Home Purchase Loans
Specialized financing solutions for your Colorado mountain dream home.
Find Your Perfect Mountain Home Loan
At Cedar Home Loan, we understand that purchasing a mountain property comes with unique considerations. Our specialized home purchase loans are designed to address the specific needs of Colorado mountain property buyers.
Our Home Purchase Loan Options
We offer a variety of loan programs to meet your specific needs and financial situation.
Conventional Loans
Traditional financing with competitive rates and flexible terms for primary and secondary homes.
- Down payments as low as 3%
- Competitive interest rates
- Flexible terms available
- Primary and second homes
FHA Loans
Government-backed loans with lower down payment requirements and more flexible credit guidelines.
- Down payments as low as 3.5%
- More flexible credit requirements
- Lower closing costs
- Perfect for first-time buyers
Jumbo Loans
Specialized financing for high-value mountain properties above conventional loan limits.
- Higher loan amounts
- Competitive rates
- Flexible qualification options
- Luxury property expertise
VA Loans
Exclusive loans for veterans and active-duty military with excellent benefits and terms.
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Flexible credit requirements
USDA Loans
Zero down payment loans for eligible rural and suburban mountain properties.
- No down payment required
- Lower mortgage insurance
- Competitive interest rates
- Income limitations apply
Portfolio Loans
Custom financing solutions for unique mountain properties and situations.
- Flexible underwriting
- Non-warrantable condos
- Unique property types
- Self-employed borrowers
Our Home Purchase Process
We've streamlined our process to make your mountain home purchase as smooth as possible.
Pre-Approval
Get pre-approved to understand your budget and strengthen your buying position.
Home Shopping
Find your dream mountain home with the confidence of knowing your budget.
Loan Processing
We'll handle the paperwork and coordinate with all parties involved.
Closing
Sign your final documents and get the keys to your new mountain home.
Ready to Start Your Mountain Home Journey?
Our team of mountain property experts is ready to help you find the perfect financing solution.