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 | 7.000% | 7.016% |
+ points, lender credits, and monthly payment for each
780+ FICO · $400K · Purchase · 10/28/2026
Representative conventional rates
Representative options before your scenario — your exact rate depends on your details.
- 7.000%Rate7.016%APR$1,683 lender credit$2,661/mo principal & interest
- 7.125%Rate7.125%APR$3,477 lender credit$2,695/mo principal & interest
- 7.250%Rate7.250%APR$4,848 lender credit$2,729/mo principal & interest
Source: disclosed lender rate sheet, generation 5e9f3dce-fcc9-4768-98c7-a95962defdc7, effective 2026-10-28.
Important rate disclosures
- Rates from the lender rate sheet dated October 28, 2026, shown since October 28, 2026 1:26 PM MDT. Updated at least once each business day 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 single-family primary residence in Colorado, 25% down (75% LTV), 780 FICO credit, 30-year fixed-rate conventional, 30-day rate lock — 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 or equity, 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-v2) and disclosure text (rate-display-disclosure v1.2.0). Reg Z §1026.24 · MAP Rule (12 CFR §1014).
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