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- Mortgages
Mortgages
Home Loans and You!
For more than 60 years we have been helping our neighbors and members buy, build, refinance, and remodel their homes. Whether you are a first-time homebuyer or a seasoned homeowner, we make it easy.
Let us help you find the home loan that works best for you
| FIXED RATE MORTGAGES |
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A traditional mortgage is often a good choice. This mortgage has a fixed term and interest rate, monthly principal and interest payments that never change, and no prepayment penalty. Plus, if you're a first-time homebuyer, On Tap Credit Union will pay your appraisal fee!1
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| ADJUSTABLE RATE MORTGAGES (ARMS) |
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ARMs generally offer a lower initial rate that adjusts periodically throughout the life of the loan. It's best to connect with one of our Home Loan Consultants at 303.279.6414 so they can assist you in identifying the right loan type for you.
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| FAST TRACK LOAN |
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Pay off your mortgage and own your home in as little as 10 years with our Fast Track mortgage loan. There is no appraisal fee2, no prepayment penalty and a low fixed rate! Call one of our Home Loan Consultants at 303.279.6414 for more information and to apply.
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| JUMBO LOANS |
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Dream BIG and we’ll help you get there!
For home purchases that exceed the FHFA County Loan Limit, we offer a Jumbo ARM loan. On Tap Credit Union’s jumbo loan product allows qualified borrowers to access up to 90 percent of the loan-to-value of the home being purchased. This means that some borrowers will only need 10 percent of the home’s purchase price or value (whichever is less) as a down payment, with no mortgage insurance required. |
“After our car loan, we knew that we wanted On Tap Credit Union for our home loan. While house hunting, Leslie worked with us to get pre-approved with a great interest rate and had all of the paperwork set when we were ready to make an offer. We signed papers on our dream house on our first wedding anniversary!”
Rachel & Diego R. , Members Since 2010
1 First-time homebuyers are those who have never owned real property. Maximum appraisal fee waived is $450, on approved applications only.
2 Maximum appraisal fee waived is $450, on approved applications only.
