Home Loans

Options to help you fund home sweet home.

Whether it’s your first home or your fourth, buying a house is an exciting event — one with lots of steps. Our Mortgage Loan Officers will help provide financing options that work for you, and guide you through every stage of the loan process.

Financing Options

10, 15, 20, or 30 year terms are available. Property must be located within a 100 mile radius of Cobalt Credit Union.

Fixed Rates

Say no to surprises. Avoid worrying about fluctuations in interest rates and enjoy a consistent mortgage interest rate for the life of your conventional loan.

Purchases and Refinances

Save money by lowering your mortgage payment, paying off your mortgage sooner, or taking out cash to pay off high-interest debt.


Secure a loan to invest in the residential real estate market.

3% Down Payment Mortgage

Whether it's your first home purchase or you have owned before, Cobalt Credit Union has mortgages that you can understand. With a lower down payment, no prepayment penalty, and in-house servicing, you'll know you're making the right move.

  • Pay only 3% down
  • Available for 30-year terms or less
  • No prepayment penalty
  • Application deposit of $420 is credited back at closing
  • Cobalt Credit Union checking account with automatic loan payment required

                                                                                                                                                                       Equal Housing Lender

Financing Team

Please contact one of our Mortgage Loan Officers for program details or to schedule an appointment at any of our convenient locations.

Chloe Hamel

NMLS ID: 1608143

Debra "DJ" Rorebeck

NMLS ID: 457139

Eric Sternberg


NMLS ID: 13295

Jenni Scebold

NMLS ID: 999576

Maribel Garcia

NMLS ID: 1560070

Rachel Moeller


NMLS ID: 1079441

Surie Legge


NMLS ID: 545289

Wendy Walker

NMLS ID: 1569933

Care to join us?

If you’re ready to switch to Cobalt Credit Union, we’re ready to help. Apply now to get started.

Apply Now

Have questions about Cobalt Credit Union? Drop us a line.
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