Home loans for Colorado's mountain and luxury homes

We specialize in jumbo loans, mountain property financing, construction loans, and investment property lending across Colorado's premier communities — Vail, Telluride, Aspen, Boulder, and Breckenridge. We also offer conventional, FHA, and VA loans for a full range of buyers.

Many purchase loans close in about 30–45 days; with a complete file, some close in as few as 21 days. For pre-approval, we can often provide a decision within 24-48 hours. We work to meet your closing timeline while making sure all documentation is properly handled.

Cedar Home Loans has helped Colorado buyers for over 30 years and has funded more than $1B in loans. We specialize in high-value mountain property transactions and understand unique appraisal challenges, seasonal access considerations, and the nuances of jumbo underwriting that general lenders often miss.

Mortgage rates change daily based on market conditions. Contact us for current rates and personalized quotes. We offer competitive rates on jumbo and conventional products and can help you lock in your rate at the right time.

Absolutely — it's our core expertise. We understand the unique challenges of mountain real estate including seasonal access, well and septic systems, elevation factors, and vacation rental properties. We offer specialized loan products designed for these high-value properties.

Jumbo loans are loans above your county's conforming limit ($832,750 in most Colorado counties for 2026). We focus on jumbo loans of $1.25M+. Requirements vary by lender and typically include a 700+ credit score, 10–20% down and cash reserves.

Yes. We offer competitive financing for second homes, ski properties, and investment properties throughout Colorado's mountain communities. Whether it's a Vail ski home or a Breckenridge rental property, we have specialized programs for these property types.

For a $1 million mortgage at 6.5% interest, you'd need approximately $250,000-$280,000 in gross annual income depending on your other debts, down payment, and assets. Jumbo loan qualification also considers liquid reserves — typically 6-12 months of payments. Contact us for a personalized analysis.