# 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 | Est. Monthly Savings | Est. Lifetime Savings | |-------------|----------------------|----------------------| | $400K | $129 | $46,397 | | $600K | $193 | $69,595 | | $800K | $258 | $92,794 | [Estimate your rate](/content/home-lending/mortgage-rates?zipCode=80204/index.html) ## 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. [Contact us](/content/contact-us/index.html) ## 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.