Mortgage Loans

We make and service the loans locally and, in many cases, maintain the loans in our own portfolio rather than selling them to an investor, as mortgage loan brokers do.

Because we make decisions locally, and because making mortgage loans has been our specialty since our founding in 1954, we can bring added flexibility and creativity in creating a loan that suits your needs – whether you are purchasing a new home or refinancing your current home. We also can provide you with a “cash out” refinance, allowing you simultaneously to refinance and tap in to some of the equity you have built in your home.

We offer fixed rate or adjustable rate mortgages (ARMs). Loans are available for owner-occupied and non-owner occupied dwellings.

CHFA Loans

We offer 30-year loans up to 100% of the purchase price to low- and moderate-income families to purchase a home through the Colorado Housing Finance Authority.

Home Equity Loans

A Home Equity Loan on your owner-occupied dwelling can provide you with ready cash for any number of needs. And it could save you money over typical consumer loans by being tax deductible, as well. Talk to us about loans to help with:

  • Paying off or consolidating more costly consumer debt
  • College expenses
  • Medical expenses
  • Dream vacations

Please talk to your tax advisor about interest deductibility.

Construction Loans

We can finance the project, then, when it is completed, provide permanent financing.

Rural Housing Loans

Rural Housing, part of the Department of Agriculture, guarantees loans made by Equitable for the purchase of a home up to 100% of the purchase price. The borrower must have an adjusted annual family income that does not exceed 115% of the median income for the area.