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Buying your first home is a big deal, but you’re not alone. We’ve assembled a few must-have resources here, so you can go from pre-approval to move-in day with total confidence.
No, they’re not your new neighbors. Fannie Mae & Freddie Mac are government-sponsored entities that purchase loans from lenders so that lenders can offer more loans for more borrowers. If you think you might qualify, ask your mortgage lending officer and see how these programs might help you into an affordable loan.
Are you a service member, veteran, or surviving spouse of someone who served? VA home loans usually require 0% down payment, as well offer more leniency on the debt-to-income ratio. Veterans with service-related disabilities are also exempt from the VA funding fee, making a VA home loan a very affordable option. These loans are available to service members, veterans, or surviving spouses of someone who served.
An FHA loan can be a great resource for those who do not have a large down payment, with options as little as 3.5% down. While an upfront and monthly mortgage insurance premium is required, the upfront amount can be financed and the monthly amount is more affordable than some conventional private mortgage insurance. FHA is also more forgiving of past bumps and bruises on your credit history.
A CHFA loan is designed to support affordable housing initiatives across Colorado. While there are income limits, they’re reasonable—meaning this is not just for low- to moderate-income homebuyers. Eligible members can receive help with their down payment and gain additional helpful education as they step into the financial chapter of homeownership.
And to top it off, are you a doctor or dentist, want to buy a brand-new condo, or even a fixer-upper? We have a variety of portfolio products that may be the ticket. Ask a mortgage loan officer for more information.
Wondering if you qualify, or looking to get some more information? Schedule a call with an expert mortgage loan officer now.
We are excited to announce that we will be hosting our annual all staff meeting and afternoon of service, "Volunterra" this Thursday from 12:00-5:00 P.M. MDT. During this meeting staff will work together to build kits to help support our community.
Westerra is excited to announce our new financing program called "One- time Close Construction- to- Permanent Loan" which will streamline loan processes for new home construction or renovation projects.
Our Belmar branch staff was happy to have joined the celebration with the Sekulich family of Army Sgt. John Sekulich, who turned 106 years young. Click “Read More” for a link to the interview.
The Board of Directors of Westerra Credit Union is pleased to announce the appointment of Steven Schmidle as its President and CEO, after serving as Acting President and CEO for the past several months.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. government agency. Westerra is only 1 of 3 credit unions recognized on Newsweek's "2024 Best Regional Banks and Credit Unions" annual list.
Equal Housing Opportunity.
Mailing Address:
P.O. Box 9408