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Mortgage Rates: ColoradoHomeLoans.com and Academy Mortgage is a "mortgage banking" operation. While we may "broker" the occasional loan, there is a distinction between these two types of loan origination that you should be aware of. "Mortgage bankers" approve your loan in house and lend their own money to facilitate your loan's closing. However, "mortgage brokers" merely pick an investor to send your loan to. The investor then approves your loan and provides their funds at your closing. So why is this important? Because we make our own decision and use our own funds, mortgage bankers have something called "buy back" liability. If the final investor doesn't like the decision we made, they can force us to "buy back" your loan. The reason that is important to you is because this means mortgage bankers get better pricing from the same investors, than mortgage brokers do in general. It also means we can be more responsive to changes you may want to make to your loan structure, and close your loan in a shorter time frame. In a world where real estate transactions can take many different twists and turns – it pays to deal with the source of your loan directly!

The rate quotes listed below are the current average price in each program category. Keep in mind that there are a myriad of factors that go into getting you the best quote for your circumstances. If you have very high credit scores, your rate may be substantially better than the rates listed below. So e-mail, contact us, or make an application today and let us do the shopping for you!

If you are interested in receiving more information about our services please let us know. If you feel that you meet the requirements for our loan program and you wish to apply for a loan online please visit our loan application page. If you wish to apply via fax/phone, please vivit our contact page and we will follow up with the information that you have requested.


Interest Rate data for Friday February 3, 2012
Conv 30yr fixed
* 3.875% (Loans up to $417,000), APR 4.0%
Conv 5/1 ARM

* 2.875% (fixed for 5 yrs, then adjusts) APR 3.03%

Conv 3/1 ARM
* 2.875% (fixed for 3 yrs, then adjusts), APR 3.02%
Jumbo 30yr fixed
* 4.625% (for loans up to $900,000), APR 4.75%
Jumbo 5/1 ARM * 3.375% (fixed for 5 yrs, then adjusts) APR 3.12%
FHA/VA 30yr fixed * 3.75% APR 4.625%
FHA 1yr ARM * 2.875%, APR 3.12% (Fixed for the first 5 years)
Flex 97 4.375%, APR 6.0%

* Rates and terms are subject to change without notice. All quotes shown assume 740+ FICO, 0% discount (points), and 0-1% origination. Equal Housing Opportunity Lender. We have many other products to choose from. Please call 303-674-0201 with any specific loan request and ask for Dan Smith!
*Rates are posted Monday through Friday during the week. Holidays and weekends are excluded. If you choose to have your loan initially serviced by a particular investor, you may limit the rate quote we can shop for to that investor. In addition, ColoradoHomeLoans.com cannot guaranty that the investor will retain servicing throughout the life of your loan.
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