High Country Bank offers vacant land loans designed to help you realize your dreams of Colorado living.   Whether you’re planning a mountain retreat, a serene getaway, or simply investing in a beautiful piece of Colorado, our local lending team is here to support you every step of the way.

No matter what you plan to do with your property, we offer lending solutions, including purchase or refinancing for vacant land, as well as construction and permanent financing.

High Country Bank can simplify the process with our construction-to-permanent financing solutions.  Working with us from start to finish of your project, not only streamlines the transition from construction to permanent financing but also saves you valuable time and money, ensuring a smoother and more cost-effective path.

Our expertise in construction lending sets us apart from the competition. With a deep understanding of the complexities involved in building projects, we offer tailored financial solutions that streamline the process, minimize risks, and maximize success. Our dedicated lending team, combined with our innovative loan structures and responsive service, ensures that your construction goals are not just met but exceeded. Choose High Country Bank for a partner who is committed to turning your vision into reality with unmatched precision and support.

Refinancing can be a strategic move to better manage your finances and achieve your long-term financial objectives.  We offer competitive refinancing options that are specifically tailored to meet your unique needs. Our experienced lending team is committed to providing you with personalized service to help you navigate the refinancing process with ease. Whether you’re looking to lower your monthly payments, consolidate debt, or adjust your loan terms, we’re here to support you every step of the way.

Home Equity Lines of Credit is a type of revolving credit that allows homeowners to borrow against the equity they’ve built up in their property.

What to consider: Choose a HELOC if you need flexibility and access to funds on an as-needed basis, prefer potential variable rates, and are comfortable with interest-only payments during the draw period.

A second lien can be a strategic financial tool to leverage your homes equity for needs such as home renovations, education costs, or significant purchases.  

What to consider: Choose a Second Lien if you need a specific amount of funds with predictable payments and prefer the stability of a fixed interest rate over a longer term.

Customers may choose this option when they need a specific amount of funds, with predictable payments and like the stability of a fixed interest rate over a longer term.

A fixed interest rate home equity loan is a type of loan where you borrow a lump sum of money against the equity in your home, and you repay it over a set period with a fixed interest rate.

What to consider:  Choose this option if you want your interest rate and monthly payments to remain consistent throughout the life of the loan.  This option can make it easier to budget and plan for your payments.

An Adjustable Interest Rate Home Equity Loan (often called an ARM or adjustable-rate mortgage) allows homeowners to borrow against the equity in their home, with an interest rate that can change over time.

What to consider: While these loans can offer advantages, it’s important to consider the potential for rising interest rates and fluctuating payments. Careful planning and understanding the terms are essential.