ConventionalExplore as little as 3-5% down payments, mortgage insurance, and flexible property choices with Fannie Mae and Freddie Mac.
Home / Colorado assistance
Photograph by Alena Darmel. Stock models; not CMA clients. Source · Pexels License
Area: Statewide network of CHFA participating lenders. CHFA offers purchase loans, grants and second mortgage assistance. The buyer needs the CHFA first mortgage and must meet the current program rules; do not assume the advisor is a participating CHFA lender. Review the CHFA homeownership programs for the administrator’s current details. Check your eligibility for this assistance program.
Area: Colorado property area shown on administrator site; Denver-sponsored program. Offers qualifying first mortgages with optional second-mortgage assistance. The current site says eligible property area is within Colorado; confirm the precise address, servicer, lender and current program rules. Review the metroDPA program for the administrator’s current details. Check your eligibility for this assistance program.
Area: Statewide Colorado, with geographically varying terms. A nonprofit second-mortgage option for qualifying low-to-moderate-income first-time buyers. CHAC says assistance is repayable and its amount, rate and terms vary by property location and funding. Review the CHAC down payment assistance for the administrator’s current details. Check your eligibility for this assistance program.
Area: National provider available in Colorado. CBC Mortgage Agency offers assistance through approved lender partners, commonly paired with FHA financing. This is a separate national program, not a Colorado state grant; repayment or forgiveness terms depend on the selected second mortgage. Review the Chenoa Fund for the administrator’s current details. Check your eligibility for this assistance program.
Area: City of Pueblo or Pueblo County property, subject to program rules. The City of Pueblo describes its Home Down Payment Assistance Program for qualifying first-time buyers and says the program is temporarily closed. Do not count on HDAP funds for an offer unless the city confirms it has reopened. Review the City of Pueblo Home Down Payment Assistance Program for the administrator’s current details. Check your eligibility for this assistance program.
Area: Pueblo and Southern Colorado service area; confirm county and current funds. This Pueblo-based nonprofit advertises down payment and secondary financing for buyers meeting its rules. It is separate from the City of Pueblo HDAP. Ask about the current service area, funding and first-mortgage pairing. Review the NeighborWorks Southern Colorado assistance programs for the administrator’s current details. Check your eligibility for this assistance program.
Area: Property must be inside Aurora city limits. The city says applications are open through October 31, 2026 or until funds are exhausted. Its silent second becomes repayable on sale, refinance or payoff. Aurora mailing addresses outside city limits do not qualify for this city program. Review the Aurora down payment assistance program for the administrator’s current details. Check your eligibility for this assistance program.
Area: Property in Douglas County. DCHP lists a low-interest program for qualifying first-time buyers; current income, price and occupancy limits are on its site. Confirm whether a Parker-area parcel and first mortgage meet its rules. Review the Douglas County Housing Partnership programs for the administrator’s current details. Check your eligibility for this assistance program.
Area: El Paso County, including Colorado Springs. This county program serves qualifying purchases in El Paso County. Its address boundary and current funding matter; it does not apply to Centennial, Parker or Aurora simply because they are in Colorado. Review the Pikes Peak Down Payment Assistance program for the administrator’s current details. Check your eligibility for this assistance program.
Area: City of Longmont and Boulder County outside City of Boulder, per administrator. The City of Longmont administers multiple assistance loans with different geographic rules. Check the exact property and the correct current program before assuming eligibility. Review the Boulder County and Longmont down payment assistance for the administrator’s current details. Check your eligibility for this assistance program.
Area: Property and buyer must meet City and County of Broomfield rules. Broomfield describes an interest-free loan coordinated with CHAC for qualifying first-time buyers. This local funding has its own income and homebuyer education requirements; confirm availability directly. Review the Broomfield Down Payment Assistance Program for the administrator’s current details. Check your eligibility for this assistance program.
Confirm the legal parcel, county and municipal boundary before using a program name. A postal city can differ from the property’s governing city. Check current funding, household income rules, first-time buyer definition, first-mortgage pairing, education, repayment terms and lender participation. Ask the program administrator for its latest written guidelines.

Buying your next home or refinancing one you already own? We compare programs, payments and closing costs around your goals and the specific property. Explore the guides below, then bring your questions to our team.
Compare purchase, refinance and affordability scenarios, then let our team help turn the estimate into a financing plan.
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. I’d strongly recommend his services. Throughout our home buying process, Paul Cederholm demonstrated the highest level of professionalism throughout our home loan process, an amazing ability to explain complex mortgage terms in simple language and a willingness to work evenings and weekends to meet our closing deadline. We got our home purchase loan in Chicago thanks to Paul Cederholm. I would absolutely recommend Paul Cederholm for your home loan because I would recommend Paul. You can trust him and he is very informative. We can't recommend Paul Cederholm enough for your home financing needs.
My overall experience working with Paul was fantastic! All his help made the whole process seem easy. Throughout our home buying process, Paul Cederholm demonstrated a talent for making the mortgage process seamless and stress-free, truly professional lending services that exceeded our expectations and a knack for shopping rates and locking in an amazing deal for us. He is humble and easy-going, which made us feel at ease. I would absolutely recommend Paul Cederholm for your home loan because paul is a truly amazing advisor: el mejor! Without his help, our dream of owning our first home would not have been possible. After our introductory call ended, my husband and I looked at each other and said, "He is the one!" We were absolutely right.
Paul exceeded our expectations by offering excellent advice and answering our questions before we even had to ask them (mind reader!). Paul always had our best interests at heart, and his dedication and passion showed in every conversation. We are thankful to have worked with someone trustworthy and honest; someone who went above and beyond for us.
Thank you, Paul, for taking all of our doubts and worries away.
Thank you for cheering us on!
We absolutely recommend you and your team to anyone looking for the best mortgage advisor. We can't recommend Paul Cederholm enough for your home financing needs.
Exceptional experience with Paul and his team! We knew we wanted to work with Paul not long into our introductory call. He put us at ease as he explained all the details of what it would take to get into our first home. Numbers are scary when it comes to such a large purchase, but he walked us through the documents in a way that was easy to comprehend. He made sure we understood the information and answered all the questions we had before proceeding to the next task. He was always available for a call, through text, and email. Never once did we feel uncomfortable or like we were not being heard and understood. We got the best rate available to us based on our information and also helped us get a rate buy-down! Thank you, Paul and your team, for everything you did. We look forward to working with you again should the time come to refinance or get into a different home. Paul Cederholm brought impressive expertise across mortgage products that helped us find the perfect fit, incredible dedication to finding us the best mortgage rate and a willingness to work evenings and weekends to meet our closing deadline. I'd tell anyone looking for a home loan to call Paul Cederholm — highly recommend Paul and his team as we felt comfortable, understood, and empowered throughout the entire process!. I would highly recommend Paul Cederholm — truly an exceptional mortgage professional.
(Translated by Google) Excellent service from Cederholm.
(Original)
Excelente atendimento de Cederholm.
Working with Paul and his team was an absolute dream! We had a particularly complex transaction, Paul made navigating feel easy and less stressful.
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!
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 🏡.
Paul helped me plan the financing for my new home, and I am so grateful for his guidance throughout the process. At the beginning, I felt nervous because the home buying process can feel very intimidating. With Paul’s care, patience, and expertise, I grew into a confident home buyer by the time we reached closing 🌿.
Paul was always available to answer my questions and explained everything in a clear, supportive, and non-intimidating way. He stayed one step ahead throughout the loan process and helped ensure my loan approval moved along quickly and smoothly.
Paul also has a wonderful team. Their attention to detail and clear communication helped me feel supported and never overwhelmed during the process 🌸.
I truly loved working with Paul. He was wonderful to have by my side during such an important step in my life. If you are looking for a knowledgeable and caring mortgage advisor who will guide you every step of the way, I wholeheartedly recommend Paul Cederholm and his team.
Buying my first house was an exceptional experience because Paul was tremendously helpful, and communicative. I can’t thank him and his team enough and highly recommend!!!
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Recently I had the pleasure of working with Paul and I can confidently say that my experience was nothing short of exceptional.
Trust is a crucial element when it comes to financial decisions, He took the time to understand my unique needs and goals, ensuring that every step of the process was transparent and tailored specifically to me. I never felt rushed or pressured; instead, I felt supported and empowered to make informed choices. Whether it was providing insights into market trends or introducing me to other professionals who could assist with my financial journey, Paul went above and beyond to ensure I had access to the best tools and information available.
I can say that Paul genuinely cares about his clients and strives to build lasting relationships. I can't recommend him enough for anyone looking for a mortgage broker who feels like family, fosters trust, and provides invaluable resources. Thank you, Paul, for making this experience so positive and rewarding!
We started the process in June and closed in November because we were indecisive and Paul was patient, he heard our request and never pushed us to buy until we were comfortable with our purchase. Luckily, he waited on us and we closed on the perfect home. We loved his 24/7 availability for us even on his vacation days. Thanks for an amazing work !
Paul is a great lender, my clients love working with him. He is very detailed oriented, organized, responsive. Always trying to find the best program/rates for everyone. I truly recommend his services.
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You and your team were very helpful throughout the entire process! I could always rely on you to help answer questions and be available at all times. I would highly recommend!
Paul was amazing to work with! Unbelievable response times and guided us through every step of the process.
Paul was great to work with - so friendly, understanding and helpful! We felt very cared for throughout the process and he never made us feel like we were bothering him with our questions. He was always upfront and honest and we are so grateful for his help!
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We bought an amazing Condo in the heart of DTC. Paul was very helpful and made us, first home buyers, feel very confident in the process of buying a home. I would highly recommend!
Paul went above and beyond to get all the numbers to work for us. He was available for questions at any time, even at the most unusual times. He consistently would give us updates and let us know that everything was going well or immediately would call us if there are any issues. The whole process went incredibly smoothly and made the home buying process super easy!
Thank you Mr Paul, you were truly amazing and on top of everything! Love your proactive approach in covering all anticipated requests ahead of putting into UW. Your professionalism and high level expertise truly shines thru and I’m so glad we connected through the grapevines. Can’t thank you enough and look forward to doing this again!
My wife and I worked with Paul when purchasing our first and second home. He was recommended to us from a trusted friend so we decided to go with him when trying to find the best loan for us. Going into it, we had no idea what we were doing but Paul was extremely attentive, did a great job explaining the details, and I felt like he always put our needs first. It was a pleasure working with Paul and we will definitely be working with Paul again in the future!
Was a great experience working with Edge to get into our first home. Everything was made easy and clear for us to understand
Paul was excellent! He communicated all of our options and so we can make the best decision possible! He kept us informed the entire time as to where we were in the process so we were able to have a smooth and efficient closing!
Working with Paul and his team was amazing! Paul was straight to the point, gave us guidelines on what to and not to do, made us feel comfortable buying a home, and made it a very simple process. We will forever work with Paul and continue to recommend him to everyone we know!
Paul was absolutely amazing to work with. He kept us in the loop through EVERY step of the home mortgage process. He took the extra time to explain things we didn’t understand, and also had all of our best interests in mind. I truly felt like we were in the best hands possible when it comes to a big financial decision! We can’t thank you enough!!!
Paul was incredible! He made my first-time home buying experience way easier than I had expected. He was incredibly knowledgable and more than willing to explain anything I wasn't sure of. He was super helpful throughout and made the whole process go smoother than I thought was possible.
Paul is amazing! I would highly recommend working with him. He is so responsive and truly cares about each and every client. There are no questions left unanswered when working with Paul and he makes the home buying process easy peasy.
Paul is full service. That is a hard thing to find anymore, and I am proud to be partnered with such a professional, creative, customer-oriented loan officer. His system and process is streamlined and user friendly, making the buyer’s process less stressful, and making my job easier. I love the level of communication on every transaction, and Paul always asks if there is anything that he could improve on; constantly striving to be the best. I have raving reviews from our mutual clients. Paul is an excellent choice when you need a home loan! Highly recommend.
Working with Paul was an incredible experience. I was the listing agent for Sellers and he was the lender for the Buyer. He promised a smooth transaction up from and that’s exactly what we received. He met every deadline, early in fact, and was on the ball with keeping us updated every step of the way. His communication and correspondence was spot on. Thank you, Paul, for such a great experience and a smooth transaction!
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Hands down the easiest financial process I have ever been through. I refinanced my home loan with Paul and his team and I just sat back and relaxed while they did their thing. It was a quick and seamless process. I can’t thank Paul enough for his advice and expertise. Paul’s personal attention and his availability throughout the process always made me feel like I was his only client. Top notch service! I highly recommend Paul and his team.
Great team and service. Answered all of our questions and made sure we understood the refinance process. 10/10 recommend!
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Paul was wonderful to work with during our home-buying experience! He was very professional, personable and patient as we worked thru the various scenarios available to us, and was true to his word when he said it was his number 1 goal to ensure we were left in a better situation than when he'd come to us. Thanks to Paul's efforts and diligence, we got precisely the outcome we were looking for, and couldn't be happier!
I highly recommend Paul and his team. They worked their way and explained each step to me and what was expected of me to be quick and efficient. Thank you for a great experience.
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Paul is a great lender he made the process painless and was very informative. He helped get our credit up and rate down so we could get the best situation for our house purchase.
I recommend Paul for any financing you may need!
Paul has been one of the easiest Lenders to work with. Super honest businessman and extremely knowledgeable. I will continue to do business with him. He is a great and trustworthy lender!
Paul is straight up a rockstar. If you have a deal that a lender said can’t be done, or they don’t know how to fix. Paul has the answers and can get the job done. Very creative when it comes to helping structure his clients Loans and giving the advice to get the deal closed. He is an amazing lender partner.
It is truly a pleasure partnering with Paul Cederholm! He is an exceptional Loan Officer who deeply cares for his clients and those he works with. As a Realtor, it is extremely important to have industry partners that value your clients as much as you do. He will jump through all the hoops needed to be able to get the best product for the client and close the deal all while impeccably communicating each step to all that are involved. Thank you Paul for taking such great care of my clients!
Paul was extremely helpful with the refinance process. He kept us in the loop during the entire process and when the original plan fell through, he was able to work a new plan that turned out better than the original. Thanks Paul!
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Assistance may be a grant, repayable second mortgage, deferred second mortgage or forgivable second mortgage. Compare the first mortgage rate, APR, total cash to close, monthly payment, second-lien terms, and what happens on sale or refinance. A higher first-mortgage rate can outweigh some up-front help over time; the actual Loan Estimates and assistance agreements are the right comparison documents.
The City of Pueblo has a named Home Down Payment Assistance Program (HDAP), but its official page currently says it is temporarily closed. NeighborWorks Southern Colorado advertises a separate assistance route. Confirm the property boundary, administrator, funding and current application status before relying on either option. City HDAP status
The Colorado Department of Local Affairs maintains a homeownership program guide with local examples and a link to its funded assistance directory. Use it to look beyond these named programs, then confirm dates and rules with the current administrator.
Some programs require an approved lender or a specific first mortgage. Ask both the administrator and your lender to verify a live route before you plan an offer around assistance. Cederholm Mortgage Advisors does not claim participation in every program listed.
Compare home purchase, refinance, equity and specialty financing paths. Start with the guide that fits your goal, then review the borrower and property requirements.
ConventionalExplore as little as 3-5% down payments, mortgage insurance, and flexible property choices with Fannie Mae and Freddie Mac.
FHAReview lower FHA credit limit options, as low as 3.5% down payment, and get into homeownership vs renting.
VALearn the benefits and eligibility for qualified military service members, veterans and spouses with a possible zero-down option for eligible borrowers.
USDACheck how rural property location and household income affect USDA options to qualify for little to no money down.
JumboLearn how larger loan amounts above conforming loan limits change the documentation and reserves needed.
Non-QM / Alternative FinancingExplore Non-QM alternative financing paths outside standard guidelines for self-employed, 1099, variable income, etc.
Reverse MortgageReview how reverse mortgages (HECM) work for purchase or refinance and the ongoing homeowner obligations.
HELOC / Home EquityCompare options to access your home equity to consolidate debt, make home improvements, buy a second home, etc.
Down Payment AssistanceWe can help you find Colorado assistance programs to help you as a first-time homebuyer with little to no money down.

Explore first-lien HELOC financing that pairs home debt with cash-flow account features, compare daily-balance interest, deposits, withdrawals and repayment discipline.

Compare rental purchase and refinancing options, including DSCR and short- or long-term rental considerations.

Plan construction draws, builder coordination and one-time-close or two-close financing.

Review acquisition, renovation funds, short-term repayment and your sale or refinance plan.

Check build timing, access, utilities and the differences between raw land and a prepared homesite.

Explore multifamily, standalone buildings and individual commercial sites with property-specific underwriting.
Paul Cederholm is a mortgage expert and real estate financing strategist for buyers considering Colorado real estate. Planning a Colorado purchase or refinance? If you are not ready to make a move yet, start with a quick, no-obligation phone call to:
Or contact us with a question about your next step.