About NetRate Mortgage
I started brokering mortgages in 2013 under the name Locus Mortgage. The idea was simple: help people get better rates by shopping across wholesale lenders instead of going to one bank. That idea hasn't changed. The name has.
Why Wholesale?
We shop across 11 lenders to find the lowest rate for your scenario. Banks sell their own products. We sell the market.
How It Works
Check real rates on our rate tool — no application, no credit pull. When you're ready, we lock the best option and close your loan.
Direct-to-Consumer
No realtor referral fees. No branch office overhead. No corporate layers. Lower costs = better pricing for you.
The Rate Tool
Real wholesale pricing — the same data we use to price loans — before you share a single piece of personal information.
Meet David Burson
In 2025, I rebranded to NetRate Mortgage — a name that says what we actually do. We find you the net best rate by comparing options across our lending partners. No markup, no loyalty to one lender, no games with pricing.
I'm based in Louisville, Colorado. I run a lean operation — one loan officer, no branch office overhead, no corporate layers. That means lower costs, which means better pricing for you.
If you're the kind of person who does your own research before making a big financial decision, you're exactly who I built this for.
What Clients Say
“David was absolutely incredible. Whenever he quoted us he was correct and there were no surprises. My final mortgage was $50 less per month than what he quoted me 6 months prior. If you want someone to do an honest and great job then use David.”
Ben W.
“David has structured his business to provide extremely low costs. I got a few comps and David was lower price by a wide margin. Will definitely go to David for my next refi!”
Ian B.
“He was able to find the best refinance rate for us and the communication was super clear and efficient. This was the second time he helped us — I highly recommend him.”
Ahmadreza H.
“I had the best mortgage experience ever. David was very professional and genuinely wanted to find the best deal to fit my needs. I ended up saving much more than I thought I could.”
Jovita S.
“He answered all questions, no matter how basic, and walked me through the whole process making me feel totally comfortable in what was for me, an uncomfortable situation.”
Chip C.
“He is very knowledgeable, extremely responsive, and truly a wonderful person who helps you through the entire loan process. We have been recommending him to family and friends!”
Sohayla R.
Credentials
357 S McCaslin Blvd., #200, Louisville, CO 80027
303-444-5251 · david@netratemortgage.com
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