Smart Solutions for Smaller Financing

MINI MORTGAGE

WHAT IS A MINI-MORTGAGE?

A mini-mortgage is a smaller home loan designed for borrowers who need to borrow a lower amount—typically under the threshold of a traditional mortgage—and who do not have a primary mortgage loan. It's perfect for those looking to renovate, consolidate higher-interest debt, or purchase a lower-priced property. With Alpine Credit Union, mini-mortgages come with fewer barriers and faster approvals, making the process simpler and more affordable.

CUSTOMIZED FINANCING FOR YOUR NEEDS

Let Alpine Credit Union customize a mini-mortgage loan to fit your specific needs. We offer several financing terms that all include competitive rates, no closing costs, and quick approval and funding. If you own your home and need a small loan for a specific purpose, our mini-mortgage might be the perfect fit.

WHY CHOOSE ALPINE CREDIT UNION?

  • Local Underwriting – you always work directly with Alpine Credit Union’s Mortgage Department
  • Low Fixed Rates
  • No Closing Costs
  • Flexible Loan Terms Available

Mini Mortgage Rates

TermAPR
5 Years5.24% APR*
7 Years5.74% APR*
10 Years6.24% APR*
15 Years6.74% APR*

Get Started

Use our easy mortgage calculator to find your ideal price range and monthly payment. 

Mortgage Payment Calculator

Calculate Your Payment

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Loan Calculation

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NEXT STEPS

  1. Use the calculator to explore your price range.
  2. Contact our Mortgage Department for personalized guidance if needed.
  3. Start your application and get pre-approved quickly!
Get Started
Compare Rates

CONTACT OUR MORTGAGE DEPARTMENT

Call or Text: 801-857-2470
Email: mortgage@alpinecu.com
Fax: 801-426-1522

Loyalty rate discounts do not apply to mortgage products.

APR=Annual Percentage Rate. VAR=Variable. LTV=Loan to Value
*Rates based on 80% LTV or less, LTV's greater than 80% may require an adjustment to the above rates. Minimum loan amount to qualify for a no closing cost option, is $25,000. Property insurance is required. Consult your tax advisor regarding the deductibility of interest. See credit union for details on how to avoid closing costs.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.