Low Rates | Local Service | Great Programs

• No Application Fees
• Conventional, FHA, VA, USDA
• Honesty & Integrity

FHA 30 Year

  • 3.25% Rate
  • 4.583% APR
  • No Lender Fees

FHA 15 Year

  • 3.25% Rate
  • 4.165% APR
  • No Lender Fees

Conv 30 Year

  • 3.875% Rate
  • 4.032% APR
  • $750 Lender Fee

Conv 15 Year

  • 3.25% Rate
  • 3.37% APR
  • $750 Lender Fee

USDA 30 Year

  • 3.375% Rate
  • 3.921% APR
  • No Lender Fees

VA 30 Year

  • 3.25% Rate
  • 3.420% APR
  • No Lender Fees

Our current Colorado mortgage rates for residential purchase & refinance loans. Rates DO NOT have any origination or buy down points. Quote is based on $350,000 purchase price, 720 credit score, owner occupied. *Conventional APR is based on 20% down payment. If less than 20% down payment(purchase) or less than 20% equity(refinance), mortgage insurance will apply which will impact the APR of the loan* Please contact us for a detailed quote.

Loan Type              Rate APR Lender Fees
FHA 30             3.25% 4.583% $0
FHA 15             3.25% 4.165% $0
Conv 30             3.875% 4.032% $750
Conv 15             3.25% 3.375% $750
VA 30             3.375% 4.083% $0
USDA 30             3.25% 3.420% $0

Current mortgage rates based on $350,000 purchase price, 720 credit score, owner occupied, US Citizen or Perm Resident alien. Please contact us for credit scores below 720 or other programs.

local Denver mortgage company

Local Service

Our office originates residential mortgages exclusively in Colorado! We strive to exceed customer expectations and always work diligently to close loans in a timely manner. 

Low Rates

We offer incredibly low interest rates and minimal fees. We’re able to pass down wholesale rates that we receive from our investors to our clients. 

mortgage programs

Loan Programs

We offer Conventional, FHA, VA, USDA, debt consolidation and loans for self-employed borrowers.. Visit the Mortgage Programs page to compare loan options.

mortgage technology

Technology

Our automated underwriting system let’s us issue pre-approvals in a matter of hours. Clients can Esign documents from the comfort of their home or office.

» Extremely Competitive Rates
» No Application Fees (Never any up-front fees) / 24 Hour Pre-Approvals
» Always close in 30 days or less
» We Work With Lower Credit Scores (580+)
» Flexible Loan Programs (Fannie Mae, Freddie Mac, FHA, VA, USDA)
» Bank Statement Program for Self Employed Borrowers (No tax returns or 1099’s)

 

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» 85% Conventional Cash out, 85% FHA Cash out, 100% VA Cash out
» No Application Fees (Never any up-front fees)
» No Closing Costs Available (No lender fees, No title fees)
» We Work With Lower Credit Scores (560+)
» Flexible Loan Programs (Fannie Mae, Freddie Mac, FHA, VA, USDA)
» Local Friendly Service (Always here to answer your questions & concerns)
» Bank Statement Program for Self Employed Borrowers (No tax returns or 1099’s)

 

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Extremely low rates plus a no closing costs option! Purchase a home with as little as 3% down. Cash-out refinance up to 85% of your home’s value. Credit scores down to a 620. 

 

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The most competitive FHA rates in Colorado and very flexible qualifying. Purchase a home with only 3.5% down payment. Cash-out Refinance up to 85% of your home’s value. Credit scores down to 580.

 

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Refinance your home to pay of high interest rate credit card debt, student loans or just get cash to remodel your home. Easily save $500 to $1000 a month. 

 

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Qualified active military personnel and veterans and can purchase a home with zero down payment. VA offers 100% financing with incredible interest rates. Cash-out refinance up to 100% of your home’s value.

 

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Purchase a rural home with zero down using a USDA loan. This is a 100% financing for properties located in rural areas of the State.

 

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What Are Clients Saying...

Richard B.

“My wife and I just completed a reverse mortgage with Igor Drake of Trust Home Loans. Our experience working with Igor was outstanding.
He is the consummate professional !!! I would encourage anyone seeking a mortgage loan to use his services. You will not be disappointed.”

Nadine C.

“My family & I had a phenomenal experience with Trust Home Loans. Igor & Brandy are our miracle workers. They were professional, quick to communicate, smart, but most importantly, integrity & honesty matters to them. They kept us informed every step of the way and helped us close on our home!! HIGHLY recommend!”

Trust Home Loans