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Terms & Conditions

Last Updated: January 1st, 2026

These Terms & Conditions (“Terms”) govern your access to and use of the website operated by Locus Companies, LLC, doing business as Locus Mortgage (“Locus,” “we,” “us,” or “our”), including any content, features, forms, and services made available through locusmortgage.com (the “Site”).

By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1) Informational Purposes Only — No Financial Advice

The Site provides general information about mortgage products and related services. Content on the Site is for informational purposes only and is not legal, tax, or financial advice. You should consult appropriate professionals regarding your specific situation.

2) No Guarantee of Rates, Approval, or Terms

Any rates, payments, savings estimates, or other results shown on the Site are estimates and are not a commitment to lend or a guarantee of any specific rate, payment, or loan terms. Actual terms may vary based on many factors including market conditions, program guidelines, credit, income, assets, and property details. All loans are subject to underwriting approval and program availability.

3) Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Site. You may not attempt to gain unauthorized access to the Site, interfere with its operation, or introduce malware or harmful code.

4) Submissions and Communications

When you submit information through the Site (including contact forms, rate requests, or other inquiries), you represent that the information you provide is accurate to the best of your knowledge.

We may contact you at the email address or phone number you provide to respond to your request, provide requested information, or continue the conversation about your inquiry.

5) SMS/Text Messaging Terms

If you provide your phone number and opt in to receive text messages, you consent to receive Customer Care and Marketing SMS from Locus Mortgage (Locus Companies, LLC). Message frequency may vary. Standard message and data rates may apply. Reply STOP to opt out. Reply HELP for help.

Consent to receive text messages is not a condition of purchase. You can opt out at any time by replying STOP. After opting out, you may receive a final confirmation message.

6) Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect information. Please review our Privacy Policy.

7) Third-Party Links

The Site may include links to third-party websites for your convenience. We do not control those websites and are not responsible for their content, policies, or practices. Access third-party sites at your own risk.

8) Intellectual Property

All content on the Site, including text, graphics, logos, icons, images, and design, is owned by or licensed to Locus and is protected by applicable intellectual property laws. You may view and print pages for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, or publicly display Site content without our prior written consent.

9) Disclaimers

THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

10) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOCUS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR ANY CONTENT ON IT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11) Indemnification

You agree to defend, indemnify, and hold harmless Locus and its owners, officers, employees, contractors, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or misuse of the Site.

12) Changes to the Site or Terms

We may update the Site or these Terms at any time. Changes are effective when posted. Your continued use of the Site after changes are posted means you accept the revised Terms.

13) Governing Law and Venue

These Terms are governed by the laws of the State of Colorado, without regard to conflict of law principles. Any dispute arising from these Terms or your use of the Site will be brought in the state or federal courts located in Colorado, unless otherwise required by law.

14) Contact Us

If you have questions about these Terms, contact us:

Locus Mortgage (Locus Companies, LLC)
Email: info@locusmortgage.com
Phone: 303-444-5251
357m South McCaslin Blvd., #200, Louisville, CO 80027

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.