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Westerra Credit Union

Mortgage and Home Refinance Loans

Our experienced lending team is here to help you find the best mortgage for your needs and budget with our competitive mortgage rates, low closing costs and a variety of mortgage programs. Choose your local Colorado credit union mortgage team.

Fixed Rate Loans

A fixed rate that will not change over the term of the loan.

Adjustable Rate Mortgages (ARMs)

Typically have lower rates than fixed rate mortgages, and allow borrowers to qualify for a larger loan with lower initial payments.

Other Special Mortgage Programs

  • Low down-payment options
  • Bridge loans for purchasing a new home before an existing home has sold
  • Jumbo mortgages for loan amounts higher than conventional guidelines
  • First time home buyer programs

Current Mortgage Rates
Mortgage Pre-Qualification Calculator
Find the value of my home
Home Insurance
Apply for a Mortgage Loan

Home Equity Loans

Use funds for education, home repairs, or other important purposes. Get the cash you need quickly and the interest may be tax-deductible.* Our Home Equity Loans offer low fixed interest rates,** flexible terms, and loan amounts up to $200,000.

Home Equity Lines of Credit (HELOCs)

Home equity lines of credit are easy and economical, and allow you to put the money you’ve invested in your home to work for you. Plus the interest may be tax-deductible.*

Jumbo Equity

  • Up to $500,000
  • Low closing costs
  • Variable interest rate as low as Prime plus 0% APR**

Equity Express

  • Borrow up to $25,000 or 80% loan-to-value
  • Low closing costs
  • Variable interest rate as low as Prime plus 0% APR**

Generous Equity

  • Borrow up to 90% loan-to-value
  • Low closing costs
  • Variable interest rate
  • No appraisal fee (restrictions apply)

Current Home Equity Rates
Apply for a Home Equity Loan

*Please consult your tax advisor.

**Rates are tied to Prime Rate as published in the Wall Street Journal. Rates based on credit history and are subject to change. Rates valid for owner-occupied properties.  .50% will be added to Prime Rate for non-owner occupied properties. All non-owner properties have full closing costs. Click here for full disclosures.