Interest Rates For October 22, 2020
30-yr fixed
2.50%
- Your property may qualify for an appraisal waiver.
- 2.69% Interest Rate/ 2.75% APR
15-yr fixed
2.125%
- Your property may qualify for an appraisal waiver.
- 2.25% Interest Rate/2.36% APR
Questions? Contact Us At 720-370-8880
How Do I Lock-In These Interest Rates?
Request A Quote
You can Request A Quote or click the link below to get started.
We also have the ability to do a soft credit inquiry to verify programs and pricing.
Contact Us By Phone
Talk to one our loan officers and lock your rate over the phone.
720-370-8880
Monday – Friday 8:00 a.m. – 5:00 p.m. MST
Apply Online
For fastest service, you can apply online and a loan officer will reach out to you confirm your interest rate lock.
Request An Interest Rate Quote
See What Our Customers Are Saying…
Ryan Williams
16:29 21 Oct 20
Ryan and his team were great! They were quick to respond to any questions, sent documents to sign promptly and had spot... on estimates. The closing was easy and fast, even in todays environment. Highly recommend for mortgages and refinances.read more
KC kc
19:03 20 Oct 20
I rarely write reviews. Ryan Harris, Kyle, and Brandon were a pleasure to work with. They are knowledgeable and very... efficient in what they do. This is what every customer seeking home financing should experience. Extremely satisfied with the service the team provided!read more
Greg R
16:47 06 Oct 20
Kyle at HomePad is my go to guy (my 2nd refi with Kyle)! a true professional and has always provided timely responses... when I have questions. He gets straight to work and explains what needs to be accomplished each step. Highly recommend their services.read more
Judy Elfving
15:28 25 Sep 20
If I could give 10 stars I would! Ryan went to the mat for us to find an amazingly low rate. Ryan and his team are... efficient, organized and friendly.read more
Vanessa Zimmermann
01:17 18 Sep 20
Ryan and Jacob are AWESOME. They are truly the best. The most excellent customer service throughout our refinance ... process. Thank you Ryan and Jacob :)The Zimmermann’sread more
RouninLet
03:29 04 Sep 20
On behalf of Rich and Barb: Ryan Harris is excellent!! 5+ stars!! Everything discussed was done, he is honest,... accessible, and got us a great refi!!read more
Kendra Crudup
23:51 01 Sep 20
My husband and I worked with Ryan/Jacob and his team and they made buying our first house a breeze. As new home owners... we had a lot of questions/concerns and Ryan always put us at ease and answered our questions. They went above and beyond to make us buying our home a possibility and we truly appreciate it and would recommend them to anyone! Great service, rates, and turn around time.read more
Todd Calvin
01:04 17 Aug 20
I worked with Ryan Harris, Rimington and Brandon on doing a refi for my home. My experience with them was fantastic!! ... They were professional, straightforward and efficient. The process was fairly simple and they made every aspect of the process easy, including arranging for a mobile notary to handle final loan signing at my home. I highly recommend them for any home lending needs you may have.Todd Calvinread more
David Lin
20:43 31 Jul 20
I just wrapped up my refinance with HomePad Lending. Ryan Harris and his brother Rimington, were outstanding. We had an... initial issue with debt to income ratios but Ryan found another lender that was willing to work with us. I couldn't be more happier. I ended up with an additional $375 per month in my pocket thanks to Ryan's persistence. I highly recommend HomePad Lending for all your financing needs. Thank you Ryan and Rimington!!!!read more
lee elton
20:51 21 Jul 20
I had a GREAT experience with Ryan. He was very helpful not in just preparing the quote but in looking out for what... was the best option for my family and me. After the initial quotes he followed up and and was available to answer all of my questions. I would recommend Ryan and HomePad Lending to anyone who is looking to take advantage of the crazy low rates in today's current market.read more
Retro Halloween Decor
19:33 17 Jul 20
Ryan and his team did a fantastic job and were able to give me a lower rate than originally quoted. They responded to... every email and phone call promptly and professionally. Great job!- Zak Bread more
Andrew Gramza
23:24 15 Jul 20
Best home refinance experience ever. Not to mention the fastest with the lowest rates. The cost out of pocket was... extremely low and essentially because Ryan is the best, it was almost zero. Thanks Ryan and team for your amazing communication and hard work! You deserve the best rewards for a job well done. Tarah and Patrick Gramzaread more
Cyndi Dean
19:52 01 Jul 20
There are six Lenders on every corner in the greater Phoenix Metropolitan area and it is tough to filter through to... find the best ones. My husband & I purchased an investment property the first of the year with an absolutely horrible lending experience with a small local lending company, NEVER want to go through that again. Now, several months later, we wanted to take advantage of the extremely low interest rates and refinance our primary residence, but who to use? THANK GOODNESS we found Ryan Harris with HomePad Lending. He answered the phone on the very first call and every call, thereafter, confidently answered every one of our questions without hesitation, quickly provided a pre-qualification, offered the BEST fees and rate, and within 2-weeks we had a clear to closed. We relied on Ryan to lead us through the process, ultimately locked our rate at round 3%, and dropped our monthly mortgage payment by hundreds. Lending is an incredibly competitive market and we were confident Ryan was the right broker to be honest with us and provide a stress free refi experience...I can't say enough that this is exactly what he did. I highly and will always recommend Ryan Harris to help you, my family, friends, and co-workers with home purchase or refinancing needs.read more
John T Dean
19:16 01 Jul 20
IMMENSE KNOWLEDGE, IMMEDIATE RESPONSE, EXCELLENT COMMUNICATION, VERSED EXPERIENCE…If these are important to you and... your home purchase/lending process, then Ryan Harris and his team will be awesome for you. I have been selling real estate for over 20-years and I highly recommend this team to get even the toughest of financing done and done in a timely manner. Ryan provides constant communication with every necessary update to keep my files current with my Broker…never have to ask him twice. Ryan provides our mutual clients with the same communication in every step of their loan process providing ease and comfort, always looking for ways to save home buyers money through the available lending options, he is eager to provide invaluable information helping buyers understand the “why” and “why not’s.” Ryan and his team always go above & beyond and most always deliver on time...EVERY TIME. I highly recommend Ryan Harris with HomePad Lending to help you buy or refinance your primary residence or investment property here in Arizona!read more
Scott Yoshimura
00:26 26 Jun 20
Ryan and Rimington made our refinance a great experience! Ryan was clear and explained everything in our first call. He... provided his best quote off the information provided with no bait and switch or tell me what others are providing and I’ll beat it type of strategy. We spoke with other lenders that couldn’t come close to the rate and cost or told us they would have to talk to their “manager” and if we sent them a loan estimate from another lender they would beat it. Ryan is a straight shooter and stands by his word. When we called to commit going forward the lender cost went up, but Ryan assured us that he would stand by the quote he gave us. In fact when everything was said and done we got the rate we wanted at $1500 less than what he originally quoted in lender costs. Our net cost, with the lender credit, was minimal and we were practically able to refi at no cost. Other lenders will tell you that it is no cost because you finance everything into your loan, but our costs were truly minimal without increasing our loan amount after applying our escrow credit and “skipped” payment back to the principal. Rimington was quick to reach out for necessary documentation, answered questions along the way and helped us to close in 20 days. Overall it was a great experience, with the best financial outcome. Would highly recommend them!read more
Danielle Chinavare
14:57 20 Jun 20
This was my first time getting a home loan. Stewart and his team made the process easy. He took time out each time I... had questions and went into great detail to help me understand things. He was kind, considerate and helpful at each part of the process. I would absolutely use this company in the future.read more
JohnandPatty Ralston
03:07 17 Jun 20
Without a doubt, this was the easiest mortgage refi that we have ever done. We were able to drop our 15 year fixed rate... to 2.5% for minimal fees and HomePad Lending got it all done in only 3 weeks start to finish. Ryan was great to work with and very responsive throughout the process.read more
Chris K
01:14 09 Jun 20
Ryan and his team were awesome. I was really reluctant to refinance, I had an experience in the past with this being a... stressful process.Let me say this was the easiest and most stress free refinance that I have ever experienced. Ryan was up front with the cost and fees and they closed this loan really fast. Less than 20 days...Now in a 15 year with a great rate!!Highly recommendedread more
Carl Couture
21:17 04 Jun 20
Extremely good deal on my interest rate and closing costs. I got multiple quotes and they were the best by far.The... process was totally online, very smooth and supported by a very knowledgeable team who answered all the questions we had. It took less than 3 weeks to closeI would highly recommend HomePad Lending for all your mortgage needs.lread more
Ben & Lisa Rife
23:24 05 May 20
My wife and I can't thank Ryan and his team enough for the easy smooth refinance process Home Pad Lending had done for... us. Ryan and his team was an absolute champion in regard's to the smooth and easy process, question's answered when needed and best advice. They truly took our trust to a awesome level in regard's to them being a truthful and legitimate organization. we will most definitely use them again and truly recommend this company to anyone who needs help buying a new home and / or refinance.read more
Dan Blum
23:10 05 May 20
Interesting...I had talked to Ryan 5 to 6 weeks previously but lender fees much to high so I passed.He called back with... a fee that I could not pass up. However was $100 off quoted fee. He covered amount personally.We talked on phone and used gmail to cover all basis and closed about 3 weeks later. Would definitely use Ryan again and for sure refer him.read more
Krichia Cummings
02:25 05 May 20
Ryan, Rimington, and the team were a pleasure to work with. This was our first home, and after having such a bad... experience with the preferred lender, a co worker referred us to them, and the process became so much easier. They were constantly checking in with us and giving us updates so we felt confident with the entire process, even when things got stressful toward the end. They were a constant advocate and fun to talk to and work with. I would recommend them to anyone 🙂read more
Jett Jousma
20:01 06 Apr 20
Ryan is a BOSS. He followed up each step, made the entire process easy to understand. Precise and concise - and after... calling 5 brokers about refinance it was clear in 15 seconds this is a no nonsense guy you can trust!read more
COREY TURNER
04:30 18 Mar 20
My family's experience was completely painless and actually pretty enjoyable . We'd refer lending pad to anyone with... complete confidence . Can't thank them enough.read more
Estanislao Hurtado III
17:20 17 Mar 20
Ryan and his colleague Jason at HomePad Lending were absolutely stellar! I was so blessed to have my first home buying... experience to go very smooth and as painless as possible. HomePad walked me through the process and answered my questions promptly without making me feel inferior. In addition, what really impressed me the most is it seemed to me they truly cared about me and my family and were focused on putting our best interests first! Thanks Ryan, Jason and all of the HomePad Lending team!read more
Lisa Fontes
03:27 05 Mar 20
The team at HomePad Lending was absolutely awesome! Buying a home has been a dream of mine for years and it was one... that I always thought wouldn't be possible. They worked with me to get all my paperwork together, answered every question I had, got me a great deal on my loan, and helped making my dream into a reality! I'm so grateful for all their help. I can't recommend them highly enough!read more
Barry Wilson
06:18 14 Feb 20
Great team to work with didn’t think a home purchase was possible and within a few hours Ryan had me approved. I was... so impressed I referred 2 coworkers and they have purchased homes with Ryan too. If I ever do it again will definitely contact Ryan.read more
rmoeller13 .
21:42 12 Feb 20
I am completely ignorant of the home buying process. But here I am a homeowner! Thanks to Ryan and his great crew at... home pad lending. I will be passing his number along to anybody interested in being a homeowner. Got me a great rate, and paid nothing out of pocket at closing. If you're looking for a home loan these are your guys.read more
Amy Iacovelli
14:44 11 Feb 20
I highly recommend HomePad Lending. Ryan is an honest and trustworthy individual who always goes the extra mile for... his clients. It is always a pleasure working with Ryan and his team.read more
Tana Smith
17:10 01 Nov 19
I worked with Ryan on refinancing our home after being referred to him by a coworker. I originally began this process... with Wells Fargo, but when they told me their current interest rates I almost fell off my chair. I spoke to Ryan and he was able to provide me with a much lower interest rate. Even though this was the main selling point for me, this is not at all why his is the best person to work with on home loans. My credit score was JUST short of 640, which meant I was going to receive a higher interest rate. He was able to coach me and walk me through what needed to be done in order to increase my score. The process only took a couple of days and we were able to lock in a competitive rate. He made refinancing completely and absolutely simple and we are so thankful for all his help. I will surely recommend him to anyone and everyone that is looking for a home loan.read more