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.
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.
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.
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.
Limited Time Offer
Homeownership & Summer Rate
Rescue Promotion
Enjoy lower monthly payments on your current or future dream home. Whether you are refinancing your current home or buying new, these exclusive offers help you keep more money in your pocket.
Refinance Discount:
0.25% discount on your qualifying rate
New Mortgage Discount:
0.25% discount on your qualifying rate
Members also get a $750 waiver off of the processing fee and a 0.25% discount on the origination fee! 2
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.
Run the numbers before you apply.
Use our home loan calculators to estimate payments, compare refinancing options, and find out how much home you can afford.
Meet our mortgage team.
Have questions? Our team is here to walk you through every step — from loan options to closing day.
Stacy Aurich
VP of Mortgage and Commercial
Horst “Bluey” Kwech
1st Mortgage Sales Manager
NMLS: 1096272
Jason Harris
1st Mortgage Officer
7th Avenue Branch, Cheyenne, WY
NMLS: 644671
Dawn Howard
1st Mortgage Officer
Yale Avenue Branch, Denver, CO
Joe Kalb
1st Mortgage Officer
287 Branch, Lafayette, CO
NMLS: 1096272
Allison Mann
1st Mortgage Officer
Dublin Blvd Branch, Colorado Springs, CO
FAQs
Common questions about buying, refinancing, and using your home’s equity.
What types of mortgage loans does Blue offer?
Through our partner Centennial Lending, we offer access to Conventional, FHA, VA, and WCDA loans, as well as construction loans and refinance options. For home equity, we offer fixed-rate second mortgages and a Home Equity Line of Credit (HELOC) directly through Blue. Our team can help you compare options and find the right fit for your situation.
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.
How do I apply for the current mortgage discount offer?
To take advantage of the current promotion, complete the discount request form on this page or reach out directly to our mortgage team at mortgage@bluefcu.com. A loan officer will follow up to confirm eligibility and walk you through the process. Current Blue members who have been members for at least six months may qualify for additional savings, including a $750 processing fee waiver and a 0.25% discount on the origination fee.
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.
Still have questions?
Reach out and a member of our mortgage team will be in touch.
Get Started
Ready to make your move?
Whether you’re buying, refinancing, or just exploring your options, our mortgage team is here to help. Reach out today — no pressure, just answers.
Mortgage Contact Form
More from Blue
Tips, guides, and resources to help you make confident decisions about your home.
How to Get Your Finances in Shape to Buy a Home
The Value of Belonging to a Credit Union
