Colorado home loans
Home loans for buying anywhere in Colorado
From a first condo in Denver to a cabin in Summit County, we'll match you with the loan that fits your down payment, credit and property.
- 4.9 from 60+ Google reviews
- $1B+ funded
- 30+ years of experience
Colorado home loan options
We compare programs across multiple lenders so you can see real numbers side by side.
Conventional loans
As little as 3% down for qualified buyers, for primary and second homes.
Conventional loans detailsFHA loans
3.5% down with a 580+ credit score, and gift-friendly down payment rules.
FHA loans detailsVA loans
No down payment with full entitlement and no monthly mortgage insurance. Competitive rates.
VA loans detailsJumbo loans
For loans above your county's conforming limit, including luxury and mountain homes.
Jumbo loans detailsConstruction loans
Finance building a Colorado home, including construction-to-permanent options.
Construction loans detailsRefinancing
Change your rate or term, or take cash out of your equity.
Refinancing details2026 conforming loan limits
Conventional loans go up to your county's limit for a single-family home. Above it, you'll need a jumbo loan.
- Most Colorado counties
- $832,750
- Denver metro
- $862,500
- Boulder County
- $879,750
- Summit County
- $1,092,500
- Pitkin County (Aspen)
- $1,209,750
- Eagle County (Vail)
- $1,249,125
How buying with us works
- 1
Get pre-approved
We review your income, assets and credit and issue a pre-approval letter.
- 2
Compare loan options
See the monthly payment and cash to close for each program you qualify for.
- 3
Make an offer
Your pre-approval shows sellers you're ready.
- 4
Appraisal and underwriting
We keep the file moving and tell you what's needed, when.
- 5
Close
Many purchases close in 30–45 days; as few as 21 with a complete file.
See what you might qualify for
Share a few details and a loan officer will follow up with options for your purchase.
- Know your budget before you start touring homes
- Compare programs side by side
- Talk to a local loan officer, not a call center
Quick pre-qualification
Takes about a minute. Checking your options won't affect your credit score.
Colorado home loan questions
It depends on your credit, savings and income. FHA loans allow 3.5% down with flexible credit guidelines. Conventional loans allow as little as 3% down for qualified buyers. VA loans allow no down payment for eligible veterans. We also help first-time buyers use down payment assistance programs such as CHFA's.
Rates change daily and depend on loan type, credit score, down payment and property type. Call Cedar Home Loans at (303) 549-5277 for today's pricing and a quote for your situation.
VA loans allow no down payment for eligible veterans with full entitlement. FHA loans require 3.5% down with a 580+ score. Conventional loans start at 3% down for qualified buyers. Jumbo loans — loans above your county's conforming limit, which is $832,750 in most Colorado counties in 2026 — typically need 10–20% down.
Many purchase loans close in about 30–45 days. With a complete file and a responsive title company, some close in as few as 21 days. Getting pre-approved before you shop helps keep the timeline on track.
Yes. We finance rental homes, vacation rentals and 2–4 unit properties. Conventional investment loans typically need 15–25% down and are priced higher than primary-residence loans. DSCR loans that qualify on the property's rent are also available.
Yes. We finance homes throughout Colorado's mountain communities and understand issues like seasonal access, well and septic systems, and condo warrantability in resort areas.
Ready to buy in Colorado?
Get pre-approved in a few minutes, or call Andrew to talk through your purchase.