Apply for a home loan through Bellco Home Loans, our affiliated mortgage company.
Customized Colorado home loans to fit your needs
As your trusted financial partner, Bellco is committed to delivering you a first-rate experience through our affiliated mortgage company, Bellco Home Loans—a collaboration between Bellco Credit Union and Guild Mortgage Company, LLC, an independent mortgage lender that has helped families attain home ownership since 1960. Bellco Home Loans was born from a desire to provide a premier mortgage experience for Bellco’s members by partnering with a leading mortgage company with an established reputation in the industry.
Are you considering a home loan but aren’t sure what you can afford or how it will affect your budget? Run some numbers with our home loan calculators. These will help you plan your budget before meeting with a loan officer.
Find Your Perfect Home Loan
Bellco Home Loans offers a variety of loan programs to suit every buyer: low-down payment options, jumbo loans, conventional loans, renovations loans, and many more — including their TRU Cash Buyer program that can help you submit a competitive cash offer on a home. Their loan experts will work with you to determine the option that best suits your goals and financial plans.
Mortgage Calculators
Depending on your financial health, there are many different options including mortgages with a 3%, 5%, 10%, or 20% downpayment. There are even programs where you could put down as little as $1000.
The key factors that affect mortgage approval include:
- Employment Status and Income Stability
- Credit Score and History
- Debt to Income Ratio
- Property Disposition: Is the home your first, second, or a rental home?
- Property Type: Is it a single-family home, condo, or townhome? What about a manufactured home?
Bellco Home Loans can lock a loan at any point once you are under contract or proceeding with a refinance and have a completed application. Bellco Home Loans can lock for up to 60 days but shorter lock periods have better pricing due to less market volatility risk.
Bellco Home Loans typically looks at this in terms of “the law of 2s”:
- 2 years W2 forms or tax returns for the self employed
- 2 most recent paystubs
- 2 most recent bank statements or asset account statements
These are the baseline items that are required. More documents may be required depending on individual scenarios.
The calculators provided on this page are provided for general and educational purposes only. They are not intended to provide legal, tax, or investment advice. The accuracy of these online tools and their applicability to the information provided is an estimate and is not guaranteed. Your actual figures (i.e., monthly payments, total payments, home value, etc.) could vary based on many factors.
Learn More About Bellco Home Loans
Bellco Home Loans is dedicated to providing the expertise you need to plan your home purchase, establish a realistic budget, easily apply for a home loan, and plan future prosperity. It’s also why Bellco Home Loans continues to build their home loan product options, retain some of the lowest Denver home loan rates, and continuously strengthen their commitment to exceptional customer service.
If you’re interested in applying for a home loan or learning more about the mortgage application process, reach out to a Bellco Home Loans officer today.
