Will I receive mortgage rates and fees in writing?
Yes. Before a complete application, Denver Lending can explain likely cost categories and compare realistic scenarios, but early figures are preliminary. After you apply, the lender generally must provide a standardized Loan Estimate within three business days. That document shows the estimated interest rate, monthly payment, total closing costs, and cash to close.
We review the Loan Estimate with you and separate lender-controlled charges from taxes, insurance, prepaid interest, escrow deposits, and other third-party costs. That makes it easier to compare offers using the same loan amount, property, down payment, lock status, and timing.
Primary guidance: CFPB Loan Estimate guidance · CFPB loan-offer comparison guide
The advertised rate is only one part of the price
Mortgage pricing can include points, lender credits, origination charges, underwriting or processing costs, lock terms, mortgage insurance, and third-party charges. Two offers with the same interest rate may have meaningfully different cash requirements and long-term costs.
Our loan-option review places rate, payment, cash to close, lender charges, and expected holding period side by side. We also discuss the break-even point when paying points or accepting a higher rate for a lender credit.
Which closing costs can change?
Some costs generally cannot increase after the Loan Estimate, some are subject to a combined tolerance, and others can change because the lender does not control them. A valid change in circumstances can also permit a revised Loan Estimate.
We explain which figures are fixed, which are estimates, and what could cause a change. If the final numbers differ, ask for the specific reason and compare the updated disclosure with the original before closing.
Primary guidance: CFPB guidance on changing mortgage costs
Bring us another lender's Loan Estimate
Denver Lending is happy to review a competitor's Loan Estimate. We explain material differences and identify whether the offers are actually comparable. If another offer better fits your stated goal, the comparison should make that clear rather than hide it.
Not every lender or program is available for every borrower, property, or transaction. A useful comparison accounts for documentation, property eligibility, reserves, timing, and the complete cost—not just the headline rate.
Annual reviews keep the strategy current
The mortgage decision does not end at closing. Denver Lending offers annual mortgage reviews to discuss equity, mortgage insurance, refinance opportunities, future purchases, and changes in financial goals.