Skip to main content Skip to footer menu Skip to footer



First Mortgages

Partner with Denver Community Credit Union to make your home buying experience easier. Start by getting pre-qualified. We offer various First Mortgage products, so no matter what you are looking for we have the right solution for you. We also offer refinancing on your current First Mortgage to save you money over the life of the loan.

Fixed Rate First Mortgage

  • We offer a variety of terms.
  • Use the funds to get into the home of your dreams.
  • We offer an easy-to-understand mortgage application that can be started from the comfort of your own home.

Apply Now

Adjustable Rate Mortgage

  • An Adjustable Rate First Mortgage benefits members by providing fixed rate mortgage payments for the first 5 years of the loan.
  • After the first 5 years, payments are adjusted annually to account for market conditions.
  • Our competitive rates can save you money over the life of the loan.

Apply Now


HomeReady First Mortgage

Are you HomeReady?  With our HomeReady™ First Mortgage, getting into a home is easier than ever.*

  • Flexible sources of down payment funds
  • Low down payment options**

Apply Now


$300 Closing Rebate

Close on a new first mortgage of $175,000 or more at Denver Community Credit Union between April 22, 2019 and August 4, 2019 and receive $300 back!***

For more information or to speak to a mortgage loan officer, please call 303-573-1170.  Use our Borrower's Checklist to make the application process easier:  Borrower's Checklist

All loans are subject to credit approval.


* Income limits may apply.  Rates as low as 4.750% Annual Percentage Rate (APR) for a 30 year term at a fixed rate.  Rate accurate as of 4/20/2018. All rates are subject to change at any time. Rates may vary with term or credit quality.  Fixed rates available for 10-30 year terms. 5 year and 7 year Adjustable Rate Terms are also available.  At a rate of 4.750% APR for 30 years, a monthly payment would be $782.47 for a $150,000 loan.  Payment example includes principal and interest only.  Actual payment may be higher due to taxes, insurance, and other costs.  Closing costs of 2% of mortgage amount apply.  Escrow required for property taxes, monthly mortgage insurance, and property hazard insurance, which impacts your overall monthly payment.  Homeownership Education is required for $75 fee, which is the responsibility of the borrower.  Certificate of completion required upon loan closing.

** For a mortgage loan of $150,000, a 3% down payment is $4,500.

HomeReady is a trademark of Fannie Mae.

***All loans are subject to credit and collateral approval.  Offer valid for first-lien mortgages new to Denver Community Credit Union.  Mortgage must be $175,000 or more to qualify.  $300 deposited into member’s Share Savings account within 30 days of loan funding.  Incentive is subject to taxation.  Offer valid on mortgages closed 4/22/2019 through 8/4/2019.

You are leaving Denver Community Credit Union's website. Denver Community does not control this site and is not responsible for the content, products, or services available on the linked site. The credit union does not represent the third party or the member, if the two enter a transaction. The privacy and security policies of this linked site may differ from our own.

You will now access the following link:

Press "OK" to proceed, or press "Cancel" to remain here.