Colorado Home Loans

Secure, Straightforward, and Simple
By Local Colorado Property Experts

We handle complex home loans in Colorado, so you can focus on living in the Centennial State.

Local Expertise on In-State Properties

As a local lender, we know how to help clients close off-grid properties, unwarrantable condominiums, second homes, and vacation properties.

Best Options for Colorado Mortgage Loans

Over the past 20 years, we’ve helped clients find the lowest rates for Colorado properties, with zero hidden fees.

Purchase on Time

Cedar Home Loans’ local knowledge and home loan expertise allows clients to receive a custom lending solution that enables them to close on properties right on time.

Great Customer Service

Our good reputation is earned through exceptional, point-to-point customer service.

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Cedar Home Loans

We are Cedar Home Loans

As a local lender, we have 20 years of experience in helping first-time home buyers, vacation homeowners, and investors secure pre-qualification, and the best options for home loans in Colorado.

Thanks to our local knowledge and home loan expertise, we’ve helped countless clients achieve their Colorado living and investment goals.

Discover how we can help you find the best options for your home needs with a free quote, or by learning more about our services.

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Get Pre-Qualified on
All Types of Home Loans in Colorado

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Purchase a Home

Obtain your dream home with Colorado home loans that fit your budget and housing goals.

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Colorado Home Loans & Refinancing Rates

Discover the lowest home loan and refinancing rates with a quick inquiry.

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Refinance Your Property

Our local expertise allows our clients to refinance their homes and lower their monthly mortgage.

Our Process for
Colorado Secure Home Loans

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We start every application for Colorado home loans by helping clients draft a monthly payment plan and discover the loan amount they can qualify for.

Once our client gains pre-qualification, we help them apply for a final mortgage, and appraise them of documents they need to prepare.

A client’s mortgage application will be processed after they accept the loan estimate provided by their chosen lender.

Underwriters will give the final approval for a client’s loan application. Upon appraisal and approval, clients will lock in their interest rate with their lender.

Finally, clients can close on their dream property. Clients are assured that Cedar Home Loans charges the lowest closing costs in Colorado.

Frequently Asked Questions

As a mortgage broker in Colorado, we streamline our process into five steps:

  • Pre-Approval
  • Mortgage Application
  • Loan Processing
  • Underwriting
  • Closing

From your initial pre-approval to closing the deal, our team will be with you at every step to ensure a smooth and efficient experience.

Whether your dream property is a regular home, a mountain retreat, or a lovely condominium, we’ve got you covered. Our local expertise in Colorado ensures you get the right deal for every property type.

Colorado mortgage rates are available upon inquiry. Reach out to our team to find the best rates for your needs. We’ll assist you throughout the entire mortgage process.

Absolutely! We pride ourselves on offering competitive rates for refinancing properties in Colorado. Similar with our home loan process, our refinancing process follows the five steps from pre-approval to closing stage.

Qualifying for a mortgage loan involves a combination of your credit score, income, employment status, and down payment. We’re here to guide you with what requirements are needed and offer tips to enhance your eligibility.

Underwriting involves evaluating the risk of lending money to a buyer. The underwriter will assess your financial health, the property’s value, and other relevant factors to determine if you qualify for the loan and under what terms.

At Cedar Home Loans, we understand that credit scores can vary. While a higher credit score can lead to better rates, we work with individuals across a range of credit scores. Our team will work with you to explore options and find a solution that suits your situation.

The mortgage application process typically requires proof of income, tax returns, employment verification, and information about your assets and debts. Our team will provide you with a detailed list of documents needed to ensure a smooth application process.

While there might be some minimal upfront costs, such as appraisal fees, our team will provide you with a breakdown of all potential costs during the pre-approval stage.

You can start the home loan application process online through our user-friendly portal. Our team will guide you through each step and assist you with any questions you have along the way.

Closing is the final step in the home loan process. Here, all parties involved come together to finalize the deal. You’ll sign the necessary documents, settle all costs, and, once completed, receive the keys to your new property.

While the timeframe can vary based on individual circumstances, our streamlined five-step process ensures efficiency. Generally, it takes anywhere from 30 to 45 days from pre-approval to closing, but we always strive for the quickest and smoothest experience for our clients.

Our solid track record speaks for itself. Check our reviews, and you’ll find countless satisfied customers who benefited from our comprehensive refinancing services and great rates.

Yes, we do! With over 20 years of experience in the Colorado market, we have the local knowledge and expertise to assist with loans for all kinds of unique properties.

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What Our Clients Say

Contact Our Colorado Mortgage Loan Company Today

Find the best Colorado home loans and refinancing rates with a trusted local agency.

Save On Your Mortgage! Talk to Us Today!