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 is a public enterprise that works to provide affordable home financing (and other needs) for qualifying low- to moderate-income residents of Colorado. Ent is a participating CHFA lender.
To find out 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 five-hour workshops are taught by real estate and mortgage lending professionals who are certified volunteer instructors. Colorado Springs workshops are held in the Ent Galley Seminar Room, 4545 Galley Road.
Get details on CHFA workshops in Colorado Springs (44 Kb PDF file).
Or, visit the CHFA website  .
Specialty Loans
- Reverse Mortgages
A reverse mortgage can provide you with an additional source of income. Let your home make payments back to you!
If you're a homeowner, at least 62 years of age, have adequate equity, and you occupy your own home, a reverse mortgage can give you flexible access to the equity you have built up in your home.
- You retain ownership of your home as long as you live in it.
- You can tailor the way you want to receive funds to fit your needs - lump sum, monthly check, line of credit, or any combination of these options.
- You can use the money however you wish.
- Plus...there are no restrictive income qualifications.
The loan comes due only when your home is no longer your primary residence or upon transfer of the title.
Reward yourself for paying off your home! Let a Reverse Mortgage make payments back to you! Call an Ent mortgage loan officer at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 5602 for more information.
Please note, we do not currently process Reverse Mortgages online.
- Investment Property Mortgages
Are you looking for financing on your rental properties? Ent can help you with that too. Apply online or call an Ent Mortgage Loan Officer at (719) 574-1100 ext. 5602 or 800-525-9623 ext. 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.
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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