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.
Bring us another lender's Loan Estimate
Denver Lending is happy to review a competitor's Loan Estimate. We will explain material differences and identify whether the offers are actually comparable. If another offer is better for your stated goal, the conversation should make that clear rather than hide it.
Denver Lending uses a pricing engine that can compare approximately 70 lending sources and currently maintains approvals with 24 lenders. Not every lender or program is available for every borrower, property, or transaction.
About potential closing-cost savings
Based on Denver Lending's experience comparing offers, borrowers may sometimes see approximately $2,500 in closing-cost advantages versus another lender. That is a historical experience—not a promise, average guaranteed savings, or assurance that Denver Lending will beat every offer.
Actual rates, credits, costs, and savings vary with market conditions, loan size, credit, property, program, lock timing, compensation structure, and the competing offer. A valid comparison requires reviewing disclosures for the same scenario and time period.
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. The team also hosts three client-appreciation events each year to stay connected beyond the transaction.