Your Partner for Home Loans in Colorado, Texas, Oregon
Your Partner for Home Loans in Colorado, Texas, Oregon
About Locus Mortgage: Founded in 2013, Locus Mortgage was built on the idea that home financing should be simple, transparent, and free from sales pressure. With an A+ BBB rating and excellent Google Reviews, we’ve earned the trust of clients in Colorado, Texas, Oregon.
Most lenders and brokers advertise teaser rates that don’t reflect reality. At Locus Mortgage, we show live mortgage rates so you always know where you stand. No gimmicks, no hidden fees—just honest numbers and clear explanations. We believe that when borrowers have access to real data, they make smarter, more confident financial decisions.
Our goal is to provide you with the best possible deal on your mortgage while keeping the process efficient and stress-free. Whether you’re refinancing, purchasing a new home, or exploring a reverse mortgage, our team focuses on giving you clarity and support at every step.
We cut through unnecessary complexity and put your needs first. Our process includes:
Showing transparent, up-to-date rate comparisons.
Explaining loan options in plain language.
Guiding you through paperwork and deadlines with ease.
Clients choose us because we combine local expertise with modern technology. We know the details of state lending rules, and we use cutting-edge tools to keep your application moving quickly. Our promise is that your focus stays on your goals—while we handle the mortgage details.
At the heart of About Locus Mortgage is a simple belief: a mortgage should never feel like a mystery. We work hand in hand with every client, guiding you through loan pricing so you understand exactly what you’re getting—not just at the start, but all the way through to closing.
Too often, borrowers are handed a stack of papers full of numbers and legal terms without clear explanations. Our team takes a different approach. We slow things down, answer questions in plain language, and walk you through how rates, fees, and loan terms fit together. By the time you arrive at the closing table, you’ll already know what every figure means and why it’s there.
Education is central to how we serve our clients. From explaining how live mortgage rates change daily, to breaking down the difference between principal and interest, we make sure you understand the “why” behind your mortgage. That confidence helps you make better financial decisions and ensures there are no surprises when you sign.
When you choose Locus Mortgage, you’re choosing more than a broker—you’re choosing a partner who values transparency, education, and your long-term financial well-being.
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.
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.
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:
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:
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:
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.
