Castle Rock Loan Programs

You're closer than ever to realizing your dream of home ownership, or re-financing your existing, high-priced Castle Rock loan. We also finance commercial properties.

Just fill out our online Castle Rock mortgage application,
or call (303) 495-5655 today.

Not Sure Which Program Is Right For You?
Our range of Castle Rock mortgage products and properties makes it easy to find the right Castle Rock loan program and home for you.

Contact us today to help find your solution.

A Conventional Castle Rock Fixed-Rate Loan Buyer:

• Has at least a 3%-5% down payment and a solid credit history that offsets the need for the typical 20% to 25% required down paymen.
• Has closing costs and a reserve on hand.
• Has good to excellent credit.
• Qualifies for market-rate interest (lower monthly payments).
• Doesn't require creative financing.
• Seeks financial stability and security.
• Has low, outstanding debt, for example credit card debt, medical expenses, etc.
• Has increasing earnings power.
• Can afford mortgage insurance if required by the lender.

A Typical Castle Rock ARM Buyer:

• Can expect with some certainty that his or her income will increase.
• Desires a home that is slightly out of his or her financial reach.
• Desires a short-term ownership.
• Cannot qualify at market rates and needs a lower initial interest rate.
• Wishes to buy a Castle Rock property when conventional fixed-rates are high or when rates are expected to decline.
• Wishes to take advantage of an ARM's conversion option.
• Does not need the security - emotional or financial - of a fixed-rate mortgage.
• Wants the loan to adjust based on inflation and economic swings.
• Wants to shop for an index and adjustment period that best coincides with his or her needs in purchasing the Castle Rock property.

Go to Castle Rock Commercial Mortgage Programs

 

Castle Rock Facts

• The region in and around Castle Rock was originally home to the Arapahoe and Cheyenne tribes.
• Settlers were drawn to the region around Castle Rock by rumors of gold and by land opened through the Homestead Act of 1862.

Colleges in the area:

University of Phoenix, Colorado College, Community College of Aurora, US Air Force Academy , Emily Griffith Opportunity School, Red Rocks Community College , Regis University, University of Colorado at Colorado Springs

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Loans are originated under the Financial Services Division of Emery Federal Credit Union. Your Loan Officer or Mortgage Consultant is your main contact regarding your loan transaction. Please contact them during your loan process. If you need further assistance, please contact our help desk at: 800-880-3020 or help@EmeryFed.com. We look forward to serving you.
Originally chartered in 1939 to serve Emery Industries, in 1984 Emery FCU expanded our field of membership to include other diverse groups. Today Emery FCU serves the employees (and their family members) of over one hundred sixty four (164) companies.
Emery FCU is a not-for-profit, member-owned financial institution. Unlike banks, thrifts, and finance companies who operate on a "for profit" basis, we return excess earnings back to our members in the form of lower loan interest rates, higher yield savings and investment accounts, and low or no fee convenience services in addition to the friendly, unmatched member service provided. As a not-for profit financial cooperative, you have the assurance of knowing that your money is safe and secure because it is Federally Insured, through the National Credit Union Administration (NCUA).
* APR based on $200,000 loan amount. APR will change depending on loan amount.    © Denver Mortgage Rates