Recommended first step
Schedule a consultation when you want to review goals, estimated payment, cash to close, timing, or possible loan structures before applying.
Schedule CallReady for a full review?
Complete the secure application when you are ready for a detailed preapproval or financing analysis based on your actual information.
ApplyHave a quick question?
Use the Contact page for a quick question, direct phone and email information, or a general inquiry that does not require sensitive financial data.
Email a QuestionCompare the complete offer
A lower advertised rate does not automatically mean a lower-cost or better-fitting mortgage. Review the interest rate and APR when applicable, principal-and-interest payment, estimated total housing payment, discount points, lender credits, lender-controlled costs, cash to close, lock period, and expected time you will keep the loan.
The Consumer Financial Protection Bureau provides a useful guide for comparing Loan Estimates and negotiating mortgage offers.
Personalized mortgage pricing
An advertised interest rate does not tell you the estimated payment, cash needed, closing costs, discount points, break-even period, or whether that option fits your time horizon.
We help you compare the complete structure instead of making a decision from one headline number.
Compare the same loan amount, loan type, term, and approach to points or credits whenever possible. Taxes, insurance, and some third-party costs are not controlled by the lender, so a lower estimate for those items does not necessarily mean the financing itself is cheaper.
No. An online worksheet, rate indication, or early comparison can help with planning, but a Loan Estimate is the standardized disclosure used after you request a mortgage and provide the information needed for that process. The CFPB Loan Estimate explainer shows where to find the loan amount, rate, projected payments, closing costs, and cash to close on the form.
Yes. Mortgage pricing can change with the market and with transaction details. A rate lock is separate from a general quote. The CFPB rate-lock guide explains that a lock applies for a specified time and can still be affected by certain changes to the application or transaction.
Start with the loan purpose, property or price range, expected down payment or equity, approximate loan amount, occupancy, timing, and the payment or cash-to-close goal you are trying to solve. Use the secure application or another approved secure process for sensitive personal and financial information rather than a general email message.
Review offers close together in time and confirm that the basic loan assumptions match. The CFPB comparison guide recommends looking at the loan amount, interest rate, principal-and-interest payment, five-year borrowing cost, points or credits, and costs within the lender’s control.
Schedule a mortgage strategy consultation | Estimate a monthly payment
Initial figures are informational and are not a rate lock, approval, or commitment to lend. Rates, costs, and program availability can change. Personalized terms depend on review of the borrower, property, requested financing, and applicable lender and investor requirements.
A lower house payment starts with the decisions you make before you buy.
When mortgage rates stretch your budget, shopping for a home needs to include more than the asking price. We need to look at how you buy, which property you choose and every meaningful expense that will go into your monthly payment.
Every...
Michael and Melissa are always a pleasure to work with. They are extremely responsive, professional and work hard to get the best loan for us. I would recommend Colorado Mortgage to anyone. Thank you for another great experience!
Milestone Home Mortgage LLC NMLS #2588937. Michael Shotnik NMLS: 218281, CO License: 100017466. Not licensed in Alaska or New York. To check license status of mortgage loan originator, visit D.O.R.A. and NMLS consumer access.
