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Mortgage Department

Today's Interest Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.422%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.750%  3.830%  0.000%
5 Year Adjustable Rate
 Rate  APR  Points
 4.125%  4.409%  0.000%
FHA 30 Year Fixed Rate
 Rate  APR  Points
 4.300%  5.295%  0.000%

Personalized Quote

Richard A Hoover
VP, Mortgage Manager

NMLS Registry Number: 406318

259 W. 9th Street
Durango, CO 81301

Office: 970-382-5794
Cell: 970-749-5370


Rick Hoover is an award winning and highly recognized Mortgage Professional with over 16 years of experience in the field of loan origination and management.  What distinguishes him from others in his field of expertise is that he treats each customer the way he would want to be treated.  Communication and understanding are of utmost importance.  Rick has a special interest in giving every customer and employee that personal touch and he believes the road to success is trying but worth the effort.  Based in Durango, Colorado, he is determined to make First National Bank of Durango the premier mortgage lender in Southwest Colorado and Northern New Mexico.  Rick holds a Bachelor of Science degree in Finance from Missouri State University.

Still want to have personal assistance?

You can call or email me to answer any of your questions or ask for advice.

Free pre-approvals!

We offer pre-approvals, so you can shop for your home knowing that you can afford the mortgage.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and I am always just a call or email away!

Government Loans

Looking for a low down payment FHA loan? You've come to the right place!

Rate Watch

Sign up for Rate Watch to keep an eye on rates via email.

NMLS Registry Number: 406318

Equal Housing Lender

Equal Opportunity Employer, ©2009 All Rights Reserved, First National Bank of Durango
Member FDIC