Mortgage Tools & Calculators

Important rate disclosures

• Rates as of October 6, 2026 1:36 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).