303-360-0987 | Routing number: 307074467 | NMLS #: 402483

Credit Union Home Loans - Your Key to a New Home

Buying a home is the most significant financial decision most of our members will ever make, but it doesn’t need to be scary, nor should it lock up your finances. District Credit Union home loans provide the resources you need to confidently pursue your dreams of homeownership. Talk to us today and see how we can help you.

First-Time Buyer

Rate as low as 

7.24 %

Annual Rate

Second Mortage

Rate as low as 

8.00%

Annual Rate

HELOC

Rate as low as 

8.50%

Annual Rate

Auto Loans

Rate as low as 

7.24 %

Annual Rate

Auto Loans

Rate as low as 

8.00%

Annual Rate

Auto Loans

Rate as low as 

11.50%

Annual Rate

We Make Homeownership Easy with Our First Mortgage Options

Starting as Low As

6.99% APR*

If you’re looking to buy your first home or your fifth, The District Credit Union is here to help with our exceptional home loan options. Our first mortgage loans come with outstanding fixed rates for a specified period, ensuring no unwanted surprises. We also partner with Pivot Lending Group for special circumstances and unique purchasing requirements. Experience the convenience and flexibility of our credit union home loans and begin your journey toward homeownership today.

Secure Your Home Without Locking Up Your Finances

The District Credit Union home loans offer Payment Protection Credit Insurance to help you protect more than just your credit rating. Payment Protection Insurance is designed to help you meet your loan repayments if you cannot work due to an accident, sickness, or involuntary unemployment. Contact us about this program if you are applying for a loan.

Second Mortgages to Achieve Your Dreams

Starting as Low As

9.55% APR*

We have resources, tools, and a friendly smile to help you understand everything you need to know about second mortgages and credit union home loans. Our loan experts will guide you through the process, from application to closing, ensuring you have all the necessary information and documents. We offer an Education Center with free resources on home equity and loan options and a Bi-weekly Payment Calculator to show you how much you can save in interest with accelerated payments. Let us help you realize your dreams with the financial support you need.

  • Home equity loans and HELOC options
  • Make home improvements, pay off high-interest debt, finance your education, or for any other purpose.
  • Save money on interest with low rates
  • Education Center
  • Bi-weekly Payment Calculator

Frequently Asked Questions

At The District Credit Union, we want you to feel comfortable and confident when making decisions about your home loan. Here are some of the most frequently asked questions about credit union home loans and home buying, including conventional loans, VA loans, and refinance options.

At District Credit Union, we offer a variety of home loan products designed to meet the needs of our members in Aurora, Cherry Creek, and Colorado. This includes adjustable-rate mortgages, conventional loans, VA loans, and jumbo loans, subject to credit approval and subject to change. Our home loans are tailored to help you achieve your dream of homeownership with competitive rates and flexible terms.


We provide conventional fixed-rate mortgages, which offer stability with consistent monthly payments over the life of the loan. Our adjustable-rate mortgages (ARMs) feature lower starting rates that adjust over time according to market conditions for those looking for lower initial payments.


Through our partner, Pivot Lending Group, first-time homebuyers can benefit from specialized programs that offer lower down payments and additional support throughout the purchasing process.


For those interested in building their own home, our construction loans provide the funding needed to turn blueprints into reality. Our experienced mortgage team will guide you through every step, ensuring a smooth and stress-free experience.


Whether buying your first home, upgrading to a larger space, or downsizing for retirement, District Credit Union supports your homeownership journey with personalized service and a family-friendly approach. Visit us at our Aurora branch or online to explore your options and get started on securing your ideal home loan today.

Choosing a credit union home loan from District Credit Union brings numerous benefits that make your home-buying journey smooth and rewarding. As a not-for-profit financial institution, we prioritize our members’ needs over profits, allowing us to offer competitive interest rates and lower fees compared to traditional banks.

 

Our personalized service ensures you receive the attention and guidance you deserve. Our mortgage specialists take the time to understand your unique situation and tailor loan solutions that fit your budget and goals, subject to credit approval. We offer various home loan options, including fixed-rate and adjustable-rate mortgages, FHA loans, and first-time homebuyer programs, each designed to meet different needs.

 

Being part of our local Aurora community means we understand the area’s real estate market, providing valuable insights and helping you make informed decisions. Additionally, as a member of District Credit Union, you’ll enjoy the benefits of our full range of financial services, from savings accounts to auto loans, all under one roof.

We’re committed to making your homeownership dream a reality with a friendly, family-oriented approach. 

 

Visit our branch at 751 Chambers Rd., Aurora, CO, or explore our website to learn how we can assist you with your home loan needs. Welcome to the District Credit Union family!

Qualifying for a home loan at District Credit Union is a straightforward process designed to help you achieve your dream of homeownership. Here’s what you need to know:

  • Credit Score and History: A good credit score is essential, as it demonstrates your ability to manage debt responsibly. While we consider various credit scores, higher scores can improve your chances of securing better rates.
  • Income and Employment: Stable and sufficient income is crucial. We’ll review your employment history and current earnings to ensure you can make your mortgage payments comfortably. You will need to provide recent pay stubs, W-2 forms, and tax returns.
  • Debt-to-Income Ratio: This ratio compares monthly debt payments to gross monthly income. A lower ratio indicates a healthier financial standing, making you a more attractive borrower. Generally, a ratio below 43% is preferred.
  • Down Payment: A substantial down payment can improve your loan eligibility and terms. While we offer programs with lower down payment requirements, saving more can be beneficial, especially for conventional loans that may require mortgage insurance.
  • Documentation: Be prepared to provide various documents, including identification, proof of income, and asset statements. Our mortgage specialists will guide you through this process and ensure you have everything needed.

For personalized assistance, visit our Aurora branch or explore our website to start your application. We’re here to support you every step of the way!

The interest rate on your home loan at District Credit Union plays a significant role in determining your monthly payment and the overall cost of the loan. The interest rate is the percentage charged on the total loan amount, which can be fixed or adjustable.


A fixed-rate mortgage offers a consistent interest rate throughout the loan’s life, so your monthly principal and interest payments will remain stable. This predictability can make budgeting easier.


An adjustable-rate mortgage (ARM) starts with a lower initial interest rate that adjusts periodically based on market conditions. While ARMs may offer lower starting payments, they carry the risk of future rate increases, which could lead to higher costs.


Mortgage rates affect your monthly mortgage payment by determining how much interest you pay each month and your principal repayment. A lower interest rate results in lower monthly payments and less interest paid over the life of the loan. Conversely, a higher rate increases both the monthly payment and the total interest paid.


At District Credit Union, we aim to offer competitive rates tailored to your financial situation. To learn more about current rates and how they affect your loan payment, visit our Aurora branch or explore our website. Our friendly mortgage specialists are here to help you understand your options and find the best fit for your needs.

Yes, District Credit Union offers special programs specifically for first-time homebuyers! We understand that purchasing your first home can be exciting and challenging, and we’re here to make the process as smooth as possible.


In partnership with Pivot Lending Group, we provide a variety of programs tailored to assist first-time buyers. These include down payment and closing cost assistance, which can significantly ease the financial burden of buying your first home. Additionally, other support options are designed to meet the unique needs of first-time homeowners.


Our team of friendly mortgage specialists is dedicated to helping you navigate these programs and ensure you understand all the benefits and requirements. We’ll work closely with you to find the best solutions for your budget and homeownership goals.


To learn more about our first-time homebuyer programs, visit our Aurora branch or explore our website. Feel free to reach out and ask us about the various ways we can help you take the first step toward owning your dream home. At District Credit Union, we’re here to support you every step of the way.

At District Credit Union, we’re committed to providing comprehensive support throughout your home-buying journey. From the moment you start exploring your options until you close on your new home, our team guides you every step of the way.


Our mortgage specialists offer personalized consultations to understand your financial situation and homeownership goals, whether you’re considering a conventional loan, VA loan, or refinance. Whether you’re a first-time homebuyer or looking to upgrade, we help you navigate the various loan options, including fixed-rate and adjustable rate mortgages, FHA loans, and more.

We simplify the application process by helping you gather and complete all necessary documentation, ensuring nothing is overlooked. Our team is always available to answer your questions and provide updates so you feel safe and confident about the next steps.


Benefit from our local expertise in the Aurora real estate market, where we offer insights and advice tailored to your needs. We also provide tools and resources like online mortgage calculators to help you make informed decisions.


Visit our branch at 751 Chambers Rd., Aurora, CO, or explore our website to learn more about how we can assist you. At District Credit Union, we treat you like family and strive to make your home-buying experience as smooth and enjoyable as possible.