Our mission is LOW RATES at a LOW COST. Compare us to any other lender and be suprised on the savings.

Call us to see how much we can save you on home financing.
7am-11pm MT 7-Days a week

SAVE THOUSANDS!

Prepare to SAVE THOUSANDS! with our LOW COST approach to home financing.

Interest Rate Search Tool

Run your scenario to see how much Low Cost Mortgage can save you.

States we Service

We are in several states and adding new states constantly.

Opt-Out Prescreen

OPT-OUT of the credit bureaus selling your private personal information.

How It Works

It only takes about 30 to 60 minutes to fully pre-approve most buyers for a home purchase.  

touch

Give us a Call

Call us to discuss your specific scenario.
1 (719) 362-0432
7am-11pm MT. 7 Days a week
Step 1
computer

Fill out an Application

Use our online portal to fill out an application.
TIP: Use your computer not your phone.
Step 2
document

Upload Documents

We will request a few documents though the portal needed to prove income, work history, assets, etc.
Step 3
house

You're Pre-Approved

Congratulations, you are pre-approved! Use your pre-approval to buy or refinance your home.
Step 4

What Makes Us Stand Out?

We pride ourselves on delivering top-tier customer service with a focus on LOW COST, and LOW RATES. Our team of skilled professionals is committed to saving you money and getting you a better deal with your home loan.

GOOD

Mortgage lending is one of the most complicated industries to work in. We know the rules, and how to navigate them.

FAST

Our systems are dialed in for speed. We use efficient technology and simplified systems to speed up the mortgage lending process. We are often ready to close the loan in a week or so.

CHEAP

Our mission is to save you money in home financing. In our industry, if you are GOOD and FAST you can also choose to be CHEAP. We do. DIRT CHEAP. This decision saves you a lot of money in closing costs and interest rates.

Meet the Owner

Dedicated to Saving Money

Michael Floren has a history in real estate dating back to the late 90’s. From construction and real estate sales to mortgage lending, he has a broad range of experience in housing and financing that is hard to find. His commitment to saving borrowers money on financing homes is a rare trait in this industry.

Few try and even fewer excel at it.

Recent Awards for Mikes Mortgage Production