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Bank Statement Second Mortgage

Alternative income qualifying is like a cash-out refinance the second mortgage, but you keep the low rate from your 1st mortgage. What is a second Mortgage? The Bank Statement Stand-Alone Second is a 2nd mortgage that allows you to qualify without providing two years of Tax Returns or 1099s. Technically, it is a non-QM (non-qualified […]

Comprehensive Reverse Mortgage Guide

What is a reverse mortgage? In recent years, reverse mortgages have exploded in popularity among American seniors. Since the program began in 1989, over 1 million reverse mortgage loans have been originated. In 2021 alone, over 130,000 seniors took out a reverse mortgage. But what exactly are reverse mortgage companies, and is it right for […]

The Ultimate Home Refinancing Guide

Refinancing a home can be a great way to save money on your mortgage, but navigating today’s evolving real estate markets can feel tricky. That’s why being market-savvy is key! This guide will help you understand your refinance options, make smart decisions, and potentially unlock significant savings for your home. What Is Refinancing? Think of […]

FHA Streamline Refinance Program in 2024: A Guide..

What is a FHA streamline refinance? Introduced by the Federal Housing Administration (FHA), this program allows borrowers to streamline the refinancing process, reducing paperwork and saving time and money. The FHA Streamline Refinance program is designed to help homeowners with existing FHA-insured mortgages take advantage of lower interest rates without going through a lengthy and […]

Clearing Up Myths About Jumbo Reverse Mortgage.

Have you heard of jumbo reverse mortgages but aren’t quite sure what they are? This type of loan is specifically designed for homeowners with valuable properties who are 62 years or older. It allows them to access a portion of the equity they’ve built up in their home without having to make monthly mortgage payments. […]

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.