Luxury Mountain
Home Financing
Your dream mountain home starts here.
Won't affect your credit score
Quick Pre-Qualification
Takes 60 seconds — no credit impact.
Equal HousingLuxury Loan Products
Jumbo, construction, and luxury home financing for Colorado's mountain markets.
Jumbo & Luxury Loans
High-value mountain & luxury property financing
Learn more about Jumbo & Luxury Loans
Construction
Custom mountain home builds & renovations
Learn more about Construction
Investment Property
Ski rentals, vacation homes & multi-family
Learn more about Investment Property
Refinancing
Lower your rate or access your equity
Learn more about RefinancingHome Purchase
Conventional & jumbo home loans
Learn more about Home Purchase
HELOC
Tap into your home equity
Learn more about HELOCWhy Colorado's Luxury Buyers Choose Cedar
With nearly 30 years in Colorado's mountain markets and over $1 billion in loans funded, we bring deep expertise to every high-value transaction. From Vail ski chalets to Aspen estates, we understand the nuances that national lenders miss.
- Jumbo loans up to $5M+ with competitive rates
- Deep knowledge of mountain appraisal challenges
- Pre-approval decisions in 24-48 hours
- Local team that understands seasonal markets
Built for Mountain Property Financing
Mountain properties aren't like other homes. Elevation, seasonal access, well and septic systems, and unique construction all require a lender who gets it. We've funded thousands of mountain property transactions across Colorado — from custom builds at 10,000 feet to investment ski condos in Breckenridge.
Whether you're purchasing a second home in Vail, building a custom estate in Telluride, or refinancing a luxury property in Aspen, our team navigates the complexities so you can focus on finding your dream home.
From Application to Keys in 30 Days
Our streamlined mortgage process is designed for efficiency without cutting corners. We handle the complexity of mountain property transactions so you can focus on finding your perfect home.
Get Pre-Approved
Quick pre-approval in 24-48 hours — know your budget before you shop.
Find Your Property
Work with your agent to find the right mountain home. We'll guide financing options.
Close with Confidence
Our team handles appraisals, underwriting, and closing — typically in 21-30 days.
Mortgage Calculator
Estimate monthly payments and compare jumbo & conventional loan options.
Premier Colorado Markets
Luxury financing for Colorado's most sought-after mountain communities. We know these markets inside and out.
Ready to Finance Your Mountain Home?
Get pre-approved in 24 hours. Our luxury mountain property experts are standing by.