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Why Recommend Coloramo FCU to Your Real Estate Clients?

• Coloramo is local! We were founded here in Grand Junction in 1953.

• All underwriting is done right here, which means all Coloramo loans are kept in-house for servicing, underwriting, processing, payments, etc., from start to finish.

• We are accessible. We are down the street, can meet any time, and are available by phone or video chat.

• We offer 30-year fixed, 15-year fixed, Construction Loans, Home Equity Lines of Credit, Home Equity Loans and more.

• Fast turnaround times—close on a conventional 30-year fixed mortgage in as little as 15 days. If delays occur, they’re typically due to required waiting periods, appraisals, or other third-party factors out of our control.

• We allow bi-weekly, monthly, and bi-monthly payments.

• No pre-payment penalties.

• We have the expertise and flexibility to create the loan your client needs (based on payment, amortization, and specific term). 

• As a not-for-profit financial cooperative owned by our members, we are committed to transparency and fairness. That means no hidden or unnecessary “junk” fees. Our origination fee for first mortgages is just 1%, and we offer some of the lowest fees on second mortgages, with a modest $589 underwriting fee.

• We hold pricing meetings every two weeks to ensure our rates remain competitive and aligned with market trends.

• Our roots run deep in Western Colorado. Our team lives and works here, our underwriting is handled locally, and every decision is made right here in the community we serve.

• We can do Real Estate loans in the 8-county Western Slope area: Mesa, Delta, Montrose, Ouray, Gunnison, Rio Blanco, Moffat and Garfield counties.

• We have technology that allows loans to be closed remotely, even if the signers are not in person—whatever is most convenient for you and your clients.