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

3.50

%

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

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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 $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.

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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. 

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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 1-3-2022

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