Introducing Wealthfront Home Lending
Get a mortgage
rate as low as
5.443% | 5.587%APR
Introducing Wealthfront Home Lending
Get a mortgage
rate as low as
5.443% | 5.587%APR
Clear rates upfront
Easy online process
No sales calls or spam
No email, phone, or credit check
Rate quote based on a single-family, primary home in Denver, CO, 30-year fixed with a $750,000 purchase, 25% down, and 2 points ($11,250) as of April 6th, 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
Est. Lifetime Savings
Interest savings as compared to the national average mortgage rate. .
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.
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.
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Real humans on standby
Have questions? Get support from our dedicated team of experienced loan officers and product specialists.
Contact us
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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
5.443%
5.587%
APR
Rate quote based on a single-family, primary home in Denver, CO, 30-year fixed with a $750,000 purchase, 25% down, and 2 points ($11,250) as of April 6th, 2026. Individual rates vary.
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.
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.
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.
Financing in Colorado is available to all Wealthfront clients, with Texas and California coming soon. You can join the waitlist to be the first to know when we expand to new states.
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.
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.
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
5.443%
5.587%
APR
Rate quote based on a single-family, primary home in Denver, CO, 30-year fixed with a $750,000 purchase, 25% down, and 2 points ($11,250) as of April 6th, 2026. Individual rates vary.
Wealthfront Home Lending, LLC | NMLS 2358115 | NMLS Consumer Access | 833-523-3673 | 90 New Montgomery Street, Suite 1450, San Francisco, CA 94105
Home loan availability will be subject to credit approval and applicable state and federal licensing requirements. Rate availability depends on borrower qualification, loan terms, and market factors. Not all applicants will qualify for the lowest advertised rate. This communication is for information purposes only and does not constitute a solicitation for a loan or an offer to lend or extend credit. Equal Housing Lender.
*Rate comparison based on Freddie Mac Primary Mortgage Market Survey® average for 30-year fixed-rate mortgages as of April 2nd, 2026. Rate available to qualified borrowers meeting the following criteria: 780+ FICO score, $750,000 purchase price, primary single-family residence in Austin, TX, 20% down payment, and payment of 1 discount point. Actual rates may vary. APR and additional terms apply. Not all borrowers will qualify.
Wealthfront Home Lending, LLC is an affiliate of Wealthfront Advisers LLC, an SEC-registered investment adviser, Wealthfront Brokerage LLC, Member FINRA/SIPC, Wealthfront Software LLC, and the Wealthfront Corporation.
Wealthfront Home Lending, LLC does not operate under the DBA “Wealthfront” in Idaho.
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