Mortgage and Refinance Loans
Your dream home awaits—plus great interest rates! Explore home mortgage and refinancing options.
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.
Mortgage and Home Equity Loans
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.
Choose from FHA, VA, conventional, WCDA, construction, or business loans
Residential construction loans
Commercial lines of credit secured by real estate
Lot loans
Commercial real estate loans
Multi-family and rental property loans
Commercial construction loans
Other customized loan programs
What is a WCDA Loan?
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.
Questions about the process? We're here to help.
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.
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?
Consolidate. Bring over any other debt using the equity you already have in your home.
Refinance. Refinance your mortgage at a fixed rate that won't change over the life of your loan.
Accelerate. By paying a little more each month, your Finish Line Mortgage will be paid off faster than a traditional mortgage.
Save. Save thousands of dollars in interest by paying your loan off faster.
Finish Line Mortgage features
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
Principle 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
Get a custom payment comparison
We can build you a custom payment comparison on what you're paying now, and what you could be saving with a Finish Line Mortgage from Blue. Get in touch today to get started!
A Home Equity Line of Credit is a revolving line of credit secured by the equity in a home. Using the equity you already have in your home can be a great way to get to all the things you've been putting on hold.
Line of Credit $10,000 – $150,000
Minimum advance $100
Advances of credit line can be made up to 10 years
Balance of loan is due in 10 years
Minimum monthly payment is 1% of balance or $100
Meet our Mortgage Team
Johnnette Blakley
1st Mortgage Loan ManagerJohnnette Blakley started in the credit union industry in 2001, starting out as a teller and moving up through the years into lending. Johnnette started 1st mortgage lending in 2012 and is now currently the mortgage manager at Blue. Johnnette’s background in mortgage lending makes her an expert in Conventional, FHA, VA, USDA, WCDA and portfolio lending. Johnnette is always looking for ways to help her loan officers find the best products and solutions for all members and their needs. Johnnette is a native of Colorado and currently works out of the Longmont area. Johnnette grew up in the Broomfield area and later moved to Frederick. She has 3 children and 2 grandchildren whom all love to be outdoors camping and enjoying the mountains of Colorado. NMLS: 964809
(307) 996-1134
Ed Bettinson
1st Mortgage OfficerEd Bettinson is a 1st Mortgage Officer based in Broomfield. He started with the credit union in 2010 and he has helped hundreds of members make an informed decision about a home purchase or refinance. His passion is understanding members needs and helping them navigate the mortgage loan process to achieve their goals. The Blue promise, “ For you. For Life” describes Ed’s desire to build a lifetime relationship with members. Prior to joining the credit union, Ed’s experience includes 30 years in the mortgage and lending industries. Ed and his wife Janet are Broomfield residents. They enjoy spending time with their family and travel. NMLS: 239719
(303) 343-5778
Jason Harris
1st Mortgage OfficerJason grew up in Wyoming, spent most of his younger years in Rawlins, and then attended UW after high school, graduating with a BS in Business Management. After graduating from UW, he moved to Houston for a year, but realized there is no place like Wyoming. Cheyenne has been home for the past 15 years. Jason has been in the credit union industry for 15 years. During those 15 years, he has been involved in the lending side in one capacity or another. He has been with Blue for almost 6 years. For the past 2.5 years, he has been with the Mortgage Dept. He has a passion for members and wants them to be financially successful in every aspect. He understands that buying a home is major step in one’s life and strives to make the process as painless as possible. NMLS: 644671
(307) 432-5439
Joe Kalb
1st Mortgage OfficerJoe has worked in Lending for the credit union since 2012. Starting as Manager of the teller line with the former BME Credit Union, Joe has worked his way up to Loan Officer and eventually 1st Mortgage Loan Officer with Blue. With a passion for helping members and providing sound financial advice, Joe’s success has relied on his knowledge of products and providing quality service and consultation. Having experience with Conventional, FHA, VA, and USDA loans, Joe can assist you with determining the best program for your mortgage purchase or refinance. Originally from Iowa and with a degree from Iowa State University, Joe fell in love with Colorado after spending vacations skiing and camping in the Rockies. When he’s not in the office, you’ll find Joe in the mountains, playing music, traveling with his wife, or completing his latest woodworking project. NMLS: 1096272
(303) 441-7823
Derek Lisbon
1st Mortgage Loan OfficerDerek Lisbon grew up in the San Joaquin Valley and spent his young adulthood on the Central Coast of California. From an early age he has had an interest in real estate and helped his parents sell his family home. He started his career in banking in 2007 in San Luis Obispo, CA, as a traveling teller moving up through the years into lending. He became a teller with Blue Federal Credit Union in 2015, a Financial Specialist in 2016, and most recently has been promoted to First Mortgage Officer for Blue in the northern Colorado region. Derek prides himself in building relationships with his members, determining their needs, and helping them reach their goals. He is looking forward to bringing his knowledge of banking together with his passion for real estate and helping his members make their dreams of home ownership a reality. Although a native Californian, Derek quickly adjusted to his new Colorado lifestyle in 2012. In his leisure time he enjoys camping with his spouse and three dogs. On vacations, he visits family in California, including his adorable 10 year old nephew who thinks he's Mr. Cool. NMLS: 949981
(970) 204-8096
First Time Buying a Home?
If you’re a first-time home buyer, 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 will ensure the option you choose will fit your current financial situation while also helping you plan for years down the road.
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