Home Loans

Whether you are buying your first home, refinancing, or in the market for a second home, look to DFDFCU for smart financing options. We offer a variety of home loans from fixed-rate loans to variable rates including 10 & 15-year Rapid Payoff Mortgages, 15, 20, and 30-year loans, and a complete line of Home Equity Loans.


Home Equity Lines of Credit and Second Mortgages

If you are a homeowner, you may borrow money against the equity in your home with a Home Equity Line of Credit (HELOC) or a fixed rate second mortgage to pay for home improvements, college expenses, an upcoming wedding, or many other large ticket expenses.

Interest Only HELOC

Maximize Your Equity… with an Interest Only Home Equity Line Of Credit!

The lowest possible monthly payment, with even greater flexibility. This loan is ideal if you’re looking for more control over your cash flow and budget.

  • Enjoy lower monthly payments with the option of paying just the interest and as much principal as you want over a seven-year period.
  • 7-year draw period (interest only payments) with a 10-year repayment plan.

The DFDFCU Interest-only Home Equity Line-of-Credit offers benefits that save you time and money.

  • Quick approval process
  • Pay nothing unless you use your line-of-credit
  • Borrow up to 80% of your home’s value upon qualification*
  • Convenient automatic payment options for interest only payments
  • Access your funds conveniently via Digital Banking


*Rates and closing costs are subject to credit qualifications. The Annual Percentage Rate (APR) is a variable rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment plus or minus a margin. The APR range is from 3.50% APR to 18% APR. Seven year draw period. Repayment term up to 10 years. Property insurance coverage is required. Flood insurance may be required. If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment.  For more information on payment terms and fees, please see our Home Equity Line of Credit Early Disclosure.

Second Mortgages

A fixed rate second mortgage allows you to borrow money against the equity in your home.

  • 80% loan-to-value (LTV) maximum
  • Fixed rate loan*
  • Monthly principal and interest payment
  • 5, 10, and 15-year terms**

Apply Now For A Second Mortgage

*APR= Annual Percentage Rate. Rates and closing costs subject to credit qualification.  Property insurance is required, and flood insurance may be required. DFDFCU Membership is required.  If the state and/or county in which the collateral is located charges additional fees and taxes, the borrower will be responsible for payment. For more information, please contact a Personal Banker
** A loan of $25,000.00 at 9.00% APR for 5 years would have an estimaged monthly payment of $518.96. 

First Mortgage Loans

  • Closing Cost Promotions - talk with a Home Loans Specialist today
  • 15 & 30-year terms with fixed monthly payments
  • FHA, VA, and ARM loan options available*
  • No pre-payment penalties
  • Refinance options up to 97% loan-to-value
*Federal Housing Administration (FHA) loans require a minimum of 3.5% down payment. FHA loans are subject to an up-front mortgage insurance premium of 1.75% of the loan amount, in addition to a monthly mortgage insurance premium, depending on the loan term and loan-to-value (LTV). VA mortgages are guaranteed by the Department of Veterans Affairs for eligible veterans.


Rapid Payoff Mortgages (RPM)

Pay off your current mortgage in 5 to 15 years and save money on interest payments while possibly even lowering your current monthly payment. These loans are ideal for members with 15 years or less to pay on a traditional 30 year loan and with a credit score of 680 or above.*

  • $695.00 fixed closing costs*
  • 5, 10, 15-year terms with fixed monthly payments**
  • Serviced at DFDFCU for the life of your loan
  • Cash out options available
  • No Private Mortgage Insurance (PMI) or pre-payment penalties
*$695 closing charge is subject to change at any time and does not include charges for a property appraisal if required. Property appraisal charges will be paid by the member. Rates and closing costs subject to credit approval and 80% loan to value (LTV) position on property, for primary occupancy only on single family detached residence, townhouse, and condo properties only. Property insurance is required, and flood insurance may be required. Contact a Personal Banker for more information. 
**A loan of $150,000.00 at 6.15% APR for 15 years would have an estimated monthly principal and interest payment of $1277.97.  APR= Annual Percentage Rate. 


Construction Loans

Considering building a new home? Our ownership of Centennial Lending allows us to offer flexible rates and terms and experienced lenders who will do their best to make this dream a reality. Even if you’re not ready to build right now, we can help you secure that perfect lot with a land loan. You can count on Centennial Lending to offer the same prompt, personal, local service you’ve come to expect from your Credit Union.

  • Residential Construction
  • Commercial Construction
  • Development Loans
  • Vacant Land
  • Flexible Interest-Only Construction Financing

Access the construction loan application today. Please contact a loan officer at Centennial Lending at (720) 494-2740 to submit the application and supporting documentation.

*Standard credit qualifications apply. All loans are subject to final credit approval. Please consult your tax advisor, as interest paid on these loans may be tax-deductible. All second mortgage products are financed on homes in Colorado only.

Contact a DFDFCU Personal Banker to help find the right home loan option for you. 

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