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.