Your Partner for Home Loans in  Colorado, Texas, Oregon

Low Rates. Transparent Fees. No Pitch.

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Get Clear, upfront rates and expert guidance. No surprises, no pitch. Get started today.

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Young Millennial Celebrating

30 Year Fixed

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15 Year Fixed

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FHA Home Loan

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VA Home Loan

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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:

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

Need help?

Our team is here to answer your questions.

Whether you’re not sure how to get started or want help understanding your options, we’re happy to assist.

  • Call us at 303-444-5251
  • Email info@locusmortgage.com
  • Or just click the green “Get a Quote” button to begin — we’ll follow up.

We believe in pressure-free guidance, not sales calls. Reach out anytime.

Rate Alert

Want to track rates that match your exact scenario?

Click “Personalize My Rate” to receive bi-weekly updates based on the information you’ve entered.

  • You’ll see updated rates for your specific loan size, credit score, and property type.
  • No spam — just clean rate updates every other week.
  • You can unsubscribe at any time with one click.

This is the easiest way to watch the market and lock in when the timing is right — without re-entering your info each time.

What is this page?

This is the same live rate sheet we use when you call in for a quote.

Rates are shown from lowest to highest. Here’s how to understand the options:

  • Lower rates typically come with a discount fee (or “points”).
  • Higher rates may include a lender credit to offset your closing costs.
  • We display multiple loan terms — 15yr, 20yr, and 30yr — so you can compare.

This page gives you full transparency. You can see exactly what you qualify for and how your choices affect the rate and costs.

Where do I start?

To get an accurate quote, begin at the top of the form.

Enter all the requested information as accurately as possible:

  1. Choose Purchase or Refinance.
  2. Fill in your ZIP code, purchase price or home value, down payment or mortgage balance, and credit score.
  3. Select your property type and how it will be used.

These inputs directly affect your quoted rate. The more accurate your entries, the more personalized and reliable your quote will be.

Fee Breakdown Guide

This quote includes lender fees only.

To see an estimate of all fees, including third-party costs:

  1. Click the blue Fees link.
  2. In the pop-up, click Details.
  3. Then select Closing Cost PDF.

This will show estimated title fees, appraisal, taxes, and insurance. Since those vary by property and location, we only display lender fees here — the part we can quote precisely.