Mortgage Loan Options
Our wide variety of mortgage programs means we've got a loan to fit your needs. Whichever option you choose, you can count on fast loan approval, flexible terms, and experience you can trust.
Purchase or Refinance...anywhere in Colorado!
Build a New Home…in Colorado.
Use the Ent Mortgage Resource Center
for detailed loan information, to check rates, or apply online!
Or, if you prefer, call one of our experienced loan officers at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602.
We offer online application for most loan products. If you have questions or would like to apply for our First-Time Home Buyers loan, an FHA loan, or specialty loan, please call us at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602.
Ent offers FREE Pre-Qualification!
Fixed Rate Mortgages
If you are simply looking for a great interest rate with excellent advice and service, a fixed rate loan from Ent may be a good option. We offer a variety of terms to fit your purchase or
refinance needs - including Flexible and InterestFirst TM loans. Find out more.
Adjustable Rate Mortgage (ARM) Loans
ARMs feature an interest rate that is fixed for a period of time (typically 1-7 years) and then adjusts annually. An ARM can offer
advantages such as low initial payments providing considerable interest savings. To learn more about ARMs, and if it is the right loan for you, visit our Mortgage Resource Center.
VA & FHA Mortgages
Veteran's Administration (VA) and Federal Housing Authority (FHA) Loans feature more relaxed credit guidelines, little or no down payment, low origination fees, low interest rates, and government backing.
Find out more about VA loans. Or, call us at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602. For more information or to apply for an FHA loan, please call us.
Jumbo Mortgages
Planning to purchase your dream home? Don't cash in valuable investments to do it! A Jumbo Mortgage from Ent can give you an attractive rate with convenient term options. Find out more.
First-Time Home Buyers
Ent makes your first home easier to buy with a low down payment, low origination fee, great interest rate, and choice of loan terms.
You can also use this program if you haven't owned a home in at least three years. Some restrictions apply, and we’d be happy to explain them to you.
To learn more click here, call us at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602.
Or, attend our First-Time Home Buyers workshop.
Colorado Housing and Finance Authority (CHFA) Loans
CHFA's mission is to finance the places where people live and work throughout Colorado. They provide fixed rate financing to homebuyers. They also provide education and technical assistance about affordable housing and economic development.
Ent is a participating CHFA lender. To find out more about CHFA financing through Ent, call us at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602. We do not currently process applications for this loan online.
First-time homebuyers who qualify for a CHFA loan must complete an approved Home Buyers Workshop prior to closing the loan. The free six-hour workshops are taught by real estate and mortgage lending professionals who are certified volunteer instructors. Get details on the CHFA Workshops in Colorado Springs by visiting the
CHFA website  .
Reverse Mortgages
A Reverse Mortgage is a special loan that enables you to convert the equity in your home into cash – without a monthly payment obligation. And, the ownership of your home always remains in your name. No repayment is required until the surviving borrower no longer occupies the home.
There are plenty of advantages of a Reverse Mortgage:
- You get to choose how you receive your funds. Choose to receive monthly payments, a line of credit, a lump sum, or a combination of the three.
- There are no limits on how you use the cash. It's yours to use as you see fit – groceries, bills, retirement expenses, it's your choice.
- And, there are no restrictive income qualifications.
For more information on Reverse Mortgages, contact us at (719) 574-1100 x 5602 or toll-free at 800-525-9623 x 5602.
Lot and Land Loans
Ent is proud to offer lot and land loans throughout Colorado.
Our Lot and Land Loans feature:
- A low 20% down payment.
- Competitive Rates.
- Generous loan maximums of $250,000 and flexible terms.
Call an Ent Mortgage Loan Officer at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602, for more information or to apply today!
Construction Loans
Need a loan that will help frame your vision of a brand-new home? Ent can help.
- Traditional Construction Loans
- Construction-to-Permanent Loans
- Single-Close Construction Loans
We offer financing on homes built in Colorado. You get generous loan maximums, various terms (payment periods) to fit your construction and move-in timelines, interest rates as low as
prime on some loans, and an easy pre-qualification process. Equally important, you get expert advice on loan options from your credit union's mortgage loan officers.
Be sure to ask about our single-close loan. It can save you time and money! You apply for financing once, secure your construction and permanent financing in just one closing, pay one closing fee, and lock in your interest rate to avoid future economic fluctuations.
Call (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602 to explore your Lot/Construction Mortgage options with an Ent mortgage loan officer.
Credit Union and Government Mortgage Assistance Programs
- Mortgage Loan Modifications
Credit Unions have joined together to offer members a Homeowners Affordability Relief Program (HARP). This program is intended to help homeowners who face delinquency, default, or foreclosure on their mortgages, especially in a time of
diminished home prices.
You may also be aware of the government’s Making Home Affordable Program, also referred to as HASP. For more information on this program and to determine if you may be eligible to modify your loan due to a financial hardship,
please visit makinghomeaffordable.gov .
If you need this type of assistance through HASP or the credit union HARP initiative, because of a financial hardship, please contact Ent's Member Solutions Department at (719) 574-1100 ext. 5612 or 800-525-9623 ext. 5612.
- Mortgage Loan Refinancing
Under HASP, you may be able to refinance your mortgage if you would otherwise be ineligible because of declining home values. You should know that most of the mortgage loans Ent makes are held by Ent and are not eligible
for the refinance portion of HASP; only loans currently owned or guaranteed by Fannie Mae or Freddie Mac are eligible.
However, if your loan is owned or guaranteed by Fannie Mae through another lender, you may be able to refinance through Ent. To determine if you are eligible to refinance your loan through Ent, you can visit
loanlookup.fanniemae.com . Please contact a Mortgage Loan Officer at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602. for further assistance.
Please Note: Loans owned or guaranteed by Freddie Mac are not eligible for the refinance relief through Ent.
Standard credit qualifications apply. All loans are subject to final credit approval. Please consult your tax advisor, as interest paid on these loans usually is tax-deductible.
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