01Buy a home
A place that feels like yours.
First home? More room? A move to Colorado? Start with a payment you can live with, then work back to your buying plan.
Explore buying
Strategic Financing.
Smarter Moves.
Happier Homeowners.
Buy or Refinance with Confidence.
Build a home financing plan around your goals and lifestyle.
Ready to apply? Start your loan application.
Your questions. Clear answers.
Eliminate the Guesswork.
Buying a home or refinancing shouldn’t feel like you’re in a suspense film.
Every situation is unique. Skip the basic cookie-cutter pitch and get a customized breakdown of your best loan options, interest rates, cash needed, and monthly costs.
No guesswork. No plot twists. No surprises.
Ready for clear answers?Start with your goal
What does your next move look like?
Your mortgage should fit the life you’re planning. Start with the right guide, or talk with us if you’re still deciding.
01
02Refinance with a purpose
Make the numbers earn their keep.
A lower payment, a different term, or cash for a goal. Compare the costs and savings before changing your mortgage.
Explore refinancing
03Put your equity to work
What could your home help you do?
A renovation. Another property. A bigger financial plan. See how an equity loan or HELOC fits your budget.
Explore home equityThe Cederholm Advantage
Smart Home Financing Begins with Strategy
More than just loan options, a plan you understand. We start with your goals and explain the choices in plain language. As a mortgage broker, our team compares financing across lenders, then helps you understand how the payment, cash to close, and loan terms work together.
Strategy
Expert guidance. Confident planning. Optimized financing.
Communication
Transparency. Collaboration. Responsiveness.
Advocacy
Smart positioning. Unified strategy. Agent alignment.
Choice
150+ wholesale lenders. Flexible options. Competitive rates.
Execution
Proactive process. Smooth experience. Proven results.
Strategic Financing. Smarter Moves. Happier Homeowners.
Loan Option Guides
Different goals. Different needs.
More paths to explore.
Find the guide that fits your next move. Then compare the qualifications, costs, and property requirements with our team.
Home purchase
Conventional
Compare down payment choices, mortgage insurance, and financing for your next home.
Read guide →
Home purchase
FHA
Understand borrower and property requirements, upfront costs, and mortgage insurance.
Read guide →
Military borrowers
VA
Explore eligibility, available benefits, and financing choices for eligible military borrowers.
Read guide →
Eligible rural properties
USDA
Check property location and household requirements before including USDA in your plan.
Read guide →
Larger loan amounts
Jumbo
Plan for financing above the applicable conforming limit and compare reserve requirements.
Read guide →
Different income paths
Non-QM & Alternative
Explore documentation options for self-employed and other nontraditional income situations.
Read guide →
Homeowner planning
Reverse Mortgage
Understand eligibility, purchase or refinance uses, and continuing homeowner obligations.
Read guide →
Access to equity
HELOC & Home Equity
Compare equity access, repayment terms, and the effect on your broader financial picture.
Read guide →
Help with upfront costs
Down Payment Assistance
Review location, income, education, and lender participation requirements in Colorado.
Read guide →Cash-flow strategy
Wealth Builder Financing
Explore first-lien HELOC features, cash-flow considerations, and repayment discipline.
Read guide →
Rental financing
Investment Property Loans
Compare rental purchase and refinance paths using the property and your intended use.
Read guide →
Build your next home
New Construction Loans
Plan builder coordination, construction draws, and the transition to long-term financing.
Read guide →Renovation projects
Fix & Flip
Review acquisition, renovation funds, short-term repayment, and the sale or refinance plan.
Read guide →
Your future homesite
Land & Lot
Consider access, utilities, build timing, and the financing differences between types of land.
Read guide →
Property investment
Commercial Real Estate
Explore property-specific financing for multifamily, buildings, and commercial sites.
Read guide →15 guides to explore
Swipe, scroll, or use the arrows.
See all loan options at a glance
Not sure where to start? Request a Mortgage Consultation.
Programs and approval depend on the borrower, property, selected lender, and current guidelines. A listed program is not a promise of eligibility.
From first questions to closing
A clear next step at each stage.
- 01
Share your plans
Start your application when you’re ready, or request a consultation to discuss your goals and timeline first.
- 02
Review the financing
Work through the documents and compare program choices, monthly costs, and cash needed.
- 03
Connect the property
Review the address, property requirements, and transaction details as your purchase or refinance moves forward.
- 04
Prepare for closing
Address underwriting conditions and review the closing details. Final approval and funding requirements still apply.
Mortgage calculators & tools
See the numbers.
Then see the possibilities.
A comfortable payment. A clearer cash-to-close plan. A refinance that makes sense for your timeline.
Use our calculators to explore scenarios before you talk with us. We’ll help you put the estimates in context.
Explore Mortgage Calculators →Estimates are a starting point, not a loan offer or approval.
Make your next move with perspective
Your planning toolkit
01Monthly paymentExplore your home financing budget02Purchase planningConsider funds needed for your next move03Refinance comparisonWeigh costs, payment, and timing
One place to explore the tools. A conversation to connect the dots.
Client perspective
Read about the experience
of working with our team.
Real client perspectives on clarity, communication, and support.
“Paul and his team helped me with a very complicated transaction for a cash out mortgage. I would highly recommend him.”
“Paul was great. He helped us understand our loan better and put our needs first.”
“He made sure we understood the information and answered all the questions we had before proceeding to the next task.”
“Paul and his team were absolutely amazing! Insanely fast response time to any question I had and amazing explanations throughout the whole process. I can’t imagine using another broker ever again!”
“Working with Paul and his team was an absolute dream! We had a particularly complex transaction, Paul made navigating feel easy and less stressful.”
“If you are looking for a mortgage broker for your next home purchase, I highly recommend Paul Cederholm and his team at Cederholm Mortgage Advisors.”
Selected excerpts from Google reviews · Google map
Individual experiences; loan outcomes vary.
More stories from our clients
Browse reviews on Google and Experience.com.
Browse current reviews from Google and Experience.com
Colorado home financing · Denver metro roots
Serving Denver and borrowers throughout Colorado.
As your Colorado mortgage broker, we offer phone and video consultations throughout the state. Whether you’re considering a Denver condo, a Front Range home, or a mountain property, the financing plan starts with your goals and the actual address.
Denver buyers can compare the full payment alongside condo or HOA documents and property details. Elsewhere in Colorado, county taxes, insurance, and district charges can change the picture. Our local guides help you know what to check.
Read the Colorado mortgage guide · Explore all service areas
Before you get started
Good questions.
Clear answers.
Still weighing your next move? You can talk with us before completing an application.
Use our mortgage calculators to explore a starting scenario.
Should I apply or request a consultation first?
If you’re ready to begin the loan review, start your application. If you want to understand your options or plan your timeline first, request a mortgage consultation. Both paths connect you with our team.
What happens when I click the application button?
You’ll open our ARIVE registration page, where you can create an account or sign in. It identifies Paul Cederholm and Edge Home Finance. Starting an application is not loan approval.
Can we talk if I’m outside the Denver metro?
Yes. We serve borrowers throughout Colorado, with phone and video meeting options.
How much do I need for a down payment?
It depends on the program, your qualifications, and the property. Compare the down payment alongside closing costs, any required reserves, and the full monthly payment. We can review options rather than assume a single percentage fits everyone.
How should I decide whether to refinance?
Compare the new loan’s costs and terms with keeping your current mortgage. The payment, remaining term, and time needed to recover refinancing costs all matter. Our refinance guide and calculators can help you prepare questions for a conversation.
What should I bring to a strategy call?
Bring your goals, timing, questions, and a property address if you have one. For refinancing, it helps to know the terms of your current mortgage. Our team will explain which documents are needed and how to share them securely.
Your next chapter starts here
The home is the dream.
The financing deserves a strategy.
Buying, refinancing, or just weighing the possibilities? Let’s connect your goals with a clear next step.
Start Your Loan Application
Start your pre-approval in our secure portal.
Book a Mortgage Consultation
Got questions? Book a call. Let's talk.
Information is educational and is not a loan offer, a rate quote, an approval, or a commitment to lend. Programs, terms, costs, and qualification requirements depend on the borrower, property, selected lender, and current guidelines. Cederholm Mortgage Advisors is powered by Edge Home Finance, LLC · NMLS #891464. Paul Cederholm · NMLS #1697336. Equal Housing Opportunity. Licensing & disclaimers · Privacy policy · Accessibility assistance.