A local Colorado mortgage company that answers the phone

Cedar Home Loans is a local Colorado mortgage company that has been helping Colorado buyers for over 30 years, led by Andrew McBryan. You work directly with an experienced loan officer rather than a call center, and we compare options across multiple lenders. We know Colorado real estate from the Denver suburbs to mountain resort communities.

We compare pricing across multiple wholesale lenders to find a competitive option for your situation. Rates change daily based on the market, your credit score, down payment and loan type. Call (303) 549-5277 for today's pricing or start your application for a personalized quote.

Start the online application or call (303) 549-5277. We'll review your income, assets and credit and issue a pre-approval letter, often within a day once we have your documents. A full pre-approval includes a credit check.

Yes. We help buyers use Colorado Housing and Finance Authority (CHFA) down payment assistance and other programs where they're eligible. Income limits and other requirements apply, and assistance programs usually come with a higher first-mortgage rate, so we'll compare the full cost with and without it.

Yes. With offices in Vail and Telluride, we regularly finance mountain homes and resort condos and understand seasonal access, well and septic systems, and condo warrantability in ski areas.

Many purchase loans close in about 30–45 days. With a complete file and a responsive title company, some close in as few as 21 days.