First Mortgages

For a purchase or a refinance, we offer our members a variety of different types of first mortgage loan options. Whether you are considering Conventional, FHA, VA or USDA, we could help you get started on your journey to secure your preference in financing. For your purchase, it is always a best practice to apply for pre-approval before you go home shopping. Getting pre-approved helps you shop with confidence and provides stability to a seller knowing they are dealing with a pre-approved buyer. We will be here to assist you with all the steps to get started.  We can also help if you already own your home and are simply looking to refinance.  In addition to purchase and refinance loan options, we provide very competitive rates, which ensures you will receive the best mortgage we can provide. Contact your local C•U•D Loan Specialists at 303.202.5659 or 800.280.0234 for available options today.

Building a home? Business Real Estate Loan?

No problem. We are proud to partner with Centennial Lending. They provide our members with commercial, construction and business Real Estate Lending services. They will assist you from the inquiry and application phase through approval, and finally to closing. They are well experienced with both credit union and banking industry backgrounds. This gives them insight into the requests they receive and provide competitive options.

Contact Centennial Lending today at (720) 494-2740 or visit their website at for your commercial/business lending needs. Get started today and apply online here.

Centennial Lending NMLS#3056


Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

First Place Mortgage – Designed for those with substantial equity in their home.

In addition to our 1st mortgage products, we also offer a First Place Mortgage, an innovative C•U•D product developed to allow you to use the equity in your home without paying the higher closing costs of refinancing. If you have sufficient equity in your home and are looking for a shorter term, the First Place Mortgage is a great alternative for that extra cash you need to pay off bills, take a vacation or just lower your 1st mortgage rate.

This C•U•D exclusive will take the place of your 1st Mortgage.  Call our C•U•D Loan Specialists at 303.202.5659.

  • Fixed Rate
  • $0 Closing Costs, in most cases (appraisal and/or title insurance may be required)
  • Terms available up to 30 years
  • No pre-payment penalty
  • LTV (Loan to Value) no more than 80%. Maximum loan amount $1,000,000
  • Payments include principal and interest only (escrow may be required)