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PersonalHome lending

There’s no place like home

And there’s no place like Westerra to help you buy, update, refinance or "MTV Cribs"-ify your home. We offer the products you need and the advice of real human beings to help you make your decisions.

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Mortgages with low rates? We’ve got those

Getting a mortgage is a big deal. Which is why it’s important you get a good one. We’ve got low rates and customizable options to make home sweet home feel a little sweeter.

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Our HELOCs empower you to think bigger

A home equity line of credit isn’t just a way to tap into your home’s value. It’s a chance to live your best life — whether that means fixing up your love nest, helping your kids dream bigger in college or finally checking the trip of a lifetime off your list.

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The home of the future. Here today

Our energy efficiency loan lets you finance renewable energy home improvements from $500 up to $50,000, with repayment terms between 5 and 20 years. It’s easy and fast to apply and doesn’t require the use of the equity in your home.

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Make it happen with home improvement loans

The Westerra home improvement loan is designed to turn brightly lit dreams into well-financed realities, whether it’s remodeling your kitchen, updating your landscaping or adding an ultra-photographable mural to the living room. Hey, whatever you’re into.

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RENU loans for renewable energy home improvements

We’re working with the Colorado Energy Office to offer energy loans through the RENU Loan Program. If you haven’t heard of it, it’s a catchy way of saying we’re here to help you finance renewable energy home improvements at low, fixed-interest rates. Who said it’s not easy being green?

Looking to buy a home or refinance?

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Westerra financially supports the Colorado Homeownership Coalition, which provides mortgage assistance to individuals and families when they need an extra hand. In 2019, Westerra donated $7,640 to help people stay in their homes.

*Annual Percentage Rate (APR) is the cost of the loan in percentage terms, taking into account various loan charges such as Prepaid Finance Charges (discount points, processing and underwriting fees, flood certificate, tax service, closing and wire fees, prepaid interest) and Private Mortgage Insurance (if applicable). Refi scenarios based on rate and term transaction, 760+ FICO, $300K or $600K (Jumbo) loan amounts at 60% LTV. Purchase scenarios based on 760+ FICO, $400K or $600K (Jumbo) loan amounts at 60% LTV. Variables such as LTV, CLTV, credit score, cash out, occupancy and property type, etc., could affect rate and APR. To determine your payment amount, go here to use one of our payment calculators. Rates are based on individual credit history and are subject to change without notice. Rates are for conventional-conforming loans only. Other rates and terms may apply for Jumbo and nonconforming/specialty portfolio programs. Please contact a Westerra Credit Union Mortgage Loan Officer at 303-321-4209 for more details. Westerra Credit Union NMLS 421606. 

*To be eligible, Community Seconds funds must be provided by a federal agency, a municipality, state, county, state or local housing finance agency, nonprofit organization, a regional Federal Home Loan Bank under one of its affordable housing programs, or an employer. Equal Housing Opportunity.