurcated by price tier. Telluride keeps posting ultra-luxury volume. Here's how to finance into each one.

Inventory is up, prices are flat, rates dropped to 6.36%, and CHFA is back in front of more buyers. For the first time in three years, the math actually works for Colorado first-time buyers — if you know what to ask for.