Find the right home financing for you. 

Whether you're buying a home or tapping into the one you have, we're here to help. Lock in a low fixed rate with a 30-year mortgage, or open a HELOC and use (and pay interest on) only what you actually need.

First Mortgage

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.

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100% Mortgage Package*

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.

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Fixed-Rate Second Mortgage

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.

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HELOC (Home Equity Line of Credit)

From home renovations to unexpected costs, our HELOC offers flexibility. You can make the most of your home's equity, plus you only have to repay the funds you use.

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*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 $647,200.

Tap into your home's equity.

Use the equity you already have in your home for an improvement project, to pay for college, or to consolidate your debt. The great thing about our Home Equity Line of Credit is that, with the convenience of checks and a VISA credit card tied to your account, you can borrow what you need, when you need it. You pay interest only on what you use.

Home Equity Calculator

Find out now how much you may be able to borrow by completing the form below.

Current Rates

From home renovations to unexpected costs, our HELOC offers flexibility. You can make the most of your home's equity, plus you only have to repay the funds you use.

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Variable RateAnnual Percentage Rate (APR)

Wall Street Journal Prime Rate  -.25%

Up to 80% of appraised value (or less)

As low as  

6.50
%

Wall Street Journal Prime Rate +1.00%

80.01% - 90% of appraised value

As low as  

7.75
%

Rates Effective 01-06-26

Appraisal or AVM (Automated Valuation Method) required. Maximum loan amount is $500,000 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.

Specialty Home Loans

FHA Loan

A home mortgage loan insured by the Federal Housing Administration (FHA) can make it easier to qualify for home ownership.*

  • Put as little as 3.5% down on a home purchase.
  • Fixed rate available.
  • Maximum loan amount: $510,400 and can vary by county. 

*Monthly mortgage insurance required for life of loan. If purchasing, seller must be titled owner for 90 days preceding sale of property. If refinancing, applicant must be primary residence for the last 12 months.

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VA Loan

Active or retired military services members including National Guard and Reserve members may be eligible for a VA mortgage loan.* Let us help you on your way to home ownership. 

  • Fixed rate available.
  • No monthly mortgage insurance requirement
  • Maximum loan amount: $510,400 and can vary by county. 

*Surviving military spouses may be eligible for a VA loan in certain situations as well.

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USDA Loan

A USDA loan can be used for rural land development, as well as purchasing or refinancing a home in eligible rural areas. It’s designed to make homeownership more accessible with flexible options for qualified borrowers. 

  • Fixed rate available.
  • 100% financing available for eligible borrowers.
  • Maximum acreage: 20 acres
  • Property must meet HUD guidelines.
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Your local experts, here to help.

Not sure where to start or which option is the best fit for you? Connect with our Mortgage Loan Originators for more information on navigating the mortgage loan process with confidence and ease.

Meet Mylinh

Mylinh Tran

 

Denver Metro

With over five years of mortgage experience, Mylinh is dedicated to helping members find the best financing options. Serving Highlands Ranch, Southeast, and Aurora, she is happy to help you navigate the mortgage loan process with confidence and ease.  

Meet Josh

MLO Josh

 

Western Colorado

With over 25 years of mortgage experience, Josh takes pride in bringing a seamless loan experience to members. He serves our western Colorado region and is happy to help you through the mortgage loan process.

Meet Sonya

MLO Sonya

 

Southern Colorado

As a Mortgage Loan Originator, Sonya takes pride in serving our members and helping them achieve their homeownership goals. She serves our southern Colorado region and is committed to providing personalized, reliable service.  

Ready to take the next step?

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