Now operating in Colorado, Arizona, Texas, Oregon, and Michigan

Low Rates and Fees, Happy Customers!

We’re the finest mortgage brokers you’ll meet—on a mission to deliver you the financial freedom that you desire and deserve.

Let Us Call You

To help you find your property

How We Can Help

Mortgage Refinance Made Simple & Easy

Founded in 2013 as Colorado Mortgage Group, we believe navigating the mortgage process should be clear, informative, and stress-free.

As one of the leading mortgage brokers in town, we tear down the walls of jargon with friendly guidance, interactive tools, and personalized education. Forget high-pressure tactics; our sole focus is finding the perfect mortgage for your unique needs and securing you the best possible terms.

That’s why we don’t believe in cookie-cutter solutions. We ask you questions, listen, and provide our expert guidance and solutions.

No matter your situation, whether you’re a first-time buyer looking for homeownership, a seasoned investor seeking to unlock equity, or a retiree looking to maximize your financial freedom, our relentless can-do spirit and low mortgage rates Colorado will pave the way for a smooth and stress-free journey.

Here’s how we can help:

Our Services

Reverse Mortgage

Locus Mortgage offers various Reverse Mortgage programs for a comfortable retirement:

  • Reverse for Purchase: Use a reverse mortgage to buy your dream home in retirement.
  • HECM Refinance: Refinance your existing FHA HECM Reverse Mortgage to lower your interest rate or access more cash.
  • HomeSafe Reverse: Unlock more equity beyond FHA limits with this specialized solution.
  • HomeSafe Second: A unique 2nd  mortgage, structured as a reverse mortgage, complements your existing loans for added flexibility.

Refinance Your Home

Locus Mortgage provides various Home Refinance programs:

  • Rate-Term Reduction: Lower your rate or term on a Conventional, FHA, VA, or Jumbo loan to save monthly cash flow or reduce the loan tenure.
  • Cash-Out Refinance: Pull out cash and potentially lower your rate simultaneously.
  • Reverse Mortgage Refinance: If you have an HECM Reverse, other reverse mortgage, or even a regular mortgage on your home, refinancing into a Reverse Mortgage can offer extra benefits.

Purchase a Home

Locus Mortgage offers Purchase Loans with low rates and fees. Here are the options that come along with our Colorado mortgage assistance:

  • Conventional Purchase: Typically uses a high down payment, backed by Fannie Mae and Freddie Mac.
  • Home Possible and Home Ready: 3% down purchase programs mainly for 1st-time home buyers.
  • FHA Purchase: Can accept low FICO scores and 3.5% down payment. Ideal for purchases with 3.5% down and a credit score below 680.
  • VA Purchase: Offers the exceptional rates with as little as zero percent down and no Mortgage Insurance.
  • Non-QM Programs: Covers bank statement loans for self-employed and DSCR loans for investors.
Our values

Why Choose Locus Mortgage?

Options, Pricing, Speed

As trusted Colorado mortgage lenders, we believe in building a relationship built on trust, transparency, and a genuine commitment to your success. Here’s why choosing us makes all the difference:

Don’t settle for anything less.

Choose Locus Mortgage and make handling your 2nd mortgage, VA refinance, or conventional loans a smooth, positive, and empowering experience.

Save Time

Save Money

Work With An Expert

About Us

Meet David Burson
Your Home Loan Mortgage Broker

At Locus Mortgage, we believe in educating our clients and the wisdom of experience. That’s why David Burson, our Broker/Owner with 20 years under his belt, is at the helm. David prioritizes building connections and finding solutions while chruncing the numbers.

David thrives on informing clients, understanding their unique situations, and guiding them through the complexities of the mortgage world with clear, honest communication.

We’re Locus Mortgage, Experts in Home Mortgages. We Offer Low Mortgage Rates and Fees with Expert Service.

We are committed to partnering closely with you to understand and help you reach your objectives. While many lenders offer similar mortgage products and terms, we go beyond the ordinary. We work quickly and efficiently to identify the best ways to assist you in meeting your goals—everything from conventional loans to VA IRRRL refinance to FHA streamline refinance.


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Frequently Asked Questions

Choose stability with predictable payments through a fixed-rate mortgage, or opt for potential lower initial payments but future rate fluctuations with an adjustable-rate mortgage.

Access funds to buy a new home while delaying traditional mortgage payments, but remember you’ll be using your home equity as collateral.

Yes. You have flexibility—switch to a new reverse mortgage Colorado with different terms or even a traditional mortgage if your situation changes.

Secure your desired interest rate for a set period, typically 15-60 days, providing peace of mind during the home-buying process.

Make a sizeable down payment while using a reverse mortgage to cover the remaining balance, allowing you to live in your new home without monthly mortgage payments.

As of January 2021, the lowest ever recorded 30-year fixed-rate mortgage rate stood at 2.65%.

Your credit score plays a major role in determining the interest rate you’ll receive on your mortgage