Mike OswaldColorado mortgage loan officer · VP of Mortgage Lending, Rate
Mike Oswald, NMLS #261003. Rate, Inc., NMLS #2611. Equal Housing Lender.
Mike Oswald is a Colorado mortgage loan officer at Rate in Denver, helping Colorado home buyers get pre-approved and refinance since 2001. Get pre-approved online, or call or text Mike at (720) 677-5816.
Get pre-approvedSeparate companies. You're free to choose any lender. Full disclosure →
Mortgage rates this week
The national averages below refresh every week from Freddie Mac's survey. They are a starting point for a conversation, not your rate.
National weekly averages from Freddie Mac's survey, not a quote or an offer from Mike Oswald or Rate. Your rate depends on credit, down payment, loan type and market. APR may differ. Separate companies. You're free to choose any lender. Full disclosure →
Payment calculator
Try different prices and rates to see how the monthly principal, interest and tax move. A lender sets the real terms after reviewing your application.
What would my payment be?
Move the sliders: price, down payment, rate and term. Principal, interest and property tax.
Illustration only; a lender sets the real terms. Insurance, HOA and mortgage insurance not included. Not an offer of credit; the slider starting values are examples, not terms available from Mike Oswald or Rate.
Mike Oswald, NMLS #261003. Rate, Inc., NMLS #2611. Equal Housing Lender. Separate companies. You're free to choose any lender. Full disclosure →
Loans Mike offers
From Mike's Rate profile (checked October 19, 2026). Programs are subject to change and borrower qualification; not every program fits every buyer or property.
- Home purchase loansLoans to buy a home, with pre-approval before you write an offer.
- RefinancingReplace a current mortgage. Rate's own disclosures note that refinancing can raise total costs over the life of the loan.
- Down payment assistancePrograms that can help with the down payment and closing costs, for buyers who qualify.
- FHA loansGovernment-insured loans often used by first-time buyers.
- VA loansFor eligible veterans, service members and surviving spouses.
- USDA loansFor eligible homes in qualifying rural and suburban areas.
- Jumbo loansFor loan amounts above the conforming limit.
- Bank statement loansFor self-employed borrowers who document income with bank statements.
- Physician loansLoan programs for physicians.
- Foreign national loansFor buyers who are not U.S. citizens or permanent residents.
- Reverse mortgagesFor homeowners age 62 and older.
- Same-Day MortgageA Rate program. Not available in all states; ask Mike whether it fits your situation.
Mortgage questions, answered
How do I get pre-approved with Mike Oswald?
Tap Get pre-approved to start Rate's online application, which routes to Mike. You can also call or text him at (720) 677-5816 or book a call. He reviews your credit, income and assets and tells you what you qualify for.
Do I have to use Mike or Rate to work with a Kenna Group agent?
No. The Kenna Group and Rate are separate companies. You are free to choose any lender, and choosing another lender never changes the service you get from a Kenna Group agent.
Are the rates on this page a quote?
No. They are Freddie Mac's weekly national averages. Your rate depends on your credit, down payment, loan type, property and the market on the day you lock. Ask Mike for a Loan Estimate to see real terms and the APR.
What loan types does Mike offer?
His Rate profile lists purchase and refinance loans, down payment assistance, FHA, VA and USDA loans, jumbo, bank statement, physician, foreign national and reverse mortgages, and Rate's Same-Day Mortgage program (not available in all states). Programs are subject to change and borrower qualification.
How do I check Mike Oswald's license?
Look him up on NMLS Consumer Access: Mike Oswald, NMLS #261003, and the company, Rate, Inc., NMLS #2611. Rate lists its state licenses on its own licensing page.
Does The Kenna Group get paid if I use Mike?
No. No referral fees are paid, and nothing of value is exchanged for referrals. See the full lender disclosure.
Talk to Mike
Mike Oswald, VP of Mortgage Lending
Rate · 1221 S Clarkson St, Suite 301, Denver, CO 80210
Call or text (720) 677-5816
Book a call with Mike
Mike's profile on rate.com
Disclosures
Mike Oswald, NMLS #261003. Rate, Inc., NMLS #2611. Equal Housing Lender.
This is not a commitment to lend. Rates, terms and programs are subject to change and borrower qualification.
Rates shown are Freddie Mac's weekly national averages, not a quote or an offer of credit. Your rate depends on credit, down payment, loan type, property and market. APR may differ. The payment calculator is a generic illustration, not an offer.
Per Rate's own licensing and disclosures page: loan approval depends on credit and underwriting and not every applicant is approved; an application is not an approval or a rate guarantee; refinancing can raise total finance costs over the life of the loan. Rate's state licenses, privacy policy and terms.
No referral fees. The Kenna Group and Rate are separate companies. You are free to choose any lender. The Kenna Group, Keller Williams DTC and PadLeaders are not affiliated with Rate, Inc., and nothing of value is paid or received for referrals.
This page is published by PadLeaders, a Kenna Group Enterprises company, from Mike's public Rate profile. Read the full lender disclosure →
Mike Oswald, NMLS #261003. Rate, Inc., NMLS #2611. Equal Housing Lender.
This is not a commitment to lend. Rates, terms and programs are subject to change and borrower qualification. The Kenna Group and Rate are separate companies. You are free to choose any lender. Full disclosure · Rate state licenses