We Know Colorado Mortgages


Credit towards closing costs*



in total lender fees*


Day interest rate lock available* 

You’ve decided where you want to live, and have found the property you love. Now, it’s time to choose a lender. We recommend one who has your financial well-being in mind.

buying a home in colorado

Kelley Spight

NMLS 420438
Mortgage Loan Originator
Windsor Mortgage Loan Office
Off I-25 & Windsor Exit
4650 Royal Vista Circle, Suite 200
Windsor, CO 80528

Office: 970.617.4034

Mortgage tools designed for colorado homebuyers:

Down Payment Options

Down payments fit for you.

With a number of down payment options, your homeownership dreams might be more achievable than you think. There are alternatives to a 20% down payment—in fact, your down payment can start at just 3%. We’ll help you explore the possibilities.

No Closing Cost Option

Lighten your load by removing closing costs.

Consider our no closing cost option if you want to save cash for the down payment or a remodel, or if you want to refinance to lower your rate without a large expense. Available for conforming loans, Elevations will pay all non-recurring closing costs like lender fees and title fees, while the borrower pays a slightly higher interest rate.

Combination Loans (80/10/10)

Sidestep Private Mortgage Insurance.

By combining a mortgage and a home equity loan or line of credit (often called a second mortgage), you may be able to buy a home without putting 20% down or paying for Private Mortgage Insurance (PMI). These combination loans are available for up to 90% of your home’s value with conforming and jumbo loan options.


We’re here to answer all your mortgage questions.

When you’re talking mortgage loans — also known as “a big deal” — you want to talk to a real, live human being. A local one is even better. Our experienced, award-winning team of mortgage lenders is here and happy to serve you. Because when it comes to Colorado mortgages, sharing our knowledge with you is one of our favorite parts of the job.

fort collins home loans
financing a home in fort collins

Mortgage benefits with Elevations:

  • Fast and easy online mortgage application
  • Down payment options as low as 3%
  • In-house team of local underwriters, processors and closers for a faster process
  • Deep knowledge of Colorado markets
  • Variety of loan options including loans with fixed rates and adjustable rates (ARMs), jumbo loans, Federal Housing Administration (FHA) loans and Veterans Affairs (VA) loans

*All Credit Union loan programs, rates, promotions, terms and conditions subject to change anytime without notice. Closing cost credit of $3,000 is split between builder & lender ($1,500 from lender & $1,500 from builder) and is not applicable on all loan products. $690 lender fees are for conventional loan products; other loan programs such as FHA, VA or USDA loans could be higher. Inquire with a loan officer for extended lock options, a fee may apply. Townhomes on Vine is not an affiliate of Elevations Credit Union. Offer subject to credit approval and membership is required.