The HomesFund is a mortgage from HomesFund. The ongoing APR is 3% interest rate fixed for 30 years (estimated APR 3.19%). Approval typically requires a credit score of Credit score of 680+ or higher. Typical credit limit: Maximum loan amount $400,000 (La Plata, Archuleta, San Juan counties) and $332,500 (Montezuma, Dolores counties); higher maximums may be considered with loan committee approval. Loan terms: 30-year amortization and maturity.