Mortgages
Enjoy your home sweet home. Let us handle the rest.
Start the application online. We're here to help throughout the process.
We partner with Centennial Lending to bring our members affordable options from a trusted lender. Simple online applications and online payment solutions guide you through the process. If you need help, professionals are ready to talk houses and mortgages.
We Don’t See Houses,
We See Homeowners
It might be your first mortgage, but it’s not ours. For decades, we’ve been helping first time home buyers get a great mortgage. We’re committed to providing trusted, personal service throughout the whole process.
A Variety of Mortgage Options
Home Buyer Assistance Programs
Programs for first-time homeowners and veterans generally offer lower down payment requirements than conventional loans – see what programs you’re eligible for.
Mortgage on your terms
Choose a term from 10 to 30 years. Shorter terms let you pay off your house sooner and spend less on interest, while longer terms keep your monthly payment as low as possible.
Rapid Refi Mortgage
Already have a mortgage? We have an easy, low-cost solution for refinancing with no closing costs in most cases.
Related Resources
Rates
| Easy Equity Loan* | |
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5 Years (Score 800+) Term 60 mos. Combined Loan-to-Value (CLTV) 80% |
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10 Years (Score 800+) Term 120 mos. Combined Loan-to-Value (CLTV) 80% |
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15 Years (Score 800+) Term 180 mos. Combined Loan-to-Value (CLTV) 80% |
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| Rapid Refi Mortgage |
As low as |
| Home Equity Line of Credit** |
As low as |
| First Mortgages | Check current rates |
Rates effective as of: June 13, 2025
Disclosures
* Annual Percentage Rates listed above are the lowest rates available. Actual rates may be higher depending on a number of factors including borrower's credit history, collateral, and term of the loan. Payment example: 60 monthly payments of $19.33 per $1,000 borrowed based on a 5.99% rate. Terms offered may vary depending on dollar amount, length of loan, and type of collateral offered, if any. Rates and terms offered for loans secured by real estate are based on owner-occupancy. Higher rates and/or restrictions apply for non-owner occupied property.
**Variable Rate. HELOC rate based on Wall Street Journal Prime Rate, plus or minus a margin (currently -1.00% to +4.00%) . Floor rate is 3.50% and ceiling is 18.00% APR. Home Equity Line of Credit Payment Example: Loan of $50,000 at 6.00% APR will have a monthly payment of 500 during the draw period and a monthly payment of $555.18 during the repayment period. Property and/or flood insurance may be required.
For information on any of our loan products, contact a Financial Consultant at (303) 340-3343 or 1 (800) 933-5839, or via e-mail at info@FitzsimonsCU.com.
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