REAL ESTATE LOANS

Customized to Fit You

 

We take pride in our deep roots within the communities we serve. We believe in keeping the process local, which allows us to understand and respond to the specific needs of our clients more efficiently. Additionally, our commitment to keeping money local means that the funds you invest in your home help support and strengthen our local economy.

High Country Bank offers competitive rates and is committed to a seamless lending experience tailored to our community’s unique needs. Our local team is here to ensure you receive the best possible service and support throughout your mortgage journey.

Happy couple holding key to new home

Purchase a Home

There are a lot of options to consider when purchasing a new home. We offer conventional/fixed rate loans, Adjustable Rate Mortgages (ARM,) First-time Homebuyer programs and USDA loans. Contact us to determine the best option for your unique situation.

Refinance Your Home

Refinancing can be a strategic move to better manage your finances and achieve your long-term financial objectives.  We offer competitive refinancing options that are specifically tailored to meet your unique needs. Our experienced lending team is committed to providing you with personalized service to help you navigate the refinancing process with ease. Whether you’re looking to lower your monthly payments, consolidate debt, or adjust your loan terms, we’re here to support you every step of the way.

Construction Loans

Our expertise in construction lending sets us apart from the competition. With a deep understanding of the complexities involved in building projects, we offer tailored financial solutions that streamline the process, minimize risks, and maximize success. Our dedicated lending team, combined with our innovative loan structures and responsive service, ensures that your construction goals are not just met but exceeded. Choose High Country Bank for a partner who is committed to turning your vision into reality with unmatched precision and support.

Land Loans

High Country Bank offers vacant land loans designed to help you realize your dreams of Colorado living. Whether you’re planning a mountain retreat, a serene getaway, or simply investing in a beautiful piece of Colorado, our local lending team is here to support you every step of the way.

No matter what you plan to do with your property, we offer lending solutions, including purchase or refinancing for vacant land, as well as construction and permanent financing.

Home Equity Loans

We offer home equity products designed to help you unlock the value of your home. Whether you’re looking to fund home improvements, consolidate debt, or achieve other financial goals, we have solutions that offer competitive rates and flexible terms. Our local loan team is here to guide you through every step, ensuring you get the most out of your home’s equity with the support of a trusted local partner.
 

Home Equity Line of Credit (HELOC)

Home Equity Lines of Credit is a type of revolving credit that allows homeowners to borrow against the equity they’ve built up in their property.

What to consider: Choose a HELOC if you need flexibility and access to funds on an as-needed basis and are comfortable with variable interest rates and terms.

Second Mortgage

A second mortgage can be a strategic financial tool to leverage your homes equity for needs such as home renovations, education costs, or significant purchases.  

What to consider: Choose a Second Mortgage if you need a specific amount of funds with predictable payments and prefer the stability of a fixed interest rate over a longer term.

 

To learn more about our loan products, contact our lending team or stop in at one of our branches.

Home Financing

Select your financial calculator below to begin.

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How long you plan to keep the property must be less than or equal to the new loan term

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Refinancing Calculator

Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.

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Existing Loan

Existing Loan Original Loan Amount
Existing Loan Original Mortgage Length
Existing Loan Date of Loan
Existing Loan Current Interest Rate

New Loan

Existing Loan Amount you wish to cash out upon refinance
Existing Loan New Interest Rate
Existing Loan Points
Existing Loan Fees and Closing Costs
Existing Loan New loan term

Other Information

Existing Loan How long will you keep this property

Fixed Rate Mortgage Calculator

Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.

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Loan Information

Fixed Rate Mortgage Home Price
Fixed Rate Mortgage Down Payment
Fixed Rate Mortgage Loan Term
Fixed Rate Mortgage Interest Rate
Fixed Rate Mortgage Payment Frequency

Adjustable Rate Mortgage Payments Calculator

Calculates the payments and interest on your adjustable rate mortgage.

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Loan Information

Adjustable Rate Mortgage Home Price
Adjustable Rate Mortgage Loan Down Payment
Adjustable Rate Mortgage Loan Term
Adjustable Rate Mortgage Beginning Interest Rate
Adjustable Rate Mortgage Rate Cap (Life Rate Cap)
Adjustable Rate Mortgage Maximum First Interval Rate Increase
Adjustable Rate Mortgage Maximum Subsequent Interval Rate Increase
Adjustable Rate Mortgage Months Before First Rate Increase
Adjustable Rate Mortgage Months Between Subsequent Rate Increases

Balloon Mortgage Payment Calculator

A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.

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Balloon Mortgage Home Price
Balloon Mortgage Down Payment Amount
Balloon Mortgage Amortized Over
Balloon Mortgage Current Interest Rate
Balloon Mortgage Balloon Payment After

Rent or Buy Decision Calculator

Buying a home is a huge life decision. The rent or buy calculator compares the cost of renting or buying given a certain time period

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Rent Information


Rent Information Monthly Rent
Rent Information Monthly Renter's Insurance
Rent Information How Much Will Rent Increase Each Year?

Purchase Information


Purchase Information Home Price
Purchase Information Down Payment
Purchase Information Interest Rate
Purchase Information Loan Term
Purchase Information Points (%)
Purchase Information Closing Cost for Buying ($)

Home Information


Purchase Information Annual Property Taxes
Purchase Information Average Monthly Maintenance ($)
Purchase Information Monthly Homeowner's Insurance ($)
Purchase Information How Much Will Your Home Appreciate each Year?
Purchase Information Other Monthly Costs (Association dues, etc...)

Personal Information


Purchase Information State and Federal Tax Rate (%)
Purchase Information Investment Rate of Return (or Bank Account Savings Rate %)
Purchase Information How Long Will You Stay at this Property?

Sale Information


Purchase Information Real Esatate Agent Commission
Purchase Information Closing Cost for Selling ($)

Home Affordability

Computes the most expensive house you can buy.

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Monthly Payment Information

Home Affordability Highest Payment You can Afford (Include all Taxes, Fees, Dues, Insurance, etc...)

Payment Breakdown


Home Affordability Monthly Insurance and Other Costs
Home Affordability Annual Property Tax
Home Affordability Monthly Associations Dues (If Any)

Loan Information


Home Affordability Down Payment
Home Affordability Loan Term
Home Affordability Interest Rate

Personal Information


Home Affordability Combined State and Federal Tax Rate
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

 

Meet the Team

Amy headshot
Amy Fell
VP, Mortgage Loans

NMLS #2271341

719-530-8802

Cheyenne headshot
Cheyenne Shake
AVP, Mortgage Loans

NMLS #2401806

719-530-8855

Gina headshot
Gina Gall
Mortgage Loan Officer, Cañon City

NMLS #1212756

719-467-6061

Apply Here
Ashley Kolberg
Ashley Kolberg
Mortgage Loan Officer, Longmont

NMLS #2517781

970-703-6942

Apply Here
Jeannette headshot
Jeanette Shoufler
Mortgage Loan Officer, Salida

NMLS #2537286

719-530-8817

Apply Here