Colorado Mortgage Rates

NetRate Mortgage is a mortgage broker headquartered in Louisville, Colorado. We work with wholesale lenders to get you access to rates and pricing that aren't available through retail banks or direct lenders.

Colorado is our home state — we've been originating loans here since 2013. We know the market, we know the lenders, and we know how to get Colorado borrowers the best pricing available. How mortgage pricing works →

A few things specific to Colorado:

• Loan limits — conforming loan limits vary by county. Boulder, Denver, and many Front Range counties have higher limits due to elevated home values
• Closing costs — Colorado closing costs are moderate compared to other states. No transfer tax on residential property
• Third-party fees — title insurance, escrow, and settlement costs are competitive

What We Offer in Colorado

• Refinance — Rate-and-term, cash-out, no-cost options. The Refinance Playbook →
• Home Purchase — Conventional, FHA, VA
• Reverse Mortgage — HECM and proprietary products. Reverse Mortgage Guide →
• Jumbo Loans — For loan amounts above the conforming limit
• DSCR Loans — Investment property loans qualified on rental income, not personal income
• Bank Statement Loans — For self-employed borrowers who can't document income through tax returns
• Second Mortgages — HELOCs and closed-end seconds

How It Works

Same as anywhere else:

1. See the rates — Check today's Colorado rates. No application, no credit pull.
2. Compare your options — Every rate, every point/credit combination, side by side.
3. Apply when you're ready — We handle everything from application to closing.

We're a mortgage broker — not a bank, not a call center. Why that matters →

Colorado Licensing

• David Burson — NMLS #641790
• NetRate Mortgage LLC — NMLS #1111861
• Regulated by the Colorado Division of Real Estate
• Office: 357 S McCaslin Blvd #200, Louisville, CO 80027
• Verify on NMLS Consumer Access →