Our 30 year fixed rate loan today is as low as 6.125%(6.346% APR).
WHY CHOOSE FILO MORTGAGE?
At Filo Mortgage, we are dedicated to providing you a low rate with an industry-leading, first-class experience by leveraging user-friendly technology and a transparent application process.
Around the Clock
We’re here for you 7 days a week, 365 days a year.
Loan Options
Filo Mortgage has an expansive suite of mortgage programs.
Ease-of-Use
We make the entire process easy with our user-friendly technology
Low, Low Rates
Filo Mortgage offers super low rates with no points.
No Lender Fees. Ever.
Your mortgage will be free of lender fees when you work with us.
Close in 3 weeks.
Don’t wait months. Close your loan in 3 weeks.
AMAZINGLY LOW RATES.
Filo Mortgage is proud to offer amazingly low rates to those looking to refinance or purchase a home. We understand that the interest rate on a mortgage can make the difference between your ability to afford a home or not. We also understand the impact a low rate can have on future interest charges.
We leverage digital technology to keep our expenses low which enables us to offer highly competitive rates. Additionally, you can count on Filo Mortgage for full transparency. Our loans have no lender fees, application fees or underwriting fees. We can also close most loans in less than three weeks. Get ready for a whole new mortgage experience
The payment on a $300,000 30-year Fixed Rate Refinance Loan at 6.375% and 60% loan-to-value (LTV) with is $2,595 on a property in the state of Colorado. The Annual Percentage Rate (APR) is 6.531%. The payment on a $300,000 20-year Fixed Rate Refinance Loan at 6.250% and 60% loan-to-value (LTV) is $2,627 on a property in the state of Colorado. The Annual Percentage Rate (APR) is 6.411%. The payment on a $300,000 15-year Fixed Rate Refinance Loan at 6.000% and 60% loan-to-value (LTV) with is $2,951 on a property in the state of Colorado. The Annual Percentage Rate (APR) is 6.324%. The payment on a $300,000 5 yr Adjustable Rate Refinance Loan at 7.490% and 60% loan-to-value (LTV) is $2,891 on a property in the state of Colorado. The Annual Percentage Rate (APR) is 7.614%. The payment on a $300,000 30 year Fixed Rate Refinance Loan (VA) at 5.99% and 60% loan-to-value (LTV) is $2,276 on a property in the state of Colorado. The Annual Percentage Rate (APR) is 6.686%. The payment on a $300,000 30 year Fixed Rate Refinance Loan (FHA) at 5.99% and 60% loan-to-value (LTV) is $2,205 on a property in the state of Colorado. The Annual Percentage Rate (APR) is 7.242%. Payment does not include taxes and insurance premiums. Some state and county maximum loan amount restrictions may apply. We don’t yet have your complete financial picture. Your actual rate and payment could be higher. Get an official Loan Estimate before choosing a loan. Loan approval is subject to underwriter review: not everyone who applies will be approved. The credit score assumption in these scenarios is 780+. These rates are current as of 07/06/2025 at 8:24 AM EST
LOWER INTEREST RATE
GUARANTEED AT FILO MORTGAGE
Get an even lower interest rate at Filo Mortgage.
Meet our New Mascot – The Low (rates) and Fast (closings) Spokesdog
THE BEST LOAN EXPERIENCE YOU’LL EVER HAVE
Forget everything you know about the mortgage process from other companies. Our seamless, transparent process is lightning fast with the visibility throughout the entire cycle to track the exact status of your loan while we work to close your loan.
1
Average number of DAYS to get a loan commitment from Filo Mortgage
12
Average Number of DAYS to close your loan.
7
Average number of MINUTES it takes to complete our loan application.
WHAT OUR CUSTOMERS ARE SAYING
5/5 Star Reviews on Lending Tree, Google and Zillow.
”Filo Mortgage offered the lowest rate and gave me a credit to pay for my closing costs. The application was easy to complete online and my loan closed quickly. Van was very responsive and answered all my questions during the process. I highly recommend Filo Mortgage.
Steve F.REFINANCE
”"Filo was easy to reach, always answered questions and explained things very well. Documents were easy to source and sign. They found us a great rate and minimized costs. Everything was super smooth and went very well. We closed on time and love our new lower payment!"
Margie F.REFINANCE
”The process was so fast and the portal was easy to work with. Being able to review my status and upload documents was incredible, but the representatives at Filo Mortgage kept me in the loop the entire time. This was by far the best experience I’ve ever had.
Joseph N.REFINANCE
WHAT TO EXPECT WITH OUR PROCESS.
Get ready for a loan experience unlike any you’ve ever had. A friendly, responsive representative will help guide you throughout the entire process; from application to funding to anything you’ll ever need beyond. A different way to mortgage by a different kind of mortgage company.
Step1: Application
Complete our easy online application.
Step 2: Disclosure
Review and e-Sign our disclosure forms.
Step 3: Initial Documentation
Submit your documents.
Step 4: Conditional Approval
Receive your loan approval from underwriting.
Step 5: Loan Closing!
A notary comes to your house for closing.
HOW DO I GET STARTED?
Contact us today to get a custom rate quote in less than 2 minutes!
GET A RATE QUOTE
OR, call a loan specialist at 1-800-951-4732.
HOME EQUITY LOANS
Filo Mortgage now offers Home Equity Lines of Credit and closed-end Home Equity Loans. Access up to 95% of your home’s equity and get cash up to $500,000. Use for home improvement, debt consolidation or other large expenses.
GET A RATE QUOTE
