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.

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Home Equity Line of Credit

Rates as low as

7.25

%

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

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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

 

Current Rates

Variable Rate Annual Percentage Rate

Wall Street Journal Prime Rate  -0.75%

Up to 80% of appraised value (or less)

As low as

7.25

%

Wall Street Journal Prime Rate +1.00%

80.01% - 90% of appraised value

As low as

8.75

%

Rates Effective 02-01-23

Appraisal or AVM (Automated Valuation Method) required. Maximum loan amount is $400,000 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.

Home Equity Calculator

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

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. 

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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.

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.

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Specialty Home Loans

FHA

A home mortgage loan insured by the Federal Housing Administration (FHA) can make it easier to qualify for home ownership. Let us help you with your options.

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

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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.

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USDA Loan

A USDA loan can be used for rural land development and for purchasing or refinancing a home in rural areas. We're here to help you get started.

• Fixed rate available.
• 100% financing available for eligible borrowers.
• Maximum acreage: 20 acres

Get Started

FHA Loans 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.

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

USDA Loans Property must meet HUD guidelines.

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

Apply Now