Whether you’re purchasing your first home or looking to upgrade your forever home, the financial process may seem overwhelming at times. When you work with Credit Union of Denver, you’ll find that we are here to help you learn all your options. We have your best interests at heart.
In our competitive Colorado housing market, it’s always a good idea to apply for pre-approval for a home loan before you go house shopping. Getting pre-approved helps you research your housing options with confidence and assures a seller knowing they are dealing with a pre-approved buyer.
First Mortgages
Depending upon your needs, we offer different terms and types of mortgages:
C∙U∙D First Mortgages – (a.k.a. 1st Place Mortgage)
1st Place Mortgage
Current Best Rate: 6.10% APR1 80% CLTV2 (as of 05/19/2025)
This product was developed to allow you to refinance your home without paying the higher closing costs of a traditional refinance. If you have sufficient equity in your home, the 1st Place Mortgage is a great alternative for you.
- Fixed Rate & Term
- $0 Closing Costs, in most cases (an appraisal and/or title insurance may be required at member’s expense)
- Terms available up to 20 years
- No pre-payment penalties
- CLTV (Combined Loan to Value) no more than 80%.
- Maximum loan amount $1,000,000
- Escrow services are available and/or may be required.
Get Started
Use this calculator to estimate your loan amount
To speak to one of our Loan Specialists, give us a call 303.202.5659 | 800.280.0234 or email us at loans@cudenver.com.
Want to know what your house may be valued at? Home Value Checker to show comps in your area and recent sales. This is not meant to replace an appraisal, but a tool to give you an idea of what the market is doing near the location of your property.
Purchase or Refinance with up to a 30-year mortgage
We are proud to work with Centennial Lending. Centennial Lending is a Credit Union Service Organization (CUSO), which means they only work with credit unions and credit union members – like ours!
Centennial offers a variety of first mortgage loan options like: 
- Conventional
- FHA (Federal Housing Administration)
- VA (Veterans Affairs)
- USDA (United States Department of Agriculture) loans
To speak to a loan officer at Centennial Lending call them at 720.494.2740 or visit their website.
Want to know what your house may be valued at? Home Value Checker to show comps in your area and recent sales. This is not meant to replace an appraisal, but a tool to give you an idea of what the market is doing near the location of your property.
Building a house? Need a business real estate loan? No problem!
Centennial Lending provides Credit Union of Denver members with commercial, construction, and business real estate loans and lending services. They will assist you from the inquiry and application phase through approval, and finally to closing.
Contact Centennial Lending today at 720.494.2740 or visit their website for your commercial, construction, and business lending needs.
Get Started
Want to know what your house may be valued at? Use our Home Value Checker to show comps in your area and recent sales. This is not meant to replace an appraisal, but a tool to give you an idea of what the market is doing near the location of your property.