Home mortgages and lines of credit 

We'll help you finance your home or use your equity. Get the peace of mind of a low fixed rate on a 30-year mortgage. Or, get a Home Equity Line of Credit (HELOC) and borrow what you need, pay interest on only what you use.

 

First Mortgage Options

We offer a variety of loan options from which to choose, including 5-year to 30- year-fixed-rate mortgages.  And with our free pre-approvals, you’ll have peace of mind knowing that when you shop for your home, you can already afford your monthly mortgage payment.

Apply Now

Home Equity Line of Credit

Rates as low as

3.50

%

Annual Percentage Rate
Up to 80% of appraised value (or less)

Apply Now

A 100% loan that says, “Welcome home.” 

Our 100% Mortgage Package finances the full amount of your home purchase. So you won’t have to save for a down payment or wait longer to buy. With a 97% fixed rate 30-year first mortgage and an interest-free second mortgage for up to 3% of the total loan, your dream home can become a reality. 

Apply Now

Colorado real estate only. Primary residences only (can be used for an owner-occupied single-family home, townhome or condo). Must take an online home buyer education class to qualify. The total maximum loan between first and second mortgage is $499,329.

100 Percent Mortgage Package
Second Mortgage

What could a second mortgage do for you?

Our fixed-rate second mortgage puts cash in your hand to use as you need. Use it for remodeling, debt consolidation, even buying a new car. You’ll always have low, fixed monthly payments.

Apply Now

Your home equity could be doing more for you.

Put the equity in your home to good use with our Home Equity Line of Credit. With checks and a VISA credit card tied to your account, you can borrow what you need, when you need it, and pay interest only on what you use. 

Learn More
Variable Rate Annual Percentage Rate

Wall Street Journal Prime Rate  -0.75%

Up to 80% of appraised value (or less)

 As low as
3.50

%

Wall Street Journal Prime Rate +1.00%

80.01% - 90% of appraised value

 As low as
4.25

%

Rates Effective 9-9-2021

Appraisal or AVM (Automated Valuation Method) required. Maximum loan amount is $250,000 up to 90% CLTV.
The maximum variable Annual Percentage Rate (APR) is 18.00% or the maximum rate allowed by law. Minimum variable APR is 3.50%. Contact the credit union for estimated closing costs.

Ready to get the perks of a home loan with us?

Apply Now