Mortgage and Refinance 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.

See First Mortgage Rates »

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.

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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?

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

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

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

4. 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!

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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

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