Your Stress Less Home Loan

With Colorado's mortgage experts


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Today's Home Loan Rates
All rates shown are Annual Percentage Rate (APR).*

Competitive offers start with a home loan from Ent

Whether you're shopping for your starter house or your forever home, the house hunting experience here in Colorado can feel daunting. At Ent Credit Union, our suite of home loan advantages, like our Lock & Shop rate protection, on-time, guaranteed closing and local expertise, give you the competitive edge you need to land a house that you can call home.

Ent's Stress Less Advantages

Lock. Shop. Relax.

That's how our Lock & Shop2 rate protection works.

Lock in a great rate for 60 days, shop for your next home and then relax because we’ve got your back. Your rate won’t increase during those 60 days, and if rates go down, yours can too.


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Experts you can trust.

With you from application to close and throughout the life of your loan.

Ent members benefit from the support of a dedicated Mortgage Loan Officer to turn to with questions from application to closing. For the life of your loan, you will always pay your mortgage at Ent.


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Dream. Search. Save.

Pre-approval gives you the edge over buyers who are just prequalified.

Finding the perfect home takes time, so it's important to make sure you're ready to buy when the time comes to make an offer. We provide free pre-approvals so you know exactly where you stand — and what you can afford — when it comes time to make your decision.

Simply click 'Apply Now', fill out the application and we'll review it and get you pre-approved.


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On-time closing, guaranteed.

We know you're ready to seal the deal on your new home.

We know you want this process to wrap up as planned and without any surprises. That's why we're offering you a $500 Closing Guarantee3 so you can feel confident that your closing will be signed on time.


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Shop for your next home with confidence.

Apply online today or call and speak to a Mortgage Loan Officer about building your competitive advantage with a stress less home loan from Ent.



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Stress less with $500 off closing costs

We’re taking $5004 off your closing costs. That’s cash you can use elsewhere!

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Estimate My Payment:

Whether you're ready to house hunt or have already started shopping you may be wondering, "How much house can I afford?" Getting pre-approved for a mortgage can give you a competitive advantage and a leg up on other buyers who may be visiting open houses without a clear budget in mind. With many sellers receiving cash offers, a pre-approval can help you stand out as a buyer and close on your home quickly and reliably. Use our calculator to determine you budget and estimate your monthly payment.

Mortgage Application Process:


  1. Get pre-approved
  2. Hire a buyer's agent
  3. View homes
  4. Make an offer
  5. Get an appraisal
  6. Get final approval
  7. Close on your new home


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Mortgage Loan FAQs:

Ent offers mortgage loans with a variety of financing options. Buying a home is a big deal, and we are here for you, every step of the way.  

The Ent Difference:

  • Lock and Shop Rate Protection 
    With mortgage rates on the rise, lock in a competitive rate for 60 days while you shop.  
  • On-Time Closings 
    Gain a competitive edge for your offers with our quick and on-time closings. We even have a $500 closing guarantee. 
  • Dedicated Mortgage Loan Officers 
    Enjoy a dedicated Mortgage Loan Officer they can turn to with questions from application to close.
  • In-House Servicing 
    You will always pay your mortgage at Ent for the life of your loan.

You can apply for a home loan at Ent Credit Union. Ent will need to run a credit check when reviewing your application. They will ask to see a copy of your tax returns, pay stubs, and existing debts to make sure you can afford your monthly payments until the loan is paid off completely. The application process usually takes about 30 days. It may take longer if you have a lot of accounts, assets, or debts that need to be analyzed and verified.  

It's recommended to get pre-approved for a home loan before applying on the property of their choice. To get pre-approved for a home loan, you will need to apply for a mortgage up to a certain amount. The lender will then run a credit check to ensure that you can afford the loan. Once you have been pre-approved, you can use this letter to make an offer on the house of your choice. During the closing, the lender will pay the seller for the house minus your initial down payment. You can then move in right away and begin making monthly payments on your mortgage.  

You may need to act fast when shopping for a home. Pre-approval can give you the edge in a tight housing market.  

A mortgage works just like other types of loans. The lender issues a lump sum, and the borrower agrees to pay back the principal amount plus interest over the life of the loan. However, mortgages tend to last longer than other types of loans. Most home loans last up to 30 years.  

Like other types of loans, you will face a penalty if you fall behind on your monthly payments. The home loan acts as a lien or claim on your property, which means that you won’t own your home outright until you have paid off the loan entirely. The lender reserves the right to repossess your home if you default on your loan. That’s why it’s so important to keep up with your regular monthly payments. If you can’t afford to make your monthly mortgage payment, you may need to extend the duration of your loan agreement, but this means you will have to pay more in interest over time. Like all loans, the sooner you pay off your mortgage, the more you will save in interest.  

You will also need to pay for closing costs when you close on the home loan. The lender may also charge mortgage insurance premiums on top of the monthly payment. Read through the full terms and conditions of the agreement to make sure you understand the full cost of the loan. 

All mortgage loans come with interest. The interest rate is expressed as a percentage, or what’s commonly referred to as the APR, annual percentage rate.  

Mortgage loans can be fixed-rate or adjustable-rate. Fixed-rate mortgages tend to be the most common, especially among first-time home buyers. This means the interest rate will not change over time. Your monthly statement should stay the same, so you can budget your expenses accordingly.  

Adjustable-rate mortgages (ARMs) come with adjustable interest rates. The loan will typically start off with a low interest rate. This is what’s known as the introductory period.   

The interest rate will then go up after the introductory rate expires. The rate will change every month, quarter, year or more depending on the terms of the contract. ARMs typically cap the interest rate so that it can’t exceed a certain rate.  

If you go with an adjustable-rate mortgage, try to pay off as much of the loan as possible during the introductory period. Most people choose fixed-rate mortgages, so they don’t have to worry about paying more interest down the line. 

* APR - Annual Percentage Rate
2 Lock & Shop is available on fixed-rate mortgage loans, excluding all refinance types and CHFA loans. Additional conditions or exclusions may apply. Please refer to Ent's Important Loan Information and Mortgage Rate Lock Information for more information.
3 $500 Mortgage Closing Guarantee is based on the mortgage loan closing date provided in the original sales contract. This guarantee is only available on purchase mortgage loans with closing dates set for a minimum of 30 days after the original purchase contract is signed. Loan closing date is subject to receipt of completed application and required supporting documentation. Required supporting documentation must be provided no less than two (2) business days after application receipt. Loan closing is subject to underwriting approval. Closing guarantee is not applicable if: a) borrower changes loan products or terms, b) closing is delayed due to seller’s failure to close on time, c) borrower fails to meet contract requirements, d) closing is delayed due to a third party requirement, including appraisal and inspection, e) closing date is not included in the contract, f) closing is delayed due to inclement weather or natural disaster, or g) loan documentation or application contains fraudulent information. Ent reserves the right to amend, terminate or withdraw this offer at any time without prior notice. Guarantee paid in the form of a $500 credit on the settlement form at closing.
Standard account and credit qualifications apply. All loans subject to final credit approval. Rates and terms are subject to change without notice and are dependent upon credit performance. Visit to review Ent's Important Loan Information and Disclosures.
Financing available on homes in Colorado. Property insurance is required. Consult a tax advisor for further information regarding deductibility of interest and charges.
4The $500 lender credit will be applied to closing costs for new purchases and refinances. Applications must be received between May 1, 2022, and December 31, 2022. Loan must close within one (1) year of the application date. Ent employees are excluded from this offer. One offer per loan. Offer may be withdrawn at any time and is subject to change at Ent’s sole discretion.