Personal Banking Services
Home Mortgage Services
Whether purchasing your first home or refinancing your existing home, we have a variety of home loan products to fit your needs and situation.
Other Lending Services
From buying recreational vehicles to a new auto purchase, we have the loan products to help you reach your goals beyond home ownership.
Obtaining a home loan, no matter the purpose, can be stressful. RG BANK has experienced loan officers ready to help assist you through the loan process from application to closing.
RG BANK offers loans for Home Mortgage Purchase, Home Mortgage Refinance, Home Improvement and Home Construction. We invite you to call a RG BANK loan officer and let them help you today with the application for your mortgage loan.
Meet the Home Lending Team
RG BANK has experienced loan officers ready to help assist you through the loan process from application to closing.
Call To Get Started: 719.852.5933
Joel Polkowske
Alamosa Branch Manager
Email or call Joel today.
Chad Bagwell
Monte Vista Loan Officer – Mortgage and Consumer Lending
Email or call Chad today.
Mario Garcia
Pagosa Springs Loan Officer – Mortgage and Consumer Lending
Email or call Mario today.
Achieving Ownership
Home Mortgage Purchase Loan
RG BANK has experienced loan officers to help you through each step in the home mortgage purchase loan process.
Home Mortgage Purchase Loans are offered for:
Primary Home | Secondary Home | Investment properties
RG BANK loans offer:
- Competitive rates
- Fixed rates with various terms
- Variable rates with various terms
- Low Down payment options
- We may be able to finance up to 97%* loan to value
- Experienced bankers to assist you through the home purchase process from application to loan closing
- Local decision making on your loan
Click here to go to application(s) and forms
*with Private Mortgage Insurance which will add to your payment
Mortgage Refinancing
Home Mortgage Refinance Loan
RG BANK has experienced loan officers to help you through each step in the home mortgage refinance loan process.
Home Mortgage Refinance Loans are offered for:
Primary Home | Secondary Home | Investment properties
RG BANK loans offer:
- Competitive rates
- Fixed rates with various terms
- Variable rates with various terms
- High loan to value refinance options
- We may be able to finance up to 97%* loan to value
- Experienced bankers to assist you through the home purchase process from application to loan closing
- Local decision making on your loan
Click here to go to application(s) and forms
*with Private Mortgage Insurance which will add to your payment
Build Your Dream Home
Home Construction Loans
Construction loans have a few more components than other home loans, but RG BANK has the experience to help make a construction and or home improvement loan process smooth and headache free. Plus, RG BANK can offer a one time closing, which allows you to move right from your construction loan into your permanent financing with no additional fees and no additional hassles.
Construction Loans are offered for:
Primary Home | Secondary Home | Investment properties
RG BANK loans offer:
- Competitive rates
- Fixed rates with various terms
- Variable rates with various terms
- One time closing, which allow you to move right from your construction loan into your permanent financing with no additional fees and no additional hassles
- Experienced bankers to assist you through the construction process from application to closing
- Local decision making on your loan
HELOC
Home Equity Lines of Credit
Small project or big addition, RG HELOC is a revolving line of credit, allowing you to borrow more than once. You can pay the RG HELOC down and draw it up as many times as you need to.
The RG HELOC uses your home as collateral and that means the interest rate is usually lower than credit cards and other types of revolving credit.
How can the RG HELOC help you:
- If you need money, you don’t need to refinance your mortgage loan. Get the RG HELOC
- Fund house repairs, medical bills, wedding costs and / or unexpected expenses
- Consolidate what you owe on credit cards or other higher-rate debts into a single loan
- Help pay for education tuition and fees
- The flexibility of the RG HELOC can make it a great resource for managing cash flow, with quick access to funds
Home Improvements and Renovations
Home Improvement Loans
Small project or big addition, RG BANK can find the right solution to help finance your home improvement loan.
Home Mortgage Improvement Loans are offered for:
Primary Home | Secondary Home | Investment properties
RG BANK loans offer:
- Competitive rates
- Fixed rates with various terms
- Variable rates with various terms
- Experienced bankers to assist you through the home improvement process from application to closing
- Local decision making on your loan
Find the Perfect Spot
Residential Lot Purchase Loan
RG BANK has experienced loan officers to help you through each step in the residential lot purchase loan process.
Residential Lot Purchase Loans are offered for:
Primary Home Lots / Secondary Home Lots / Investment Properties
RG BANK loans offer:
- Competitive fixed rates with various terms
- Financing up to 75% loan to value
- Experienced bankers to assist you through the residential lot purchase process from application to loan closing
- Local decision making on your loan
Get Started
Home Mortgage Application(s) and Forms
To help assist you through the home loan application process, below you will find links to various forms that may be necessary, depending on your unique situation.
- Click to download our Mortgage Loan Application Cover Letter, which provides you with instructions for completing the necessary forms
- Click to download RG BANK’s Uniform Resident Loan Application (URLA)
- Each borrower must complete a URLA, so if you are applying for a loan with others, please click to download the URLA – Additional Borrower form. This additional form is needed for any additional borrowers. If you are applying for a loan individually, you do not need to complete this URLA – Additional Borrower form
- Should you run out of room while completing the Uniform Residential Loan Application, click to download a Continuation Sheet which will provide additional space for you or an additional borrower on your application. If your application is complete without needing any extra pages, you do not need to complete this URLA – Continuation Sheet form
Auto and Recreational Vehicle Loans
Helping customers achieve their goals for over 100 years in the Southwest.
Your Next Dream Ride
Auto Loans
RG BANK provides a simple process to help you purchase or refinance your vehicle.
RG BANK loans offer:
- Competitive, fixed rates
- Competitive terms, to help keep that payment affordable
- Experienced bankers to assist you through the process from application to closing
- Local decision making on your loan
Getaway Anytime
Recreational Vehicle Loans
RG BANK knows the people in southern Colorado love to get outdoors and play. Let us help you purchase or refinance your recreational vehicle.
RV purchase or refinance loans are offered for:
Motorcycles | Campers | RVs | 4-Wheeler | Side-by-Sides
RG BANK loans offer:
- Competitive, fixed rates
- Competitive terms, to help keep that payment affordable
- Experienced bankers to assist you through the process from application to closing
- Local decision making on your loan
NMLS #421822