Mortgage Lender in Colorado
Obtaining a home loan is easy when you partner with a local expert.
Ceder Home Loans has more than 20 years of experience in providing the best terms. Whether your dream property is a regular home, an off-grid, mountain property, unwarrantable condo, or one that needs a jumbo loan, we have the local knowledge to get the right deal for you.
One of the Best Mortgage Lenders in Colorado
Despite recent events, the Colorado housing market remains competitive. This is great news for prospective homeowners who want options when looking for the perfect home.
However, the competition means any application will face more scrutiny from lenders and senders. That can make the already tedious home loan process more difficult than it should be.
Cedar Home Loans is a local expert that understands the intricacies of home loans. We have 20 years of experience in helping clients close on time. Our company handles complex home loans so you can focus on Colorado living.
Our Process
- 1. Pre-Approval
- 2. Mortgage Application
- 3. Loan Processing
- 4. Underwriting
- 5. Closing
Why Work With Us Over Other Mortgage Lenders in Colorado
We pride ourselves on having local expertise on properties in Boulder, Summit, Eagle, San Miguel County, and beyond.
Our CEO, Andrew McBryan, is known for finding the best mortgage solutions for home purchases in the Centennial State.
As Colorado mortgage lenders, we offer direct lending solutions for Colorado living and investment.
What Our Clients Say
| Loan Types | Property Types |
|---|---|
| Conventional | Single Family Residence |
| Jumbo | Condo |
| FHA | Non Warrantable Condo |
| USDA | Condo-tel |
| VA Jumbo | 2-4 Unit |
| DSCR Investor Loans | Off Grid |
| Construction | |
| Self Employed Loans |
Frequently Asked Questions
While the housing market in Colorado is competitive, you have an edge with Cedar Home Loans. Our knowledge and experience ensure your application stands out, maximizing your chances of securing the home of your dreams.
Complex home loans refer to scenarios involving unique property types, challenging credit histories, high loan amounts, or other situations requiring special attention and expertise. At Cedar Home Loans, we specialize in handling these intricacies to ensure your seamless purchase journey.
We recommend beginning your home loan process even before you finalize a property. Getting pre-approved gives you a competitive in a bustling market like Colorado’s.
Getting pre-approved for a home loan offers several advantages. It shows sellers that you’re a serious buyer, gives you a clear understanding of your budget, and allows you to make confident offers on properties you’re interested in.
The down payment is a percentage of the property’s purchase price that you pay upfront. Cedar Home Loans offers various down payment options. We’ll help you understand the requirements based on the type of loan you’re seeking and your financial situation.
Private Mortgage Insurance (PMI) is typically required if your down payment is less than 20% of the home’s purchase price. It protects the lender in case you default on the loan. Our team can explain PMI in detail and discuss options to manage it effectively.
Choosing the right mortgage depends on your financial goals and situation. Cedar Home Loans offers a variety of mortgage options, including fixed-rate and adjustable-rate mortgages. Our team will assess your needs to help you make an informed decision.
Absolutely, making additional payments towards your mortgage can help you pay off your loan faster and save on interest. Cedar Home Loans provides flexibility in managing your mortgage, and our team can guide you on making extra payments effectively.
If you face financial challenges after purchasing a property, reach out to our team. We offer solutions and guidance to help you navigate difficult times, such as refinancing or modifying your loan.
Property taxes and homeowner’s insurance can be included in your monthly mortgage payments through an escrow account. Cedar Home Loans can help you understand how these costs are calculated and managed, giving you a clear picture of your monthly obligations.
Yes, self-employed individuals can apply for a home loan with Cedar Home Loans. Our team has experience working with self-employed applicants and can guide you through the documentation and qualification process.
A loan officer is your dedicated guide throughout the mortgage process. They assist you in choosing the right loan, gather your documentation, submit your application, and provide updates as your loan progresses, ensuring a smooth experience from start to finish.
Start your journey with one of the best mortgage lenders in Colorado.
