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Low Rates. Transparent Fees. No Pitch.

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Young Millennial Celebrating

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Low Rates. Transparent Fees. No Pitch.

Founded in 2013 as Colorado Mortgage Group, we believe navigating the mortgage process should be clear, informative, and stress-free. We also are turned-off by the traditional sales process. So we offer great low rates, transparent fees, without the pitch.

That’s why we ask you questions, listen, and provide expert guidance and solutions. The more you understand how mortgage loans work and how they are priced, the more you can make a good decision.

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 can-do spirit and low mortgage rates will give you the information you need.

Our Services

Reverse Mortgage

Locus Mortgage offers various Reverse Mortgage programs for a comfortable retirement. Use a reverse mortgage to buy your dream home in retirement.

Refinance Your Home

Low Rates and Fees are the starting point for your refinance. We also want you to be happy with the process. From start to finish, we strive for professionalism and efficiency.

Purchase a Home

Execution and Certainty is essential when purchasing a home. Low rates and fees never hurt. You can count on us to treat your home purchase with unparalleled focus.

Why Choose Locus Mortgage?

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:

  • Competitive Pricing With Low Mortgage Rates and Fees
  • Speed
  • Open Communication
  • People-First Approach
  • Experienced & Knowledgeable
Choose Locus Mortgage and make handling your 2nd mortgage, VA refinance, or conventional loans a smooth, positive, and empowering experience.
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Frequently Asked Questions

What are the types of mortgages?
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.
What is a reverse mortgage purchase?
Access funds to buy a new home while delaying traditional mortgage payments, but remember you’ll be using your home equity as collateral.
Can you go for a reverse mortgage refinance?
Yes. You have flexibility—switch to a new reverse mortgage Colorado with different terms or even a traditional mortgage if your situation changes.
How can you lock in a mortgage rate?
Secure your desired interest rate for a set period, typically 15-60 days, providing peace of mind during the home-buying process.
How does reverse mortgage purchase work?
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.
What were the lowest mortgage rates in history?
As of January 2021, the lowest ever recorded 30-year fixed-rate mortgage rate stood at 2.65%.
What factors can affect mortgage rates?
Your credit score plays a major role in determining the interest rate you’ll receive on your mortgage

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