Mortgage & Refinance Loans
Your dream home awaits—plus great interest rates!
We Make Buying Your Next Home Easy
Stress Less When Buying Your Next Home
Your relationship with 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 through our partnership with Centennial Lending.
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.
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 Now »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?
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
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
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!
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
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.
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 Blue Mortgage and Lending Team »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.
