Boulder Home Loans & Mortgage Services
Searching for a mortgage in Boulder? Cedar Home Loans serves Boulder County with expert local knowledge. Nestled against the iconic Flatirons, Boulder combines mountain living with vibrant city amenities.
Boulder Mortgage Options
Cedar Home Loans offers these financing options for Boulder properties:
Why Choose Boulder?
Discover what makes Boulder one of Colorado's most desirable mountain communities.
300+ days of sunshine annually
Over 45,000 acres of open space and mountain parks
Vibrant Pearl Street pedestrian mall
Home to University of Colorado Boulder
Thriving tech and startup ecosystem
Farm-to-table dining scene
Popular Boulder Neighborhoods
Explore the diverse neighborhoods that make Boulder special.
Chautauqua
Historic district at the base of the Flatirons with trail access.
North Boulder
Eclectic neighborhood with mountain views and modern homes.
South Boulder
Family-friendly area with easy access to open space trails.
Boulder Mortgage FAQs
What is the average home price in Boulder?
The average home price in Boulder is approximately $1.2 million, with prices varying by neighborhood. Chautauqua and West Pearl neighborhoods often exceed $1.5 million, while North Boulder and Gunbarrel offer more affordable options starting around $600,000-$800,000.
Do you offer first-time homebuyer programs in Boulder?
Yes! We offer FHA loans (3.5% down), conventional loans with as little as 3% down, and can connect you with Boulder County down payment assistance programs. CHFA (Colorado Housing and Finance Authority) offers up to 4% down payment assistance for qualifying buyers.
Where is your Boulder office?
Our Boulder office is at 730 Maxwell Ave, Boulder, CO 80304. We serve all of Boulder County including Louisville, Lafayette, Superior, Longmont, Nederland, and Lyons. Call us at (970) 368-6135.
What salary do I need to buy a house in Boulder?
For a median-priced Boulder home around $750,000, you'd need approximately $120,000-$140,000 in annual household income with a 10% down payment. For a $1.2 million home, expect to need $180,000-$200,000+ annually. Your exact buying power depends on debts, credit score, and down payment.
Is it hard to get a mortgage in Boulder?
Not with the right lender. Boulder's market moves fast, so having a strong pre-approval is essential. Cedar Home Loans provides pre-approval in 24-48 hours and closes in as little as 21 days — giving you a competitive edge in Boulder's market. We understand local property values and can move quickly.
Do I need a jumbo loan to buy in Boulder?
It depends on the property price. In Boulder County, the conforming loan limit is $766,550 for 2024. Homes priced above that (many in central Boulder) require jumbo financing. We offer competitive jumbo loan rates with 10-20% down and 700+ credit score requirements.
Ready to Buy in Boulder?
Contact Cedar Home Loans - your trusted Boulder mortgage experts.