We take pride in our deep roots within the communities we serve. We believe in keeping the process local, which allows us to understand and respond to the specific needs of our clients more efficiently. Additionally, our commitment to keeping money local means that the funds you invest in your home help support and strengthen our local economy.

High Country Bank offers competitive rates and is committed to a seamless lending experience tailored to our community’s unique needs. Our local team is here to ensure you receive the best possible service and support throughout your mortgage journey.

Purchase a Home

There are a lot of options to consider when purchasing a new home.  We offer conventional/fixed rate loans, Adjustable Rate Mortgages (ARM,) First-time Homebuyer programs and USDA loans.  Contact us to determine the best option for your unique situation.

Refinance Your Home

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.

Construction Loans

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.

Land Loans

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.

Home Equity Loans

We offer home equity products designed to help you unlock the value of your home. Whether you’re looking to fund home improvements, consolidate debt, or achieve other financial goals, we have solutions that offer competitive rates and flexible terms. Our local loan team is here to guide you through every step, ensuring you get the most out of your home’s equity with the support of a trusted local partner.

Product Options

Home Equity Line of Credit (HELOC)

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 and are comfortable with variable interest rates and terms.

Second Mortgage

A second mortgage 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 Mortgage if you need a specific amount of funds with predictable payments and prefer the stability of a fixed interest rate over a longer term.

 

To learn more about our loan products, contact our lending team or stop in at one of our branches.

Meet the Team

Amy headshot
Amy Fell
VP, Mortgage Loans

NMLS #2271341

719-530-8802

Cheyenne headshot
Cheyenne Shake
AVP, Mortgage Loans

NMLS #2401806

719-530-8855

Kristin headshot
Kristin Ebberts
Mortgage Loan Officer, Buena Vista

NMLS #2704159

719-530-8807

Apply Here
Gina headshot
Gina Gall
Mortgage Loan Officer, Cañon City

NMLS #1212756

719-467-6061

Apply Here
Ashley Kolberg
Ashley Kolberg
Mortgage Loan Officer, Longmont

NMLS #2517781

970-703-6942

Apply Here
Jeannette headshot
Jeanette Shoufler
Mortgage Loan Officer, Salida

NMLS #2537286

719-530-8817

Apply Here