What are quoted vs. real rates? There are two types of mortgage rates: quoted and real. Quoted rates are meaningless. Click here to learn more.

Shopping Around? To ensure you have a real rate, always have the lender send you three things:

1. A copy of the complete mortgage application (the 1003).
2. A good-faith estimate (GFE).
3. The initial truth-in-lending (TIL) document (focus on the APR).

If a lender won't send you these three things, it should raise a red flag that the rate they quoted you isn't your real rate.

Our mortgage specialists will give you a real rate and the three things you need to verify that it's real.

7 Reasons Why Colorado Federal Bank Wins

1. We're Not Going Anywhere: Many people are worried about finding a lender that will be here next month. Don't worry. We're an FDIC insured federal savings bank, and we're not going anywhere.

2. Mortgage Bank: We're a bank that specializes in mortgage loans, and we have hundreds of niche loan programs available so that you get the best loan for your specific needs.
3. Everything Done In-House: This makes the process much quicker and more streamlined.
4. No Fee Option: Keep more cash in your pocket.
5. Fast Approvals: Our automatic-approval system allows you to get a loan approval letter the same day which you can give to your real-estate agent and start shopping for a home.
6. On-Time Closings: We guarantee that we'll close your loan by your closing date, or we'll pay you $300.
7. Federally Regulated: You can plan reliably knowing that our rates are real and accurate.