# Introducing Wealthfront Home Lending ## Get a mortgage rate as low as 5.265% | 5.408% APR Clear rates upfront Easy online process No sales calls or spam [Estimate your rate in < 1 min](/content/home-lending/mortgage-rates?zipCode=80204/index.html) Rate quote based on a single-family, primary home in Denver, CO, 30-year fixed with a $750,000 purchase, 25% down, 780+ FICO and 2 points ($11,250) as of April 18th, 2026. Individual rates vary. ## See how much you could save with a lower rate A rate that's ~0.50% below the national average* can lead to big monthly and annual savings—and even more over the life of your loan. | Loan amount | $400K | $600K | $800K | | ----------- | ----- | ----- | ----- | | Est. Monthly Savings | $129 | $193 | $258 | | Est. Lifetime Savings | $46,397 | $69,595 | $92,794 | [Estimate your rate](/content/home-lending/mortgage-rates?zipCode=80204/index.html) Interest savings as compared to the national average mortgage rate. Check our math. ## It was time to renovate the mortgage experience The traditional mortgage process runs on sales calls, manual steps, and “rate-and-switch” teasers—none of which help you save money. We designed a better way. ### Get a low rate, faster Our streamlined application process keeps rates low and delivers results fast. Get a personalized rate quote and an editable pre-approval letter, lickety-split. ### A fully online, self-serve app Apply, upload documents, and complete tasks entirely online. No sales calls or admin ping-pong—so you can move at your pace. ### Easily compare your options See your estimated monthly payment, closing costs, and rate options clearly before you commit. Compare and decide what works best for you—not what a loan officer pushes. [Estimate your rate](/content/home-lending/mortgage-rates?zipCode=80204/index.html) ## Already a homeowner? See what a refinance could unlock. Besides saving thousands on your mortgage with a rate that's ~0.50% below the national average,* a refi can help you redesign your mortgage to meet your current financial needs. We make it easy. ### A lower rate and lower payments A lower rate reduces the interest charged on your loan—which can lower your monthly payment and the total interest you pay over time. ### New loan terms Shorten your loan to pay off your home faster, extend to lower your monthly payment, or switch between an adjustable-rate and fixed-rate mortgage. [Estimate your rate](/content/home-lending/mortgage-rates?loanType=refinance&zipCode=80204/index.html) ## Recently closed in Kingsburg, CA San Francisco, CA Broomfield, CO Buena Vista, CO Castle Pines, CO Castle Rock, CO Denver, CO Englewood, CO Erie, CO Estes Park, CO Highlands Ranch, CO Lakewood, CO Longmont, CO Dallas, TX Fredericksburg, TX Spring, TX ## Real humans on standby Have questions? Get support from our dedicated team of experienced loan officers and product specialists. 1.4M+ Trusted clients $95B+ In client funds 4.8★ Apple App Store 4.9★ Google Play Store ## Your mortgage questions, answered ### See your rate in seconds Our rate calculator helps you see what your loan could cost before you apply. Today's purchase rates in Denver, CO 5.265% 5.408% APR [Estimate your rate](/content/home-lending/mortgage-rates?zipCode=80204/index.html) How do you keep your mortgage rates low? Unlike traditional lenders, we use automation and a streamlined digital experience to operate more efficiently and pass that value on to borrowers through lower rates. Do I need to apply to see my rate? No. Unlike many traditional lenders, you don't need to fill out a full application or speak with a loan officer just to see your rate. You can get an instant, personalized rate estimate and monthly payment online. No commitment and no hard credit check required. Can I apply with a co-borrower? Yes. You can add a co-borrower and collaborate throughout the application process. Both of you can upload documents, track progress, and stay aligned in one shared experience. What if Wealthfront Home Lending isn't available in my state yet? Financing in Colorado is available to all Wealthfront clients, with Texas and California coming soon. You can [join the waitlist](/content/home-lending-waitlist/signup/index.html) to be the first to know when we expand to new states. Do I need a Wealthfront account to join? Yes. You'll need to open and fund any one of our Wealthfront accounts to gain access to Home Lending. You can [get started for just $1](/content/start/account-type/index.html). What types of loans do you offer? We offer Conventional and Jumbo loans (up to $5M) with fixed or adjustable rates (ARMs), term lengths from 10 to 30 years, and down payment options as low as 3%. Our loans are available for both purchasing and refinancing. Do you require a hard credit check? No, not to see your rate estimate. Your rate estimate is based on the credit score you enter yourself, so we don't run a credit check at that stage. If you decide to move forward with pre-approval, we'll run a soft credit check with your permission. A soft check does not impact your credit score. A hard credit check only happens later in the process, if you choose to submit a formal mortgage application and move forward. We'll always do that with your permission. ### See your rate in seconds Our rate calculator helps you see what your loan could cost before you apply. Today's purchase rates in Denver, CO 5.265% 5.408% APR [Estimate your rate](/content/home-lending/mortgage-rates?zipCode=80204/index.html)