Mortgages

  • Variable Rate Mortgage - Offers a low variable rate that floats with Prime rate for 3 and 5 year terms. Your mortgage can be converted to a fixed rate mortgage without penalty any time within the first 2 years of your term.
  • Fixed Rate Mortgage - Offers a low fixed rate for terms up to 5 years.
  • Progressive Construction Mortgage - With our progressive mortgage you can pay for the cost of building as construction progresses. If you like you can make interest only payments for up to one year.

Columbia Valley Mortgage Features

All of our mortgages offer the following features:

  • Prompt Local Approvals - Our mortgages are approved in Golden.
  • CreditMasterTM - One-time legal fees eliminate future hassles. You can re-advance your mortgage, set-up separate loans, separate mortgages, and lines of credit without future legal fees!
  • Pre-Payments - You can make a lump sum pre-payment equal to 20% of the original mortgage amount on the anniversary date without penalty. Making annual pre-payments can save you thousands of dollars! Try our Mortgage Calculator. See the savings!
  • Flexible Payments - You can increase your regular mortgage payment up to 20%. Over the life of your mortgage even a small increase can save thousands of dollars.
  • Interalia Mortgages - You can use one mortgage for two or more properties.
  • Loan Rebates – Depending on our financial results for the year we may pay an interest rebate as part of our Member Rewards Program.
  • Comprehensive Statement - All our mortgages feature a comprehensive monthly statement of ALL your accounts.
  • Cumis Group Mortgage Protection Life, Disability, Critical Illness, and Loss of Employement Insurance - Protect your family and dependents from the unknown with the insurance products we offer.

Apply for a mortgage.

Payment protection coverage is optional and is underwritten and provided by CUMIS Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements.

 

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