We Make Buying Your Next Home Easy

Blue can help you when it’s time to secure financing for your home.

Our team can offer Blue members access to a variety of mortgages and home loans.

First Mortgage

Buying a home is one of the most important decisions you can make, which is why we'll guide you through the process. We work closely with you to explain underwriting guidelines, credit requirements, and the money you need to close on a mortgage loan. Navigating the home-buying process can be overwhelming. Blue works with our trusted partner at Centennial Lending, a Credit Union Service Organization (CUSO), to get you into your dream home. Our mortgage experts ensure the option you choose will fit your current financial situation while also helping you plan for years down the road.

  • Choose from FHA, VA, conventional, WCDA, construction, or business loans

  • Home loan refinancing

  • Other customized loan programs

What is a WCDA Loan for first-time home buyers?
If you are a first-time home buyer in the state of Wyoming, you may qualify for WCDA funds at special interest rates. To qualify for a WCDA, you cannot have owned a home in the last 3 years. Income limitations also apply.

See Today's First Mortgage Rates »
Fixed-Rate Second Mortgage

Blue Federal Credit Union knows you've worked hard to build equity in your home. Now is the time to put it to work for you. Use our Fixed-Rate Second Mortgages for several financial projects including:

  • Home improvements

  • Debt consolidation or pay offs

  • Finance your children's education

What option is best for me?

Second mortgages differ from Home Equity Lines of Credit by securing the balance of your loan upfront in one lump sum. These loans are great for home improvement projects with great low rates. Take the next step in your financial future by visiting any of our convenient locations to speak with one of our financial experts face-to-face, or fill out the form below and we'll be in touch as soon as we can! Contact us today to get started or apply online.

Apply Today »

Finish Line Mortgage

When you're on the road to financial freedom, start with a Finish Line Mortgage from Blue. It's more than just refinancing your mortgage - it's a chance to save tens of thousands of dollars over the life of your loan. By paying a little more each month, you'll pay much less in interest.

How does it work?

  • Competitive fixed rates

  • No need to lock in your rate like a traditional first mortgage

  • Blue acquires your first mortgage and becomes 1st position lien holder

  • 180-month term

  • Maximum loan-to-value 80% (LTV)

  • Low closing costs

  • Principal and interest payment only; no escrow—ask us how you can start a savings plan for your annual taxes & insurance

  • Non-owner occupied and home purchase originations are not eligible for this product


Bring over any other debt using the equity you already have in your home.


Refinance your mortgage at a fixed rate that won't change over the life of your loan.


By paying a little more each month, your Finish Line Mortgage will be paid off faster than a traditional mortgage.


Save thousands of dollars in interest by paying your loan off faster.

Apply Today

Meet the Mortgage and Lending Team

Our mortgage experts will ensure the option you choose will fit your current financial situation while also helping you plan for years down the road.

Meet the Team »
Contact Us

Wish to talk to one of our experts to discuss your homebuying options or ask questions?

Contact Us »
No Money Down Mortgage

The No Money Down Mortgage Program is a initiative that enables creditworthy prospective homebuyers with stable employment and sufficient monthly income the ability to obtain 100% financing.

Learn More »

Home Equity Line of Credit

A Home Equity Line of Credit is a revolving line of credit secured by the equity you have in your home. HELOCs can be a great way to pay for all the things you've been wanting to do like consolidate debt, tackle home improvement projects or even take a dream vacation.

Learn More ↠

For You. For Life.