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Home Mortgage Specialist
Lowest Home Loan Rates in CO
Trusted By
19,333 Customers
Number #1
in Colorado
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What is the Right Mortgage for Me?

Whether you’re a first-time homebuyer or looking to purchase your next home, 5280 Mortgage™ Loan Services will work with you every step of the way to help you find the right home mortgage that meets your specific financial goals.

Found your dream home?

Here are some great reasons to work
with 5280 Mortgage™:

Not all applications will be pre-approved.

  • Low, everyday rates
  • Conventional, FHA, VA, Jumbo and flex-term options available
  • A number #1 lender in Denver Co.
  • A publicly traded, national lender with more than 3,500 employees
  • Connect with Home Captain real estate services, a network of 32,000+ REALTORS®
  • Close on Time Guarantee*
  • Better Rate Guarantee*

Mortgage Loan Options

It’s important to have the right partner when you’re ready to buy a new home and 5280 Mortgage™ offers a wide range of financing options to suit a variety of needs. Whether you’re looking for a loan for a primary residence, second/vacation home or investment property, we will work through your complete financial picture to find the right option for you. Which one of these products sound like the best fit for you:
Why should I choose 5280 Mortgage™?

We service the loans we originate — While other lenders may be looking to sell your loan as soon as you sign the dotted line, 5280 Mortgage™ is dedicated to being a lender you can trust far beyond your closing date. When you originate a loan with 5280 Mortgage™, we’ll service your loan because we value your trust and decision to choose us.

No expensive brick-and-mortar retail offices — We believe in passing on the savings to our customers with some of the lowest, most competitive rates and fees available today. Home loans are the primary focus of our business, not upselling you and adding services you don’t need.

We’re committed to being your partner in homeownership — Being a 5280 Mortgage™ customer means having a partner that never stops looking for ways to save you money and help fulfill your dream of homeownership.

Resources & Tools

Get a Customized Rate Quote

Tell us the type of loan you’re looking for and we’ll quote you a rate and estimate your monthly payments. When you like what you see, get pre-approved with 5280 Mortgage’s BuyerAdvantage Pre-Approval or apply online using our Mortgage Access Center (m.a.c).

Refinance Loan Calculators

Use today’s rates to get a better understanding of the true cost of different mortgage products before chatting with one of our licensed loan officers.

Mortgage Learning Center

We’re always adding new articles and resources to our Learning Center to help provide you with unbiased, useful mortgage information on a wide range of topics.

Home Value Estimator

Get a report on the estimated value of your home that provides two estimated market values from leading providers.

Real Estate Concierge Service

Selling your home? Buying a new home? Get your free Home Captain Consultation.

Frequently Asked Purchasing Questions

Should I buy a house?

Whether or not to buy a home is one of the most important financial decisions an individual or family is faced with. The decision has more to do with your financial planning than it does with constantly fluctuating market conditions. The first step towards determining if it is a good time to buy a home is to speak with a licensed loan officer and learn more about all your options. Once you know what kind of house you can afford and what kind of commitment is required, you can compare it against other options, like renting, and make the decision that makes the most sense for you. Check out this article for a deeper look at the pros and cons of buying a home versus renting.

How much house can I afford?

Before determining what list price to target in a new home, you first must understand how much you’re comfortable spending on housing per month. A common rule of thumb is to earmark 28% of your post-tax income for house payments, including your homeowner’s insurance and property tax. For example, if your annual income after taxes is $60,000, 28% of that is $16,800, or $1,400 per month. However, every situation is different. It’s important to look at all your current and future financial obligations and make the right decision for your unique situation.

We’ve made doing the math a lot easier for you. Check out our helpful Home Affordability Calculator to assess your debt-to-income ratio, down payment, loan amount and your mortgage payment — all at once! Then, use our Customized Rate Quote tool to see current mortgage rates and your estimated monthly payment.

Will I be turned down for a loan if I’ve had credit problems?

Not necessarily. Your credit score is only one of the factors taken into consideration when you apply for a home loan. We also review your employment history, income, debt and cash reserves. There are also different kinds of loan products that have varying requirements for your credit history.

How long does the home loan process take?

Every home loan situation is different, so it’s difficult to accurately estimate how long your home mortgage process will take. Some of the factors that affect the timeline include the type of loan, the specific term you’re requesting, the amount of required documentation and the time it takes to provide your lender with those documents. Luckily, you’re never alone in the process with 5280 Mortgage™. Our loan officers and processing specialists will work with you every step of the way to ensure that your application is processed as efficiently as possible.

What documents will I need to apply for a mortgage?

Traditional loans usually require documents that verify your employment, income, and assets, and may include:

  • Your Social Security number
  • Pay stubs for the last two months
  • W-2 forms for the past two years
  • Bank statements for the past two or three months
  • One to two years of federal tax returns
  • A signed contract of sale (if you’ve already chosen your new home)
  • Information on current debt, including car loans, student loans and credit cards

When can I lock my interest rate, and what will it cost me to do so?

There is no way to know how interest rates will fluctuate so it’s generally a good idea to lock a rate when you find a loan product that is in line with your financial goals. To prevent getting a higher rate, you can lock the rate, and even the points, for a specified period. Fees may apply, but not always. If rates go down, you still have options but locking a rate will at least protect you from rising rates.

What are closing costs?

Mortgage closing costs are fees charged for services that must be performed to process and close your loan application and they may vary depending on a variety of factors. Examples of mortgage closing costs include title fees, recording fees, appraisal fees, credit report fees, pest inspection, attorney’s fees, taxes and surveying fees. The closing cost of a loan will vary depending on your geographic location and the requirements of the loan product.

Lenders are required by law to provide you with your Loan Estimate and the Closing Disclosure to outline your closing costs and help you avoid surprises at the closing table. Your loan officer can answer any questions you have about the different closing costs associated with 5280 Mortgage’s mortgage products and what options you may have for minimizing your up-front costs.

Does the loan have any prepayment penalties?

Prepayment penalties are rare in today’s mortgages. If you manage to pay off a 30-year fixed-rate mortgage in only 15 years, you come out ahead financially because you’ve reduced the amount of interest paid on the loan. Get more info on Early Payoff Options.

What is the minimum down payment required for a home purchase loan?

While 20% may be the most common down payment requirement for most conventional loans, some products, like FHA loans, require down payments as low as 3.5%. Be sure to weigh all your costs though since loans with lower down payments can often cost more over the life of the loan.

Do I have to pay for mortgage insurance, and how much will this cost?

Often loans that require less than 20% down on your purchase requires paying mortgage insurance until your loan-to-value, or LTV, ratio falls below 80%. Mortgage insurance premiums can vary some costing up to $100 per month for every $100,000 borrowed.