Terms & Conditions 

Rates, discount points and terms are based on an evaluation of each applicants credit history, loan-to-value (LTV), occupancy, payment type, loan amount and loan purpose, so your rate and terms may differ. All loans are subject to credit approval. Questions? Please contact Select Rate Home Loans at 1-720-341-3355 or visit www.goselectrate.com

Jumbo Loans: Loan amounts greater than $625,000. The Jumbo rates quoted above are for loan amounts above $625,000 up to $3,000,000.

Jumbo Properties: The minimum down payment for Jumbo loans are 20%.  You can also do a 80%, 10%, 10% Loan Option

Any refinance mortgage where the proceeds will be used to pay any debt other than debt used in the purchase of the home is considered a cash-out refinance. Additional discount points will apply to cash out loans, which are based on credit history and loan-to-value. Cash Out Refinance is not allowed on Interest Only Conforming or other products.

Loans with subordinate financing and loans secured by condominium properties may require additional discount points. Conforming loans secured by 2 unit properties or manufactured homes are also subject to additional discount points.

Payment Example

• Rates and terms are based on an evaluation of each member's credit history, loan-to-value (LTV), occupancy, payment type, loan amount, discount points and loan purpose, so your rate and terms may differ.
• Rates quoted above are assuming $0 Discount Points and $0 Origination Fees.
• Adjustable rate mortgages are variable, and your APR may increase after the original fixed-rate period.
• Mortgage Loan payment example: A sample principal and interest monthly loan payment on a $250,000 fixed-rate loan at 4.125% Rate for 30 years is $1,211.63 P&I. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.
• Rates are subject to change—information provided does not constitute a loan commitment.