What We Do
NetRate Mortgage is an independent mortgage broker. We don't lend our own money — we shop across wholesale lenders to find you the best rate and terms. Here's what that looks like in practice.
Refinance Your Mortgage
Refinancing made up 54% of our loan volume in 2025. It's what we do most, and we're good at it.
Whether you want to lower your monthly payment, shorten your loan term, or tap your home equity for cash, we'll run the numbers across our lending partners and show you which option saves you the most.
What we'll show you
- Your new rate vs. your current rate
- Monthly payment difference
- Total closing costs
- Break-even timeline (how many months until the savings cover the costs)
- Cash-out amount (if applicable)
Not sure if it's worth it? Use our rate tool to check current pricing for your scenario, or reach out for a no-commitment comparison.
Check Refi Rates →Home Purchase Financing
Buying a home? We'll give you a rate, a payment, and a closing cost breakdown — without the sales pitch.
We work with buyers who do their own research and want to know the numbers before committing. You won't get follow-up calls you didn't ask for. You won't get pressured to apply. You'll get clear information and a direct answer to “what will this cost me?”
What we'll show you
- Rate options across multiple lenders
- Monthly payment (principal, interest, taxes, insurance)
- Down payment scenarios (3%, 5%, 10%, 20%)
- Closing cost estimate
- Pre-approval letter (when you're ready)
Loan Programs We Offer
Conventional
As low as 3% down
Standard financing for qualified borrowers. Best rates for 720+ credit.
FHA
3.5% minimum down
Lower credit or down payment requirements. Credit scores down to 580.
VA
0% down
Active military, veterans, and eligible spouses. No PMI, competitive rates.
Jumbo
Down payment varies
Loan amounts above conforming limits. We funded loans up to $1.2M in 2025.
All programs available for purchase and refinance. Rate and terms depend on your specific scenario — check the rate tool for current pricing.
Where We're Licensed
We're currently licensed and originating loans in:
Colorado
Our home state and primary market. 92% of our 2025 volume.
Texas
Active and growing. LLC registration in progress for 2026.
Oregon
Licensed and lending.
California
Licensed and lending.
We're an independent broker, not a national bank — we add states where we can genuinely serve borrowers, not just plant a flag.
Want to talk through your options?
We'll give you a straight answer — whether that's “refinancing saves you $400/month” or “honestly, it doesn't make sense right now.”