Unlock the power of your mountain home's equity
Access up to 90% of your home's equity with competitive rates and flexible terms designed for Colorado mountain properties.
Checking your rate will not affect your credit score
Rates as low as
6.25% APR
Access up to 90% of your home's equity
Tap into your mountain property's value with higher loan-to-value ratios than traditional lenders.
Consolidate high-interest debt
Combine multiple debts into a single, lower-interest payment and save thousands.
Fund home improvements
Increase your mountain home's value with renovations, additions, or energy-efficient upgrades.
Home Equity Solutions Designed for Mountain Properties
Choose the option that best fits your needs and goals.
Home Equity Line of Credit (HELOC)
A flexible line of credit that allows you to borrow against your home's equity as needed, with interest-only payments during the draw period.
Getting Started is Easy
Our streamlined process makes accessing your home's equity simple and fast.
Apply Online
Complete our simple online application in as little as 10 minutes.
Property Evaluation
We'll assess your mountain property's value with our local expertise.
Approval Process
Receive a decision within 48 hours of completing your application.
Access Funds
Receive your lump sum and start your project.
Calculate Your Potential
See how much you could borrow and what your payments might be.
Home Equity Calculator
Your Potential Equity
Available Equity
$150,000
Estimated Rate
6.25% APR
Monthly Payment
$781.25
This is an estimate based on the information provided. Actual rates and terms may vary based on credit approval and property valuation.
What Our Clients Say
Hear from mountain homeowners who have unlocked their home's equity with Cedar Home Loan.
"The HELOC process was incredibly smooth. Andrew understood the unique aspects of our mountain property and got us approved quickly."
Michael T.
Vail, CO
"We used our home equity loan to renovate our kitchen and add a deck. The fixed rate gave us peace of mind for budgeting."
Sarah L.
Telluride, CO
"Cedar Home Loan offered us a much higher LTV than other lenders, allowing us to consolidate debt and still have funds for improvements."
David & Jennifer K.
Breckenridge, CO
Frequently Asked Questions
Get answers to common questions about our home equity solutions.
What's the difference between a HELOC and a home equity loan?
A HELOC provides a revolving line of credit that you can draw from as needed during the draw period, with variable interest rates. A home equity loan gives you a lump sum upfront with a fixed interest rate and fixed monthly payments.
How much equity can I access?
With Cedar Home Loan, you can typically access up to 90% of your mountain home's value, minus your current mortgage balance. This is higher than many traditional lenders offer for mountain properties.
What can I use my home equity for?
You can use your home equity for virtually any purpose, including home improvements, debt consolidation, education expenses, emergency funds, or investment opportunities.
Are there any special considerations for mountain properties?
Yes, mountain properties often have unique characteristics that can affect valuation and lending criteria. Our expertise in Colorado mountain real estate allows us to navigate these considerations effectively.
How long does the approval process take?
Most applications receive a decision within 48 hours, with funding available in as little as 2-3 weeks, depending on the complexity of your property and application.
Are there any fees associated with home equity products?
There may be closing costs similar to those of a mortgage, including appraisal fees, title search, and origination fees. We'll provide a detailed breakdown of all costs before you commit.
Ready to Unlock Your Home's Potential?
Start your application today and access your mountain home's equity with competitive rates and expert guidance.