Home Loans

Owning a Home is Easier than Ever

Fidelis Catholic Credit Union is here to make your dreams of owning a home a reality. No matter if you're just getting started researching the first home you'll ever purchase, if you're in need of a bigger home due to an expanded family, or looking to downsize into something more comfortable now that the children have homes of their own — we're here to put you in the right home loan for you.

Our expert team will be there for you, answering your questions and guiding you through the entire process. We'll show you how selecting the right loan can save you money, reduce the time it takes to build equity and provide peace of mind knowing you've made the right decision. In the end, buying a home can provide two big benefits — a good investment and a place to call your own!

And once you've built some equity, you can come back to us to look at ways to leverage that equity for things like education expenses, home upgrades, vacations, or whatever you may need the extra money for.

First Mortgages

We partner with Centennial Lending, a Credit Union Service Organization (CUSO), to help guide you through the process of purchasing a new home. Through this partnership, they will explain underwriting guidelines, credit requirements, the money needed to close on a mortgage loan, and any other questions you may have.

Choose from a variety of mortgage types to fit your specific needs, including:

  • Fixed
  • Adjustable
  • Jumbo Loans

Apply Online   View Rates

Second Mortgages

Considering a home improvement project? Planning for your children's higher education, or that once-in-a-lifetime vacation? Or maybe you simply want to consolidate some expenses into one payment? Whatever your needs and dreams may be, you can leverage the equity built-up in your home with a 2nd Mortgage, also known as a Home Equity Loan. This loan has a one-time cash distribution, a fixed interest rate and the interest paid may be tax deductible.* Your monthly payment will be set for the life of the loan with minimal closing costs. And we offer terms ranging from 5 to 12 years.

Features:

  • Fixed rate loan
  • Competitive interest rates
  • Terms up to 12 years
  • Convenient application
  • Fast credit decision
  • Little or no closing cost
  • Variety of payment options

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*Consult your tax advisor for more information.

HELOC

A Home Equity Line Of Credit (HELOC) can be described as a second mortgage with a revolving line of credit. With a HELOC you can borrow against your approved line of credit over multiple years, as you need it.

A HELOC offers you several advantages. You can utilize the equity in your home for large purchases like cars, college, vacations, property, etc. Or you may choose to consolidate your bills into one lump payment each month.

Features:

  • Variable rate line of credit
  • Evolving limit available to draw on for 7 years
  • 15 year repayment
  • Variety of payment options
  • No annual fee
  • Low closing costs
  • Fast credit decision
  • Flexibility to pay as you advance
  • Interest paid on a HELOC may be tax deductible (consult your tax advisor for deductibility)
  • No minimum balance requirements

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ValueCheck

ValueCheck allows you to research any home your interested in purchasing, or you can take a look at the value of your current home. Simply enter in the information below!

ValueCheck Form

Get Started Today!
Call us at 303.424.5037 to discuss your home loan needs or to request a home loan application.
Rates change frequently and will be quoted as requested.

Know Before You Owe

Uniting Your Faith and FinancesTM