Mortgages
Mortgage Loans
Whether you are a first-time homebuyer, finally buying that dream vacation home, or anywhere in between, opening new doors starts with a loan process made easy.
Mortgage Lenders
mortgage options
At Yampa Valley Bank, we uphold the same hometown values and personalized service that define our community. We know every borrower has unique needs, and we’re committed to finding the right mortgage solution for you.
We offer a wide range of mortgage products, including:
Traditional Loans
- Conventional Loans
Flexible financing for primary, secondary, or investment properties. - Cash Out Refinance
Convert home equity into cash for renovations, debt consolidation, or major expenses. - Rate & Term Refinance
Adjust your loan’s interest rate or term to lower payments or pay off faster. - Second Homes
Financing options for vacation or seasonal homes.
Government-Backed Loans
- FHA
Lower down payment and flexible credit options for first-time or low-income buyers. - USDA
No down payment required for eligible rural and suburban homebuyers. - VA
Exclusive zero-down financing for eligible military service members and veterans.
Non-Conventional Loans
- Bridge Loans
Short-term financing to buy a new home before selling your current one. - Condo-tel
Specialized loans for condominium-hotel hybrid properties. - Construction
Financing for building a custom home from the ground up. - Interest Only
Lower initial payments by paying only interest for a set period.
- Investment Property
Loans tailored for rental properties and real estate investments. - Jumbo
Higher loan amounts for luxury or high-value properties. - Lot Loans
Purchase land now and build later with flexible financing.
local expertise, no origination fees
Our Mortgage Loan Originators are dedicated to helping you navigate the home financing process with expert local insights and industry knowledge—all with no origination fees. Experience the YVB difference today!
Steamboat Springs
Whitney Fortna
NMLS ID: #804913
600 South Lincoln Ave, Suite 100
Steamboat Springs, CO 80487
Or Call 970-875-1638 to get started and see how we can help you!
Craig
Mary Beth Anders
NMLS ID: #1960306
435 Mack Lane
Craig, CO 81625
Or Call 970-824-0412 to get started and see how we can help you!
