Home Loans

Whether you’re interested in purchasing your first home, buying an investment property, or looking to refinance your current home at a great rate, Bellco’s team of mortgage loan consultants are here to help. And because we’re a credit union, we can offer low down-payment options and more competitive loan products to help you get a leg up.



Our Fixed Loans

  • Available in a number of different terms, this traditional type of loan maintains its original interest rate for the entire term of your loan. 
  • It might be a good choice for you if you want to increase the loan amount you qualify for, plan to stay in your home for 10 years or more or don't expect your income to significantly increase in years to come.

Adjustable Rate Mortgage (ARM) Loans

  • The interest rates on an adjustable rate mortgages (ARM) are periodically adjusted to account for market conditions after an initial fixed term.
  • ARMs typically offer a lower initial rate and monthly payment than traditional financing but are less predictable because of variable interest rates.
  • While your initial monthly payments may be lower with an ARM, it’s important to review your loan once the fixed term expires.

Jumbo Loans

  • In the market for that "once in a lifetime" dream home? Bellco offers competitive jumbo loan interest rates for qualified members.
  • Choose from a fixed or adjustable rate loan.

Vacation and Second Home Options

Bellco goes beyond home loans for primary residences to offer loan choices for vacation properties and second homes.

View mortgage ratesGet a rate quoteApply for a loan

Home Equity ChoiceLine

Taking advantage of your existing equity is easy with your custom ChoiceLine account. In addition to low interest rates, ChoiceLine offers many benefits including the ability to use the variable-rate line of credit during the 10 year draw period, pay no annual fee and no prepayment fee, choose an interest-only payment option for your line of credit during the 10 year draw period, and much more.

Learn more Rates and disclosures Apply for a ChoiceLine

Ask a Mortgage Loan Consultant

Whether you're a first-time homebuyer or seasoned homeowner, our Mortgage Loan Consultants are dedicated to your education of the purchasing and refinancing process.

Ask a Mortgage Loan Consultant

Choosing a mortgage lender is an important decision, whether you’re heading into the real estate market as a first-time home buyer, thinking about making the move to your next home or planning to refinance your current mortgage. As your trusted financial partner, Bellco is committed to delivering you a first-rate mortgage experience.

First-time homebuyers find Bellco a great resource for helpful mortgage information.

Take advantage of our low interest rates and fees when you work with us to refinance your home mortgage.

Equal Housing Opportunity Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Bellco is federally registered through the Nationwide Mortgage Licensing System. NMLS is a free service for consumers to confirm that the mortgage loan originator with whom they wish to conduct business is federally registered. To verify the status of your Bellco mortgage loan originator, visit http://www.nmlsconsumeraccess.org.

Bellco real estate loans are only available for Colorado property.