At Elevations, we know Colorado mortgages.

Whether you want to buy a house or build one, refinancing your mortgage or invest in real estate, we’ll partner with you every step of the way. We’ll help you outline actionable financial steps to reach your homebuying goals, decide on the type of home you want and how much you can afford, determine the best mortgage rate in Colorado, down payment option, and select a home loan.

Apply nowRequest a personalized loan proposal

Mortgage benefits with Elevations:

  • Fast and easy online mortgage application(opens in a new window)

  • Down payment options as low as 3%

  • Weekly updates on your mortgage loan application(opens in a new window) to keep you in the know

  • In-house team of local underwriters, processors and closers for a faster process

  • Deep knowledge of Colorado markets and strong relationships with local Realtors® and title companies

  • Variety of loan options, including loans with fixed rates and adjustable rates (ARMs), jumbo loans, Federal Housing Administration (FHA) loans and Veterans Affairs (VA) loans

  • Simple online mortgage service center with the option for automatic payments

  • Courtesy Spanish and Mandarin, loan translation services, offered: Mortgage Translations FAQs(opens in a new window)

A couple stands in front of their new home.

Mortgage loans designed for Colorado homebuyers:

Fast Track Mortgage Loan Approval

Strengthen your offer in a competitive market.

Let our underwriters arm you with the ability to make a strong offer in the competitive Colorado market. Our unique Fast Track Approval mortgage loan approval allows you to present a solid approval that's based on our underwriter's verification of your credit, income and assets when negotiating a purchase contract.

Down Payment Options

Down payments fit for you.

With a number of down payment options, your homeownership dreams might be more achievable than you think. There are alternatives to a 20% down payment—in fact, your down payment can start at just 3%. We'll help you explore the possibilities.

No Closing Cost Option

Lighten your load by removing closing costs.

Consider our no closing cost option if you want to save cash for the down payment or a remodel, or if you want to refinance to lower your rate without a large expense. Available for conforming loans, Elevations will pay all non-recurring closing costs like lender fees and title fees, while the borrower pays a slightly higher interest rate.

Combination Loans (80/10/10)

Sidestep private mortgage insurance.

By combining a mortgage and a home equity loan or line of credit (often called a second mortgage), you may be able to buy a home without putting 20% down or paying for Private Mortgage Insurance (PMI). These combination loans are available for up to 90% of your home’s value with conforming and jumbo loan options.

Elevations Mortgage Trailhead

Just the numbers please

Are you interested in seeing your mortgage loan options and everything that goes into your monthly payment? By sharing a few details about your current loan requirements, you'll provide our loan officers with what they need to prepare accurate loan proposals tailored to your individual needs. We won't pull your credit report, and there is no pressure to get your mortgage. You can complete a loan application once you have found the loan mapped out for your homebuying journey.

Find out what your home is worth.

Photo of Elevations mortgage team on at the Elevations main office stairs

Meet Our Team

We're here to answer all your mortgage questions.

When you're talking mortgage loans — also known as “a big deal” — you want to talk to a real, live human being. A local one is even better. Our experienced, award-winning team of mortgage lenders is here and happy to serve you. Because when it comes to Colorado mortgages, sharing our knowledge with you is one of our favorite parts of the job.

Let's talk mortgage loans:

Let's talk Home Equity:

Payment example: $300,000 loan amount at 5.00% APR for 30 years would be $1,611 per month. This amount does not include taxes, insurance or mortgage insurance premiums which, if applicable, will result in a greater payment obligation.

Ready to get pre-approved? It's fast and easy to apply online.


Resources to help you achieve your dreams

Discover the key to unlocking your dream home with Down Payment Resource. This platform offers support by connecting you with a number of programs across Colorado that can assist with down payments and closing costs. Don't let the challenge of a down payment stand in your way of homeownership. Explore your options today and see how we can help turn your homebuying aspirations into reality.

* Down Payment Resource is a 3rd party resource and not affiliated with Elevations Credit Union.


Your Mortgage translation tool

Navigating mortgage documents can be complex, but Elevations Credit Union is here to simplify the process. Talk’uments, an exclusive service for our members, translates your Loan Estimate and Closing Disclosure into Spanish or Mandarin and ensures you understand your specific loan details in English, too. As the first credit union to offer this unique tool, we aim to empower you with knowledge about your mortgage. Contact your mortgage loan officer to request access today.(opens in a new window) 

Young couple carries moving boxes into their new home


Estimate your monthly mortgage payments.

Use our mortgage calculator to help get a better picture of what to expect with a new mortgage. You can estimate what your monthly payments might be and the total amount you will eventually pay for the property.

Woman teaching child to ride a bike

Mortgage Seminars

Join us to learn more about homebuying.

We proudly offer seminars along the Front Range every month that are free and open to the public. Topics include buying your first home, home appraisals, investment properties and more. We are committed to answering your questions, addressing concerns and empowering you all along the way.

Commonly asked questions

More ways we can help you


Build a home or remodel with affordable financing options.

Learn more

Home Equity

Use your home's value to renovate, fund education or even refinance debt.

Learn more

Mortgage Refinance

Refinance your mortgage loan to save money or use your equity for expenses.

Learn more