Telluride Home Loans & Mortgage Services
Looking for a mortgage in Telluride? Cedar Home Loans specializes in Telluride home financing. Nestled in a box canyon surrounded by 13,000-foot peaks, Telluride offers Victorian charm, world-class skiing, and breathtaking mountain views. We understand Telluride's unique real estate market.
Telluride Mortgage Options
Cedar Home Loans offers these financing options for Telluride properties:
Why Choose Telluride?
Discover what makes Telluride one of Colorado's most desirable mountain communities.
Historic Victorian architecture
World-class ski resort with no lift lines
Festival capital of Colorado
Free gondola transportation system
Abundant outdoor recreation opportunities
Pristine alpine environment
Popular Telluride Neighborhoods
Explore the diverse neighborhoods that make Telluride special.
Mountain Village
Contemporary mountain luxury with ski-in/ski-out access.
Historic Downtown
Victorian charm with colorful buildings and rich history.
Hillside
Elevated homes with panoramic views of the box canyon.
Telluride Mortgage FAQs
What is the average home price in Telluride?
The average home price in Telluride is approximately $2.5 million, with properties ranging from condos starting around $500,000 to luxury mountain estates exceeding $10 million. Mountain Village properties tend to be higher due to ski-in/ski-out access.
Do you offer jumbo loans for Telluride properties?
Yes, Cedar Home Loans specializes in jumbo loans for Telluride's high-value properties. Since most Telluride homes exceed the conforming loan limit, jumbo financing is essential. We offer competitive rates, flexible terms, and typically require 10-20% down with a 700+ credit score.
Can I finance a vacation home in Telluride?
Absolutely! We have extensive experience with second home and vacation property financing in Telluride and Mountain Village. Second home loans typically require 10-20% down and slightly higher rates than primary residences.
What credit score do I need to buy a home in Telluride?
For jumbo loans (needed for most Telluride properties), you typically need a 700-720+ credit score with 10-20% down. Conventional loans require 620+, and FHA requires 580+. Higher scores qualify for better rates — a 740+ score gets the best pricing.
How much do I need for a down payment on a Telluride home?
For a typical Telluride property priced at $2.5 million, you'd need 10-20% down ($250,000-$500,000) for a jumbo loan. Lower-priced condos may qualify for conventional financing with as little as 5% down. We can help you explore all options including potential down payment strategies.
Does Cedar Home Loans have a Telluride office?
Yes, our main office is located at 220 E Colorado Ave Suite #200, Telluride, CO 81435. We're centrally located in downtown Telluride and serve the entire San Miguel County region. Call us at (970) 368-6135.
Ready to Buy in Telluride?
Contact Cedar Home Loans - your trusted Telluride mortgage experts.