Home Loans & Lines of Credit

Foothills Credit Union offers a variety of loans at flexible rates and terms to meet your real estate needs. With local underwriting, servicing, and decision-making authority we can service your loan immediately. Experienced loan officers can answer questions and guide you to the right loan. Construction, lot, and commercial loans are also available.
1st Mortgage

Do you know that Foothills Credit Union offers 1st Mortgages? All first mortgage requests must be deferred to lending personal for privacy and documentation controls. Foothills CU also has a mortgage lending partner in Centennial Lending, their guidelines will be followed. They are credit union owned and can help you find the most competitive loan. Contact one of our loan officers at 720-962-8200 to discuss your mortgage needs.
2nd Mortgage
Use the equity in your home to receive cash for home improvements, tuition, debt consolidation or any other needs!
  • Low Fixed Rate
  • 10 & 15 year terms available
  • Up to 90% Loan to Value available
  • No pre-payment penalties
Variable Rate Home Equity Line of Credit (HELOC)
Most people’s biggest asset is their home. Why not put the equity in your home to work for you. A HELOC does just that, it uses your home as collateral for a revolving line of credit that can be used for anything you can think of from home improvements to education expenses. Rate is based on Wall Street Journal Prime Rate. Rate and payment may change quarterly. Current Prime Rate is 3.50%.
  • Low Rate
  • Different HELOC programs to pick from
  • Up to 90% Loan to Value
  • There is a minimum floor limit of 3.99% – 4.75% depending on the HELOC program
Member Direct Realty Rebate Program
When you select a local realtor from the Foothills Credit Union exclusive Member Direct Realty network you will receive a 25% rebate on the realtors commission when you buy and/or sell your home! Click here for more details on this GREAT offer.
Fees
Fees for real estate loans can vary, and they include (but are not limited to):
  • Appraisal
  • Title Policy
  • Filing Fees
  • Document Preparation
  • Origination

Foothills Credit Union is federally registered with the Nationwide Mortgage Licensing System. NMLS is a free service for consumers to confirm that the mortgage loan originator with whom they wish to conduct business is federally registered. To verify the status of your Foothills Credit Union mortgage loan originator, visit http://www.nmlsconsumeraccess.org.

Foothills Credit Union real estate loans are only available for Colorado property.