loans

Mortgage & Home Loans

Whether you’re buying your first home, refinancing, or tapping into your equity, Blue is here to help you move forward with confidence. Trusted guidance, competitive options, and people who actually know your name.

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Find the right loan for your home.

From first-time purchases to refinancing to tapping your equity, we have options for every stage of homeownership.

First Mortgage

Buying a home is a big step — and you don’t have to navigate it alone. Through our trusted partner Centennial Lending, we offer access to a range of mortgage solutions including Conventional, FHA, VA, and WCDA loans, plus construction and refinance options.

Learn More about our Mortgages

Fixed-Rate Second Mortgage

You’ve built equity in your home. Put it to work with a fixed-rate second mortgage — a lump-sum loan with predictable payments and a set repayment schedule.

Learn More about Second Mortgages

Front view of mid adults couple planning with tablet indoors at home, relocation and diy concept.

Home Equity Line of Credit (HELOC)

Put your home’s equity to work with flexible access to funds for whatever comes next. A HELOC offers a revolving line of credit built for flexibility and possibility.

Learn More about HELOCs

Why finance your home with Blue?

We answer to our members, not shareholders. That means your best interests come first.

Personalized Guidance

Our mortgage team takes the time to understand your situation and helps you find the loan that fits your life today and your plans for tomorrow.

Competitive Options

From Conventional and FHA to VA and WCDA loans, we offer a range of programs through our trusted partner Centennial Lending so you can find the right fit.

Member Discounts

Current members get exclusive savings, including fee waivers and rate discounts that aren’t available anywhere else.

Local Expertise

Our mortgage officers are based in Wyoming and Colorado — they know the markets, the communities, and what it takes to get you to the closing table.

Rates as low as 6.50

% APR^**

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Rates as low as 7.00

% APR^**

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Home Loan Rates ¹

Considering getting a home loan, mortgage, or HELOC? Check out Blue’s home loan, mortgage, and HELOC ² rates. Request a rate quote

Explore your home loan options

Purchases	REfinance & Cash Out	Additional Loan options
30/20/15-Year Conventional	Rate & Term or Cash-Out/Debt Consolidation	Unique Properties
Jumbo	Jumbo Refinances	Large Acreage
Adjustable Rate (ARM’s)	Adjustable Rate (ARM’s)	Multi-Use
Government (FHA, VA, WCDA)	Government Loans (FHA, VA)	Deed Restricted & Non-Warrantable
Land	Land	Debt-Service Loans
One-time Construction	Investment Properties (to include 2^nd liens)
Investment Properties	Bridge
First-Time Homebuyer

FAQs

Common questions about buying, refinancing, and using your home’s equity.

What types of mortgage loans does Blue offer?

Purchases

30/20/15-Year Conventional
Jumbo
Adjustable Rate (ARM’s)
Government (FHA, VA, WCDA)
Land
One-time Construction
Investment Properties
First-Time Homebuyer

Refinance & Cash Out

Rate & Term or Cash-Out/Debt Consolidation
Jumbo Refinances
Adjustable Rate (ARM’s)
Bridge
Land
Investment Properties (to include 2^nd liens)
Government Loans (FHA, VA)

Additional Loans

Unique Properties
Large Acreage
Multi-Use
Deed Restricted & Non-Warrantable
Debt-Service Loans

What is a WCDA loan and do I qualify?

A WCDA loan is a mortgage program offered through the Wyoming Community Development Authority, designed to help first-time homebuyers in Wyoming access home financing with special interest rates. In general, eligible buyers cannot have owned a home in the past three years, and income limits apply. Contact our mortgage team to find out if you qualify.

What’s the difference between a fixed-rate second mortgage and a HELOC?

Both let you borrow against the equity you’ve built in your home, but they work differently. A fixed-rate second mortgage gives you a lump sum upfront with a set repayment schedule and predictable monthly payments — a good fit when you have a specific expense and a defined budget. A HELOC works more like a line of credit: you borrow what you need, when you need it, with more flexibility over time. Not sure which is right for you? Our team can walk you through both.

Do I need to be a member to apply for a mortgage?

Yes, membership is required to access Blue’s mortgage products. If you’re not yet a member, joining is easy — and once you’re in, you’ll have access to all of our home loan options. Visit our Join page to get started.

How do I get in touch with the mortgage team?

You can email us at mortgage@bluefcu.com, call any of our mortgage officers directly using the contact information above, or fill out the contact form on this page. We’ll get back to you promptly to answer your questions and help you take the next step.