Our specially trained mortgage experts have years of experience working with borrowers to find the right loan and make the process as easy as possible. So, whether you’re buying a new home, or you’ve owned your home for years and are looking for a better rate, we can help. No matter what questions you have, our help is always friendly and knowledgeable. For borrowing, just call (800-444-4816) or click the ‘apply now’ button below. Or, learn more about how you can save money by refinancing today.
We offer a variety of loan options from which to choose, including 5-year to 30- year-fixed-rate mortgages and FHA products. 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.
100% Mortgage Package
Our 100% Mortgage Package provides 100% financing for your first home. Best of all, you’ll get a jump on getting your first home without the pain of saving for a down payment.
Here’s how it works:
The 100% Mortgage Package includes a 97% fixed rate 30-year first mortgage loan and an interest free second mortgage for up to 3% of the total loan to use as your down payment. These two loans work together to equal 100% financing for your first home. Make no payments on the second mortgage until you pay off your mortgage, refinance or sell your home.
Here are some of the benefits:
- 100% financing for your first home purchase.
- Your second mortgage can cover up to 3% of the total purchase of the home up to $14,100.
- Closing costs for the second mortgage are paid by the Credit Union.
- We will never sell your loan to another mortgage servicer and it is serviced by us.
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 $467,100.
You can use the equity in your home to do things like remodel your kitchen, finance a new car, or consolidate and pay down your debt. Plus, our second mortgage loans have a fixed interest rate, so you know the payments will be the same for the entire term of the loan.