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APR for 30-Year Fixed — Purchase*


APR for Jumbo 30-Year Fixed — Purchase*


APR for 7/6M SOFR ARM — Purchase*

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Refinance limbo — how low can (and should) you go?

Refinancing could lower your rate and monthly payment. Other reasons to consider refinancing:

  • Experienced, friendly mortgage loan officers

  • Cash out for home improvement

  • Debt consolidation

  • Competitive rates

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First-time homebuyer

Are you dreaming about buying your first home, but don’t know where to start? Buying your first home is a big deal — which is why we compiled all of the information you need to get started from mapping out the home buying process to digging into pre-approvals, credit scores, down payment assistance, and more.

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More is more with the more money mortgage

Can you tell we’re really into the whole making more of your mortgage thing? Whether it’s for a new home purchase or a refinance, this option can help you finance up to 97% of the cost of a home and the renovations that come with it.

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Bridge loan

Borrow against the equity in the home you’re selling. Use that equity as a down payment on your new home. This is a short-term/temporary interest-only loan.

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Let’s build your dream home

Let Westerra help you build the home of your dreams! Our new construction loan program ("One-Time Close Construction-to-Permanent Loan") offers competitive rates and hassle-free financing so that all you need to worry about is making it just right. Schedule an appointment with a mortgage loan officer for more details.

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Take a Look at Those Numbers

Our free calculators can help you reach your housing goals! Estimate your monthly mortgage payments - including your principal, interest payments insurance and taxes; compare two loan options; determine if buying vs. renting is the right choice for you, and more.

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Our team of real human beings is ready to help you make your next move

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Already have a home?

Think it could be a little bit better?

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Not sure if it’s time to refinance? Then it’s time to ...

Get a free Mortgage Consultation

Our finances aren’t so different from us — they can also benefit from a routine checkup now and again. A simple Mortgage Consultation with a Westerra professional will help you decide the particulars of how, when or when not to refinance. Oh, and did we mention that it’s free?

Westerra financially supports the Colorado Homeownership Coalition, which provides mortgage assistance to individuals and families when they need an extra hand. Since 2019, Westerra has committed to contribute up to $10,000 annually in donations 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, $400K or $800K (Jumbo) loan amounts at 60% LTV. Purchase scenarios based on 760+ FICO, $500K or $800K (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. 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.

**Promotion is available for first mortgage purchase applications with a property on or before March 31, 2023. Appraisal credit will be applied at closing. One appraisal credit per closed loan transaction. Appraisal credit not to exceed $1,000. No cash out value, credit is to be applied only to closed loan transactions. Borrower is responsible to pay the full appraisal costs if loan transaction does not close. Restrictions and qualifications apply.