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No credit pull. No Social Security number needed to check rates. Just rates.
David Burson | NMLS 641790 | 1111861 | 303-444-5251
Rates effective 3/23/2026
Your Scenario
The Rate vs. Cost Tradeoff
Every rate comes with a price. Rates above par come with a lender credit — the lender gives you money to offset closing costs. Rates below par require discount points — you pay upfront to buy the lower rate.
Higher Rate = Lender Credit
Less cash to close. Good if you plan to refinance again in a few years, or want to minimize upfront costs.
Lower Rate = Discount Points
More cash upfront, but lower monthly payment. Good if you're staying long-term. Check the recoup period to see when the savings outweigh the cost.
The "par" rate is where the credit and charge are roughly zero — no cost and no credit. This is your baseline for comparison.
Not Sure Which Rate? Let Us Help.
Tell us about your situation and we'll send you a personalized recommendation with full fee breakdown, cash to close, and savings analysis.
Rates shown are approximate based on today's wholesale pricing and standard loan-level adjustments. Actual rates depend on full credit review, property appraisal, and underwriting. Not a commitment to lend. NetRate Mortgage | NMLS 641790 | 1111861 | 357 South McCaslin Blvd., #200, Louisville, CO 80027
Not ready yet? Set a Strike Rate.
Tell us your target rate — we'll email you the moment it's available. No commitment, no credit pull.
Set your target rate — we'll email you the moment it's available.
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