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How Home Purchase Mortgage Rates Work

by US Mortgages / May 1, 2026

The difference between a 6.5% rate and a 7.0% rate can cost you hundreds each month and tens of thousands over the life of a loan. That is why home purchase mortgage rates matter so much when you are buying a home. They do not just affect whether you qualify. They shape your monthly payment, your...

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FHA Loan Requirements in Colorado: A Guide for Homebuyers

by US Mortgages / April 18, 2024

Buying a home can be an exciting yet daunting experience, especially when it comes to navigating the mortgage process.

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7 Crucial Advantages of Opting for an FHA Loan in Colorado

by US Mortgages / April 15, 2024

Colorado's vibrant culture, stunning landscapes, and booming economy make it a desirable place to live. Still, homeownership can be difficult since, in this state, 1 in 3 homes are sold over the asking price. An FHA loan with Federal Housing Administration backing offers hope to many prospective...

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Important Advice for Dealing with a VA Loan Specialist in Denver

by US Mortgages / September 21, 2023

When securing a VA loan in Denver, proper guidance is essential. A VA loan specialist can be your greatest ally, ensuring you maximize your benefits as a veteran or active-duty service member. Take this advice for a successful partnership with your VA loan specialist in Denver:

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3 Crucial Advantages of Opting for an FHA Loan in Denver

by US Mortgages / September 6, 2023
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Home Purchase Mortgage Calculator Basics
May 2, 2026
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How Home Purchase Mortgage Rates Work
May 1, 2026
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FHA Loan Requirements in Colorado: A Guide for Homebuyers
April 18, 2024
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7 Crucial Advantages of Opting for an FHA Loan in Colorado
April 15, 2024
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Important Advice for Dealing with a VA Loan Specialist in Denver
September 21, 2023
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US Mortgages BBB Business Review
© 2025 US Mortgages. All rights reserved. Max loan size for a conventional loan is $806,500 and min loan size is 125k. 5.75% 30y fixed rate has an APR of 6.75 (which includes mortgage insurance) based on 500k loan, 740 score and for owner occupied properties only. No lender fee special, requires min loan size of 300k or a previous customer of USM and part of our Lowest Rate for Life program. Eligible loans must meet conventional or FHA/VA requirements. Not all applicants will qualify. "Lowest Rate for Life" program requires borrowers to maintain good credit and verifiable employment. Loans must be eligible for FNMA, FHLMC or GNMA delivery and all loans require to be underwritten and acceptable by at least one of the federal agencies. On any future loan completed by US Mortgages borrowers will not be charged for any lender fees, including the cost of appraisal up to $600. There is not a limit to the number of loans the borrower can complete under this program, however the interest rate must be dropped by at least 1/2% over their current rate to ensure borrowers receive a net tangible benefit and a minimum of 6 payments must be made on the current loan to be eligible. Purchase Loans and our unique Grant money down payment is limited to owner occupied properties only. Borrowers must make at least 6 payments on the loan in order for the Grant Money to be forgiven. Min FICO for Grant Money is 620. Property types (condo, townhome, SFR) are acceptable. 2 unit owner occupied homes are also acceptable. Income restrictions do apply and are limited to 140% of areas average median income. All loans subject to approval and change Equal housing Lender Lic #392126 Govt ID 25955-00000