Your Denver mortgage, made simple
Our local mortgage loan options are designed to help you buy or refinance a home in Denver with confidence, clarity and guidance at every step.
Local guidance from mortgage loan officers who know Denver
Competitive rates with clear, simple terms
Digital tools that help you apply, track and stay informed
Mortgage options that fit your life in Denver
Buying a home in Denver should feel possible — not overwhelming. At Westerra Credit Union, we take time to understand your goals and guide you through mortgage choices that support your budget and lifestyle. You get straightforward explanations, dependable service and a partner who is rooted right here in our Colorado communities.
What you can expect
We’re here to simplify your experience from application through closing with:
Fixed-rate and adjustable-rate loan options
Local underwriting for faster decisions
Clear terms with minimal surprises
Financial education tools to help you make confident choices
Mortgage loan officers who understand Denver neighborhoods and local market trends
Helpful Tools & Calculators
Move forward with confidence
You deserve a mortgage that supports stability today and long-term peace of mind. With modern digital tools, you can start your application, upload documents and check your progress on your phone. At the same time, our local lending team helps you understand each step so you can feel prepared — and supported — through the entire process.
Questions about mortgages in Denver
You can choose from several mortgage options depending on your goals and budget. This includes fixed‑rate and adjustable‑rate mortgages, along with specialty programs designed for different needs. If you want to explore every mortgage available, you can find options at WesterraCU.com/borrowing/mortgage.
A mortgage helps you finance a home over a set period of time with monthly payments. Your interest rate, term and down payment depend on your qualifications and market conditions. Your mortgage loan officer can help you understand what works best for your life.
You can apply to refinance your current mortgage loan if you're looking to adjust your payments or loan structure. Refinancing may help lower your monthly payment, change your interest rate, or modify your loan term. Your mortgage loan officer can help you determine whether refinancing aligns with your financial goals and guide you through the process.
Every member’s situation is different. Local underwriting helps keep the process moving while making sure details are accurate and clear.
Yes. We offer calculators, financial education and resources that help you plan, budget and feel confident throughout your mortgage journey.
As a member‑owned credit union, Westerra Credit Union reinvests earnings to support our Colorado community and our members. You get straightforward guidance, personal service and a team that knows Denver neighborhoods.
Loan approval is subject to credit approval and program guidelines. Credit Union membership required. Interest rate and program terms are subject to change without notice.
*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 $900K (Jumbo) loan amounts at 60% LTV. Purchase scenarios based on 760+ FICO, $500K or $900K (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.
