Home Loans

Your home is one of the biggest investments you'll ever make. Whether you're buying your first home, looking to upgrade or purchase a vacation home — or just want to improve on the house you've got, we can help you make the most out of your investment.

Explore a Wide Range of Home Loans

We can help you find the home loan that's right for you. Start your search here, and then when you're ready to explore further, let us know.

Mortgages and Refinancing

Whether you’re looking to purchase a new home or refinance one you already have, we have a solution to meet your needs.

Home Equity Loans

Our home equity loans offer no closing costs, a fixed monthly payment and a competitive interest rate. If you know exactly how much money you'll need and have some equity built up in your house, a home equity loan might be the right fit.

Home Equity Lines Of Credit (HELOC)

If you're looking for a flexible loan that lets you take multiple advances out over time, a home equity line of credit might be just the thing. It's a loan that's ready when you are. Plus, there are no closing costs.

When Your Bank Means More to You Than Just Banking

We know that buying a house is just one financial goal of many that you'll have over the years. That's why we've put together some tips for reaching it, and some of the other most common goals out there.

What Makes Our Home Loans Stand Out?

Flexibility

With several types of mortgages and a variety of home equity loans at Colorado State Bank and Trust, we offer the flexibility to find the loan that's best for you.

Competitive Interest Rates

We offer very competitive interest rates on all of our mortgages and home equity loans, so you can keep your overall costs as low as possible.

Local Service

Our closings are timely, and you'll get personal attention from our Relationship Bankers and  Mortgage Bankers.

Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message or call us at (877) 205-1710.

Do I Need a Home Equity Loan or a Home Equity Line of Credit?

It depends on what you need the loan for. Both use your house as collateral for the loan, but they're distributed in different ways. A home equity loan is disbursed all at once, and has monthly payments that don't change. The home equity line of credit is accessible for a long-term period of time, and you can take money out as you need it. It has a variable interest rate, and so your payments vary based on your interest rate and how much money you've taken out.

How Do I Apply for a Mortgage?

You can simply apply online using our Mortgage Application. The application will ask questions about the house you are planning to buy and your finances. It can take less than 20 minutes to complete. If your application is approved online, we'll ask you for a deposit to cover the cost of the appraisal on your home so that we can begin to process your request immediately. After your application is completed, a Mortgage Banker will contact you to introduce themselves and to answer any questions you may have. Your Mortgage Banker is experienced and will provide help and guidance along the way. If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.

What is PMI?

PMI stands for private mortgage insurance. It protects lenders in case you default on your mortgage. It is required on first mortgages if you don't have a down payment of at least 20%. It's also required if you refinance and have less than 20% equity in your house. The cost of the PMI is typically added to the monthly mortgage payment.

How Do I Figure Out How Much Equity I Have?

To find out how much estimated equity you have in your home, simply subtract all the amounts you owe on a property from your home's value. The difference is the amount of equity you may have. If you need help, use our home equity calculator.

Related Information

Loan Rates

Find up-to-date interest rate information on all our loans.

Related Products and Services

Looking for another type of loan? If a home loan isn't right for you, we have a variety of other products to choose from.