Mortgage Loans

Home ownership is a big financial step. For most people, buying a home is the largest purchase they will ever make.

With Elevations, you have mortgage professionals that have your financial well-being in mind. We’ll take good care of you — getting you the funds you need with a quick closing.

At Elevations, you’re not put through a cookie-cutter process. We have the flexibility to work with a unique property, employment status or family situation. You also have more power to drive decisions involving loan types and fees. We serve in areas across the Colorado Front Range, including the cities of Boulder, Broomfield, Fort Collins, Lafayette, Longmont, Louisville and Loveland.

Our mortgage professionals can assist you in:

  • Getting your finances in order
  • Deciding on the type of home you want and how much you can afford
  • Selecting a mortgage loan option
  • Making an offer on a home, doing an inspection and closing on your loan

Click on a mortgage type or topic below to find out more.

Fixed Rate Mortgage

10 Year Quick Close Mortgage

Jumbo Mortgage

Adjustable Rate Mortgages (ARM)

FHA Loans

VA Loans

USDA Loans

Construction Loans

Combination Loans (80/10/10)

Down Payment Options

No Closing Cost Option

Credit, Income, Asset Mortgage Loan Approval (CIA)

Niche Portfolio Products

Elevations has the ability to help our members when other financial institutions won't. If you have a unique property or situation, call one of our Mortgage Professionals today.



​Speak to an Elevations Mortgage Professional today. Call 303.443.4672 ext. 2289 or 800.429.7626 ext. 2289 or use the form on this page to get in touch.

Mortgage Rates

Interest Rate
Discount Point
Terms 10 yr. Fixed
Interest Rate 3.500%
Discount Point 0.00%
APR* 3.654%
Terms 10 yr. Quick Close (no closing cost)
Interest Rate 4.000%
Discount Point 0.00%
APR* 4.035%
Terms 15 yr. Fixed
Interest Rate 3.625%
Discount Point 0.00%
APR* 3.733%
Terms 20 yr. Fixed
Interest Rate 4.125%
Discount Point 0.00%
APR* 4.212%
Terms 30 yr. Fixed
Interest Rate 4.250%
Discount Point 0.00%
APR* 4.314%
Terms 15 yr. Jumbo Fixed
Interest Rate 3.625%
Discount Point 0.00%
APR* 3.678%
Terms 20 yr. Jumbo Fixed
Interest Rate 3.875%
Discount Point 0.00%
APR* 3.917%
Terms 30 yr. Jumbo Fixed
Interest Rate 4.000%
Discount Point 0.00%
APR* 4.031%
Terms 1 yr. ARM*
Interest Rate 3.250%**
Discount Point 0.00%
APR* 4.229%**
Terms 3/1 ARM*
Interest Rate 3.750%**
Discount Point 0.00%
APR* 4.197%**
Terms 5/1 ARM*
Interest Rate 3.375%**
Discount Point 0.00%
APR* 3.997%**
Terms 7/1 ARM*
Interest Rate 3.375%**
Discount Point 0.00%
APR* 3.898%**
Terms 10/1 ARM*
Interest Rate 4.375%**
Discount Point 0.00%
APR* 4.393%**
Terms 3/1 ARM Jumbo*
Interest Rate 3.250%**
Discount Point 0.00%
APR* 4.051%**
Terms 5/1 ARM Jumbo*
Interest Rate 3.250%**
Discount Point 0.00%
APR* 3.922%**
Terms 7/1 ARM Jumbo*
Interest Rate 3.125%**
Discount Point 0.00%
APR* 3.751%**
Terms 10/1 ARM Jumbo*
Interest Rate 3.625%**
Discount Point 0.00%
APR* 3.894%**
  • Rates shown are subject to change.
  • For primary residence and 2nd homes only.
    APR = Annual Percentage Rate.
  • P&I = Principal and Interest Jumbo product required on loan amounts greater than $484,350
  • Interest Rate, APR Calculations and Monthly Payment are based on the following assumptions: Based on $180,000 loan amount ($500,000 for Jumbo), LTV 80%, Credit Score 740. The advertised rate scenario only applies to rate and term refinance transactions.
  • LTV = Loan-to-Value, meaning the loan amount divided by the sales price (or appraised value, whichever is less)
  • Loan level price adjustments may apply.


  • Based on an interest rate of 4% a payment amount equals $4.78 per $1,000 for a 30 year term. This amount does not include taxes, insurance or mortgage insurance premiums which, if applicable, will result in a greater payment obligation.
  • Mortgage Loans are available on properties in Colorado.
  • Membership to Elevations Credit Union is required.
  • *ARM - Adjustable Rate Mortgage. Rates are fixed for the first 1, 3, 5, 7 or 10 years depending on product then adjust yearly.
  • ** Interest Rate and APR are only fixed for the 1, 3, 5, 7 or 10 year term and may adjust after the fixed term.
  • *** Monthly Principal and Interest Payment may adjust after the fixed term.

Have a question?
Contact our Mortgage Team at:
303-443-4672 x2289

Request an Appointment with our Mortgage Team

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