Mortgage and Home Equity Loans...

First Mortgage

Pre-qualify for a mortgage amount before you shop, with HNCU, it's FREE!

Choosing the right mortgage is one of the most important decisions you can make.  Let our mortgage professionals help you with your mortgage needs. We’ll assistance you every step of the way to becoming a proud home owner. At HNCU you are not put through a cookie-cutter process, you’re more than a number to us. At HNCU you’re an owner, member. 

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Call 303.450.0719 to speak with our in-house home loan expert.

All loans require a completed loan application and approved credit. Some restrictions may apply. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.

Home Equity Line of Credit

A home equity line of credit is a pre-approved loan amount you can draw on as you need it. A HELOC is a great way to pay for unexpected expenses, such as a major car repair, without using much higher rate credit cards. It’s also a great way to manage college tuition and room and board payments.

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Home Equity Loan

The equity in your home can be used to fund a special project such as a new kitchen; high interest rate / credit card debt consolidation, medical expenses and more...

• Borrow up to 90% of your primary residence’s current value
• Take up to 15 years to repay

*APR = Annual Percentage Rate. Rates and terms accurate as of 7/27/23. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For home equity line of credit terms of 60 months estimated monthly payment of $717.86 per $35,000 borrowed. Payment is based on home equity line of credit rate of 8.500%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.

Fixed Rate Second Mortgage

• Borrow up to 90% of your primary residence’s current value
• Take up to 15 years to repay

*APR = Annual Percentage Rate. Rates and terms accurate as of 5/4/23. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For a fixed rate 2nd mortgage terms of 60 months estimated monthly payment of $717.05 per $35,000 borrowed. Payment is based on fixed rate 2nd mortgage rate of 8.250%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.

Looking to Refinance Your Mortgage?

Refinancing replaces your current mortgage with a new mortgage that has different terms.  Refinancing can be an excellent way to save money over the life of your loan, if the conditions are right. Apply today to take advantage of great rates and low origination fees.

Apply online or in our branch.

All loans require a completed loan application and approved credit. Some restrictions may apply. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.