Emery Federal Advantage

When you’re looking for a mortgage to buy a new property or refinance an existing property, the right mortgage banker can make all the difference in getting the best loan for your needs, or settling for whatever loan you’re offered—which is almost never “the best.”

What's new?

10% Down Jumbo to 1.2 Million for purchase or Refinance loans

FHA or VA refinance loans with no appraisal required

Emery Federal Mortgage spends an extraordinary amount of time learning about its customers' lives and needs. After all, this is probably the biggest investment of your life; therefore, it is imperative that you feel confident about your decision.

Emery Federal Mortgage understands that borrowers are as unique as their properties. We also know that with all of the options and responsibilities that you are presented with, this process may be a bit daunting. Therefore, we strive to provide you with customized service to answer your needs. We'll tailor your financing to your personal profile while including factors such as your current income, expectation of future earnings, assets, credit history, and duration of property ownership. With this information, we work with many different lenders and programs, because choices are what this whole process is all about.

When you work with a good mortgage banker, like Emery Federal Credit Union, you benefit from the flexibility and expertise of a full-service mortgage banker who will match your needs to the right lender and loan program to give you exactly what you need.

We offer a variety of loan programs available with both fixed and adjustable rates. Whether you’re looking for a conventional, non-conforming, 100% financing, or commercial loan, we will match your needs with the lenders we work with to find you the best loan.

Whatever your credit situation, whether your credit is perfect or not so perfect, we will find the right lender, and the right loan, for your needs, and match you with a lender who meets your requirements.

Emery Federal Mortgage provides brokerage and banking services for residential and commercial properties, vacation homes, investment properties, purchases, refinances, home equity loans and lines of credit. Emery Federal Mortgage has been built one customer at a time, by maintaining superior and professional service.

We're here to help! Each of our staff has years of experience in the mortgage lending industry. Each one of our loan officers is licensed in the State of Colorado to originate mortgage loans. This licensing procedure insures not only the loan officer's individual knowledge and capabilities, but also their character. It warrants that they operate in an honest and fair manner. This is our commitment to our customers, giving you security. When you choose to deal with Emery Federal Mortgage, you are dealing with a leader in the industry that will treat you with the highest standards of integrity.

Ask Any Of My Clients

"I called Emery Federal just to find out if the rate quoted by my bank was fair. It turns out that Emery Federal offered a much lower rate/fees. My mortgage loan closed on time and I saved over $5,000 with a lower interest rate. Emery Federal was right there every step of the way."
-- Rob P., Denver, CO

Today's Rates

3.500

30 Year Fixed (3.624 APR)*

3.125

15 year Fixed (3.456 APR)*

2.250

5 year ARM (2.988 APR)*
Colorado Mountain and Resort property