Denver Home Loans and Mortgages
The right home loan should put a big grin on your face. Low rates and low payments are just a piece of the puzzle.
It’s so satisfying to see our members achieve their dreams of homeownership!
Buying a home can be scary! It doesn’t have to be with Zing Credit Union. Our experienced Mortgage Lending Officers have years of experience helping members achieve homeownership. We’ll guide you through one step at a time. You’ve got this!
Current Rates
| Account | Term | Interest Rate | APR | Principal and Interest
Payment for $250,000 Loan |
|---|---|---|---|---|
| Conventional Fixed Rate | 15 yrs. | 5.375% | 5.619% | $2,026.16 |
| Conventional Fixed Rate | 20 yrs. | 5.625% | 5.820% | $1,737.42 |
| Conventional Fixed Rate | 30 yrs. | 6.000% | 6.149% | $1,498.88 |
| 3% Down Payment Mortgage* | 30 yrs. | 6.000 | 6.149% | $1,498.88 |
| Fast Track Mortgage* | 10 yrs. | 5.875% | 6.224% | $2,759.85 |
|
Fixed Rate Second
Mortgage |
15 yrs. | 8.000% – 9.375% | 8.132% – 9.452% | $1,433.48 – $1,555.04 |
Rates effective as of: December 5, 2025
All loans are subject to credit and collateral approval, as well as income verification and employment verification. Home loan rates are subject to change at anytime, without notice. Payment examples above are base on a $250,000 loan. Payment examples are principal and interest only. Credit, taxes, insurance, other costs, may increase the payment amount. Properties must be in Colorado. Down payment example: 20% down of $250,000 is $50,000. All mortgages are subject to a 1% origination fee.
Please consult a Mortgage Loan Officer for complete details.
*Rates are subject to credit and loan to value. All mortgages are subject to a 1% origination fee. 3% down on a $250,000 mortgage is equal to $7,500. For complete mortgage rate details, please contact our Mortgage Lending Department by calling 303-573-1170, or contacting us.
Mortgage Payment Calculator
Homeowners Insurance: 100
Mortgage Insurance: 167
Mortgage Loan Solutions
Resources
The Zing mortgage team was with us each step of the way as we embarked on our journey of buying our first home. They were incredibly responsive, which I think really helped us in Denver's hot housing market.
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Here for you!
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Our mortgage lending team has a combined 32 years of experience!
Our team is right here in the Denver metro area.
Our team is ready to help you achieve homeownership!
Secure Your Dream Home with a Zing Mortgage Loan Disclosures
*Rates are subject to credit and loan to value.
3% down on a $150,000 mortgage is equal to . For complete mortgage rate details, please contact our Mortgage Lending Department by calling 303-573-1170, or use our contact form.
**All loans are subject to credit qualification.
The Homeownership Set-aside Program is available to those earning at or below 80% of the Area Median Income (AMI) purchasing a home in Colorado.
The program is provided as a forgivable grant with a five-year retention period. This program is available through the Federal Home Loan Bank (FHLB) while funding lasts. For more information regarding qualification, please contact a mortgage lending representative at 303-573-1170 or by using our contact form.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
Rates
| Account | Term | Interest Rate | APR | Principal and Interest
Payment for $250,000 Loan |
|---|---|---|---|---|
| Conventional Fixed Rate | 15 yrs. | 5.375% | 5.619% | $2,026.16 |
| Conventional Fixed Rate | 20 yrs. | 5.625% | 5.820% | $1,737.42 |
| Conventional Fixed Rate | 30 yrs. | 6.000% | 6.149% | $1,498.88 |
| 3% Down Payment Mortgage* | 30 yrs. | 6.000 | 6.149% | $1,498.88 |
| Fast Track Mortgage* | 10 yrs. | 5.875% | 6.224% | $2,759.85 |
|
Fixed Rate Second
Mortgage |
15 yrs. | 8.000% – 9.375% | 8.132% – 9.452% | $1,433.48 – $1,555.04 |
Rates effective as of: December 5, 2025
All loans are subject to credit and collateral approval, as well as income verification and employment verification. Home loan rates are subject to change at anytime, without notice. Payment examples above are base on a $250,000 loan. Payment examples are principal and interest only. Credit, taxes, insurance, other costs, may increase the payment amount. Properties must be in Colorado. Down payment example: 20% down of $250,000 is $50,000. All mortgages are subject to a 1% origination fee.
Please consult a Mortgage Loan Officer for complete details.
*Rates are subject to credit and loan to value. All mortgages are subject to a 1% origination fee. 3% down on a $250,000 mortgage is equal to $7,500. For complete mortgage rate details, please contact our Mortgage Lending Department by calling 303-573-1170, or contacting us.
Frequently Asked Questions
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Yes, you can apply for a loan online from the comfort of your home.
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Zing offers free online e-courses that provides information about mortgages and home ownership.  Visit our e-course page today.Â
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Yes. Our expert mortgage loan officers are always ready to assist you. In the case someone is not available at one of our branches please reach out to them at [email protected].
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You will need to know your Social Security Number, and provide a valid ID. The loan application will require information about your employment and income. Depending on the loan, you may be required to provide additional information.
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Please click here to access our borrower checklist.
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Closing costs are usually between 1.50% to 2.00% of the loan amount.
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Approximately 30-45 days.
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We offer many mortgages. Some mortgages may require less of a down payment than others. We offer mortgages with down payment requirements as low as 3%. Please contact a mortgage loan officer for more details.
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620 is the minimum credit score to qualify for a home loan. Please note that other factors like income, debt-to-income, loan to value, among others can impact your ability to qualify.
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While we’re processing your application, please be careful to avoid these common actions that could impact a successful closing:
- Large purchases. Please wait until after your closing to purchase furniture or a new car.
- Major life changes. If you’re considering a new job, a change in marital status or even a long vacation, please talk to us first so we can discuss how it may affect your loan.
- New credit of any sort. A new card may be a great way to save 10% at purchase, but it could also lower your credit score and delay your closing.
- Random deposits into your bank accounts, especially those made in cash. Deposits must be documented properly to prove they are not borrowed funds.
- Late payments. Even after your credit is pulled, continue making all your payments on time. Your credit will be monitored during the process of your loan.
Most importantly, come to us with your questions. We’re here to help and are happy to do so.
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TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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Delayed Opening
All branches and drive-thrus will open at 10:30am on Wednesday, December 10th. View Holiday Hours