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Denver Real Estate Glossary
U
Underwriting - The analysis of risk, the determination of the appropriate loan amount, and the setting of loan terms and conditions, based on the borrower's creditworthiness and the value of the real property that will secure the loan.
Unsecured Loan - A loan that is not backed by collateral.
If you have any question about real estate terms or language please contact us for clarification.
Emery Federal - 720.583.5655
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)* |
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Loans are originated under the Financial Services Division of Emery Federal Credit Union. Your Loan Officer or Mortgage Consultant is your main contact regarding your loan transaction. Please contact them during your loan process. If you need further assistance, please contact our help desk at: 800-880-3020 or help@EmeryFed.com. We look forward to serving you.
Originally chartered in 1939 to serve Emery Industries, in 1984 Emery FCU expanded our field of membership to include other diverse groups. Today Emery FCU serves the employees (and their family members) of over one hundred sixty four (164) companies.
Emery FCU is a not-for-profit, member-owned financial institution. Unlike banks, thrifts, and finance companies who operate on a "for profit" basis, we return excess earnings back to our members in the form of lower loan interest rates, higher yield savings and investment accounts, and low or no fee convenience services in addition to the friendly, unmatched member service provided. As a not-for profit financial cooperative, you have the assurance of knowing that your money is safe and secure because it is Federally Insured, through the National Credit Union Administration (NCUA).
* APR based on $200,000 loan amount. APR will change depending on loan amount.NMLS # 401087 © Denver Mortgage Rates.