Refinance your mortgage in Colorado.
Athena is a licensed mortgage lender — not a traditional bank — refinancing conventional mortgages fully online. We're licensed in Colorado, and you can verify our license anytime through NMLS Consumer Access or on our licensing page.
Refinance options
- Rate-and-term refinance — replace your current mortgage with a new rate, a new term, or both. Available in Colorado.
- Cash-out refinance — turn part of the equity you've built into cash. It's a bigger loan on your home, so Athena shows you both sides of the math before you decide. Available in Colorado.
How much equity do you need for a cash-out refinance?
Colorado closing and recording
Does Colorado charge a documentary fee on a refinance mortgage?
Colorado exempts documents given to secure a debt from its documentary fee. The exemption must be claimed when the document is offered for recording. [S1] If your closing also transfers ownership, ask your closing team to review that separate document.
What about recording costs?
The documentary-fee exemption does not remove recording charges. Rio Blanco County lists mortgage and deed-of-trust documents among documents without documentary fees and separately lists recording fees. [S2] Ask your closing team which documents will be recorded and review your Loan Estimate for your loan's costs.
Sources
How it works
- Check your options. Seeing them takes about 30 seconds and uses a soft credit inquiry — no impact to your credit score. A hard pull comes later, with a full application.
- See your numbers. Your options on screen, in plain figures, before you commit to anything.
- Close fully online. The whole process runs digitally, from application through closing.
Refinancing in Colorado communities
Looking into refinancing in Fort Collins, Denver, Colorado Springs or Greeley? [S3] Use the Colorado closing information above, then explore the refinance options on this page.
No lender fees. Zero points required.*
*Buying your rate down with discount points is always optional, never required. Other closing costs still apply. — “No lender fees” means Athena charges no origination, application, processing, or underwriting fees. Third-party and prepaid costs — appraisal, credit, title, recording, and prepaid interest — still apply at every lender, and your Loan Estimate shows the actual figures for your loan.
Frequently asked questions
Can I refinance my home in Colorado?
Athena offers conventional rate-and-term refinancing in Colorado, and cash-out where available. Rate-and-term replaces your current mortgage with a new rate, a new term, or both. Product availability and eligibility vary.
Where can I see Colorado refinance rates for my situation?
Check your rate on athenamoney.co. Seeing your options uses a soft credit inquiry, with no impact to your credit score. Rates and terms depend on your credit profile, loan amount and market conditions. Review your Loan Estimate for the actual figures for your loan.
Can I apply online from Fort Collins, Denver or Colorado Springs?
Athena offers an online application for conventional mortgage refinancing in Colorado. Review the Colorado closing and recording information above, then explore the options on this page.
Is Athena licensed in Colorado?
Yes — Athena (NMLS #2771910) is licensed in Colorado. Our current state licenses are listed at athenamoney.co/licensing, and you can verify any lender's license directly at NMLS Consumer Access.
Does checking my options affect my credit?
No — seeing your options uses a soft credit inquiry, with no impact to your credit score. A hard pull happens later, with a full application.
What types of loans does Athena offer in Colorado?
Conventional refinancing — rate-and-term, and cash-out where available. Athena doesn't offer purchase loans, FHA/VA/USDA loans, jumbo loans, HELOCs, or second mortgages.
What does refinancing cost with Athena?
Athena charges no lender fees and requires zero discount points. Third-party and prepaid closing costs — appraisal, credit, title, recording, prepaid interest — still apply, and your Loan Estimate shows the exact figures before you commit.
Is the process really online?
Yes — application through closing runs digitally, except where state law requires an in-person signing. You'll see your numbers on screen at each decision point.
See your options in Colorado.
It takes about 30 seconds, with no credit impact to look.
→ apply.athenamoney.co/introduction