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.