Colorado Mortgage CompanyLocal Experts. Competitive Rates.
Cedar Home Loans is a trusted Colorado mortgage company helping buyers, homeowners, and investors secure the right mortgage since 1997. Get pre-approved in 24 hours.
4.9/5 Rating
200+ Reviews
Est. 1997
Colorado Mortgage Company
24-Hour
Pre-Approval
NMLS #1660298
Licensed in Colorado
Why Choose Cedar as Your Colorado Mortgage Company?
We're not a call center. We're a local Colorado mortgage company where you work directly with an experienced loan officer from application to closing.
As a Colorado mortgage company with access to multiple wholesale lenders, we shop the market so you don't have to—delivering competitive rates that save you thousands.
Our team lives and works in Colorado. From Denver metro neighborhoods to Vail's luxury mountain market, we know Colorado real estate and mortgage financing inside out.
Our Colorado mortgage company handles processing and underwriting in-house, so we close most loans in 21–30 days. Pre-approval within 24 hours of application.
Colorado Mortgage Products We Offer
As a full-service Colorado mortgage company, we offer every loan type to fit your needs— whether you're buying, building, or refinancing.
Colorado conventional mortgages with competitive rates and flexible down payment options from 3%.
- 3–20% down payment
- Flexible loan terms
- Primary & second homes
Government-backed Colorado mortgages ideal for first-time buyers with 3.5% down and flexible credit.
- 3.5% down payment
- Flexible credit requirements
- Gift funds allowed
Zero down payment Colorado mortgages exclusively for veterans and active-duty military members.
- 0% down payment
- No PMI required
- Lowest available rates
Colorado jumbo mortgages over $766,550 for luxury homes and high-value mountain properties.
- High-value financing
- Competitive jumbo rates
- Mountain property experts
Lower your Colorado mortgage rate or tap your home equity with a cash-out refinance.
- Rate & term refinance
- Cash-out options
- Fast closing
Build your Colorado dream home with our single-close construction-to-permanent mortgage.
- One-time close
- Interest-only during build
- Flexible draw schedule
Start Your Colorado Mortgage Today
Get pre-approved by a trusted Colorado mortgage company in 24 hours or less. No obligation, no hard credit pull until you're ready to move forward.
- Free pre-approval—no obligation
- Know your Colorado mortgage budget upfront
- Strengthen your offer in a competitive market
- Lock in today's Colorado mortgage rate
Quick Pre-Qualification
Takes 60 seconds — no credit impact.
Colorado Mortgage Company Serving All of Colorado
From the Front Range to the Western Slope, we're your local Colorado mortgage company in every community.
What Our Colorado Mortgage Customers Say
Colorado Mortgage Company FAQs
Common questions about working with a Colorado mortgage company.
Frequently Asked Questions
Ready to Work with Colorado's Trusted Mortgage Company?
Contact Cedar Home Loans today. Get pre-approved in 24 hours, secure a competitive Colorado mortgage rate, and close with confidence.