Home Loans

Do you need money for home improvements or debt consolidation? Maybe you need cash to buy that new sofa you've had your eye on for a while. You might even want money to take that dream vacation to Cancun. If this describes you, consider applying for a home equity loan with our company. You can even apply for home equity lines of credit.

When you receive home equity credit financing, you use your home's equity as collateral for a loan. No matter what type of home equity loan or home equity credit lines you're looking for, we can take care of you. Apply today and you can get cash from your home's equity for any type of financial need. Just look at what you can do with a home equity loan.

  • Consolidate your debt
  • Make improvements and repairs to your home
  • Buy another car so you can get rid of your old clunker
  • Pay for education expenses
  • Pay unexpected bills - the ones that creep up on you while you're not looking
  • Pay medical bills
  • Purchase new furniture

Home Loans

Refinance Options/Fixed-Rate Mortgage

A fixed-rate mortgage ensures that your monthly payment remains the same throughout your loan term. This is a great option for a quick close on a property. The following terms can be used to refinance your existing mortgage:

We offer fixed-rate mortgages with the following terms:

  • 10 year term
  • 15 year term


Other Fixed Rate Home Equity Loans


This product provides a lower payment option, while maintaining the benefits of a fixed rate. Payments are fully amortized over 30 years, with a balloon payment due after 7 years that can be paid in full or refinanced subject to credit approval. Minimum down payment of 10% depending on loan amount




Home Equity Lines of Credit

Great product for remodeling, travel, wedding expenses, etc. The HELOC works like a credit card and can be used as expenses arise.

  • Variable option
  • Fixed rate option



View disclosures


Home Equity Loan Product Rates

Red Rocks Institution ID-412773

Home Equity Option

Up to 89.9% LTV 4.50%

Home Equity Loans

Up to 89.9% LTV 4.99%

Home Equity Line of Credit (HELOC)

Up to 89.9% LTV 4.50%



*Annual Percentage Rate (APR) for the HELOC product is accurate as of publication date and is subject to change. Published rates are based on approved credit and combined loan-to-value and adjust monthly based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the 25th of each month of each year. To determine the APR that will apply to your line of credit, we add a margin to the value of the index.

** Annual Percentage Rate (APR) for Fixed-Rate products are accurate as of publication date and are subject to change. Published rates are based on approved credit and combined loan-to-value of your home. A combined loan-to-value below 75% is eligible to receive the 4.99% rate.

What You Should Know About Home Equity Loans

View full disclosures.

Red Rocks Instituion ID- 412773