See real mortgage rates before you apply.
Most lenders make you fill out an application before they show you numbers. We show you rates first — with the math behind them.
| Product | Rate | APR |
|---|---|---|
30-Yr Fixed Conventional | 7.250% | 7.283% |
+ points, lender credits, and monthly payment for each
780+ FICO · $400K · Purchase · 10/1/2026
Representative conventional rates
Representative options before your scenario — your exact rate depends on your details.
- 7.250%Rate7.283%APR$1,080 lender credit$2,729/mo principal & interest
- 7.375%Rate7.375%APR$3,264 lender credit$2,763/mo principal & interest
- 7.500%Rate7.500%APR$4,640 lender credit$2,797/mo principal & interest
Source: disclosed lender rate sheet, generation b1df8b93-701b-43c5-9f36-c748f83646a1, effective 2026-10-01.
Important rate disclosures
- Rates as of October 1, 2026 3:43 PM MDT. Updated at least once daily and subject to change without notice as the market moves.
- The rates shown are representative rates compiled by NetRate Mortgage for our licensed states, based on these assumptions: a $400,000 first-lien purchase loan on an owner-occupied primary residence single-family in Colorado, 25% down (75% LTV), 780 FICO credit, 30-year fixed-rate conventional — each rate is shown with its accompanying discount points or lender credit. Your actual rate and terms depend on your scenario — loan amount, property type and use, down payment, credit, and other factors — and may differ from the rates shown.
- Each rate is shown with its Annual Percentage Rate (APR), the cost of credit as a yearly rate including certain fees. Compare loans using the APR.
- Mortgage rates change frequently with the market and may be higher or lower by the time you apply or lock a rate.
- This rate information is for illustration only. It is not an offer, commitment, or approval to extend credit, and it is not a Loan Estimate. Your available rate and terms are confirmed only after you apply and we review your specific situation.
- To confirm the rate and terms available for your scenario, contact NetRate Mortgage at 303-444-5251.
- NetRate Mortgage LLC is a licensed mortgage broker, NMLS #1111861.
- Any monthly payment shown is principal and interest only for the stated loan amount and term; it excludes taxes, insurance, and other amounts, so your total monthly payment will be higher.
- NetRate Mortgage is licensed in CA, CO, OR, and TX; displayed rates and loan availability are limited to these states.
Assumptions (band-scenario-v1) and disclosure text (rate-display-disclosure v1.0.0). Reg Z §1026.24 · MAP Rule (12 CFR §1014).
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