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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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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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Already have a home?

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

Get a free mortgage checkup

Our finances aren’t so different from us — they can also benefit from a routine checkup now and again. A simple mortgage checkup 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. 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.