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Second Mortgage

Predictable payments with a set term and no surprises

A fixed‑rate second mortgage gives you a lump sum upfront with fixed payments and a set term, making it easy to budget month to month.

Current Best Rate: 8.09% APR¹
up to 80% CLTV² 

  • Fixed rate and fixed term up to 20 years
  • $0 closing costs in most cases* (appraisal may be required at member’s expense)
  • 80% CLTV options
  • No prepayment penalties

Get Started

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Check Rates

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Check your Home's Value

Before you choose which direction to go, know what your home may be valued at. Use our Home Value Checker to see recent sales and comparable homes in your area. (This tool is for reference only and does not replace an appraisal). 

Home Value Checker 

 📞 Talk with a Loan Specialist:

Have questions or just need a little guidance?
Our Mortgage Loan team is here to help you figure out what would work best for you and to take the next steps.

303.202.5659 | 800.280.0234

✉️ support@cudenver.com

Put your home’s equity to work for you

A second mortgage lets you tap into the equity you’ve built in your home — giving you access to cash while adding a lien to your property. Whether you’re planning a remodel, consolidating debt, or covering a major expense, this can be a flexible way to support your financial goals.

Use our mortgage calculator to estimate your monthly payment and see how this option could fit into your budget.

Mortgage Calculator

 

Looking for Something Else?

Refinance First Mortgages

If you want to lower your monthly mortgage payments, pay off your mortgage faster, or tap into your home's equity, refinancing might be the solution.

Learn More

Home Equity Line of Credit

A line of credit that allows you to utilize the equity of your home as you need it, at a low variable interest rate.

Learn More

Important Disclosures

¹ APR = Annual Percentage Rate. Rates current as of 09/01/2026. Subject to credit approval, not all borrowers will qualify for the lowest rate.
² CLTV = Combined Loan‑to‑Value.

Credit Union of Denver NMLS #417000.
Mortgages available on owner occupied, Colorado properties (property insurance required) only. *No closing costs in most cases, but an appraisal fee and/or title insurance (approximate cost $0 - $3,000) may be required at member expense. C·U·D Membership Savings of $5 is required.
Equal Housing Opportunity.
HMDA disclosures apply.