Primary location
730 Colorado BlvdDenver, CO 80206
Mortgage Loan Officer
Katherine Krasne
Mortgage Loan Officer
NMLS# 909070
303-585-4338
Connect with Katherine
-
katherine.krasne@usbank.com
- 303-585-4338
- 954-465-1038
-
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyAbout me
No matter where you are in the home buying process, I can help.
- As a Mortgage Loan Officer right here in Denver, I work with you to help you find the right mortgage for your unique situation.
- You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Denver with home financing needs similar to yours.
I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 303-585-4338.
Certifications
- Private Wealth Mortgage Banker
- Wealth Management Mortgage Banker
Service areas include
- Denver, CO
- Aurora, CO
- Central Park, CO
- Castle Rock, CO
- Littleton, CO
- Cherry Hills Village, CO
Denver, CO 80206
Connect with Katherine
-
katherine.krasne@usbank.com
-
303-585-4338
-
954-465-1038
-
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyExplore more
Resources for builders and realtors
You need a lender that cares about your clients as much as you do.
Today's mortgage rates in Colorado.
The mortgage rates shown below assume a few basic things, including:
- You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
- Your loan is for a single-family home as your primary residence.
- You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.
Rates are current as of 05/13/2025.
See rates for other states.
Compare current mortgage rates.
Conventional fixed-rate mortgages
| 30-year fixed | 6.625% | 6.806% | $2,971 | 0.981 |
|---|---|---|---|---|
| 20-year fixed | 6.375% | 6.593% | $3,425 | 0.844 |
| 15-year fixed | 5.99% | 6.223% | $3,913 | 0.613 |
| 10-year fixed | 5.75% | 6.124% | $5,093 | 0.816 |
Conforming adjustable-rate mortgages
| 10/6 mo | 7.375% | 7.56% | $3,205 | 1.699 |
|---|---|---|---|---|
| 7/6 mo | 6.625% | 7.04% | $2,971 | 0.931 |
Jumbo adjustable-rate mortgages
| 10/1 yr | 6.625% | 6.818% | $6,019 | 0.685 |
|---|---|---|---|---|
| 7/1 yr | 6.5% | 6.775% | $5,941 | 0.725 |
| 5/1 yr | 6.375% | 6.759% | $5,864 | 0.775 |
FHA mortgages
| 30-year fixed - FHA | 6.375% | 7.256% | $1,806 | 0.745 |
|---|
VA mortgages
| 30-year fixed - VA | 6.375% | 6.742% | $1,682 | 0.770 |
|---|
Jumbo mortgages
| 30-year fixed - jumbo | 7.125% | 7.276% | $6,333 | 0.630 |
|---|---|---|---|---|
| 20-year fixed - jumbo | 7.125% | 7.324% | $7,359 | 0.655 |
| 15-year fixed - jumbo | 6.75% | 7.012% | $8,318 | 0.760 |
Katherine Krasne
Mortgage Loan Officer
NMLS# 909070
303-585-4338
- katherine.krasne@usbank.com
303-585-4338
-
954-465-1038
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyToday's refinance rates in Colorado.
The mortgage rates shown below assume a few basic things, including:
- You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
- Your loan is for a single-family home as your primary residence.
- You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.
Rates are current as of 05/13/2025.
See rates for other states.
Compare current refinance rates.
Conventional fixed-rate refinance loans
| 30-year fixed | $NaN | |||
|---|---|---|---|---|
| 20-year fixed | $NaN | |||
| 15-year fixed | $NaN | |||
| 10-year fixed | $NaN |
Conforming adjustable-rate refinance loans
| 10/6 mo | $NaN | |||
|---|---|---|---|---|
| 7/6 mo | $NaN |
Jumbo adjustable-rate refinance loans
| 10/1 Jumbo | $NaN | |||
|---|---|---|---|---|
| 7/1 Jumbo | $NaN | |||
| 5/1 Jumbo | $NaN |
FHA refinance loans
| 30-year fixed - FHA | $NaN |
|---|
VA refinance loans
| 30-year fixed - VA | $NaN |
|---|
Jumbo refinance loans
| 30-year fixed - jumbo | $NaN | |||
|---|---|---|---|---|
| 20-year fixed - jumbo | $NaN | |||
| 15-year fixed - jumbo | $NaN |
Katherine Krasne
Mortgage Loan Officer
NMLS# 909070
303-585-4338
- katherine.krasne@usbank.com
303-585-4338
-
954-465-1038
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage calculator
Use our mortgage calculator to help you better understand your home financing options.
Katherine Krasne
Mortgage Loan Officer
NMLS# 909070
303-585-4338
- katherine.krasne@usbank.com
303-585-4338
-
954-465-1038
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyReviews
Sep 9, 2024
Katie came through for us after a last minute change to use US Bank as our lender and was able to scramble for us to make sure that our closing schedule remained intact. She is very knowledgeable and was able to answer all of our questions as we moved through the process. We would highly recommend Katie and US bank.
Jun 9, 2024
Katie was great to work with. Her communication was on point. The product offered at US bank is very good and they provided great value on rates and closing costs.
Oct 30, 2019
Katie was so amazing! First of all, she was very easy to get ahold of, she had amazing communication skills, she got me some grants that were the reason we were able to close. I could not recommend her enough!
Oct 27, 2019
First, my opinion is as both a consumer and as a REALTOR who has worked with different mortgage lenders for many years. Katherine's experience is obvious from the first conversation we had. She kept me well informed each time I asked, and also many times without me asking. She has a communication style that was very accommodating. The knowledge she shared provided me the best rate and terms. She knows the processes, and the way she explained next steps were clear and easy to understand taking each step forward. It was a great experience overall, and everything was in the right place when closing time came.
Katherine Krasne
Mortgage Loan Officer
NMLS# 909070
303-585-4338
- katherine.krasne@usbank.com
303-585-4338
-
954-465-1038
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage FAQ
Get answers to your questions regarding home financing, refinancing and more.
Construction loans
Construction loans are short-term, interim loans used for new home construction, including land, contractor labor, building materials, permits and more. With these loans, the contractor receives disbursements as work progresses. There are several construction loans designed to fit nearly every new home construction need. Some options include construction-only loans and construction-to- permanent loans, where the loan is used for the construction of the home and then converts into a permanent mortgage loan.
Construction loans are short-term loans that cover the cost of building a new home. These loans are usually shorter in duration and proceeds are paid directly to the contractor in installments, or “draws,” as building milestones are achieved. An inspection is typically required before each payment is released to the contractor. To learn more about how construction loans work, connect with your mortgage loan officer.
If you’re considering a construction loan, there are a variety of qualifying factors, including but not limited to, credit score, debt-to-income ratio and credit history. Contact your mortgage loan officer to see if you qualify for a construction loan.
Jumbo loans
A jumbo loan is for single-family homes with loan amounts greater than $806,500. In certain high cost areas, such as Alaska and Hawaii, the loan amount must be greater than $1,209,750. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.
Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $806,500 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $1,209,750 in certain high cost areas, including Alaska and Hawaii.
A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $806,500 and up to $1,209,750 in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.
First-time home buyers
Depending on your home-ownership goals, there are several options for first-time home buyer loans. Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to no-down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.
To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:
- Credit Score
- Down payment amount
- Household income limitations
Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans.
If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.
Physician loans
A physician loan is a mortgage designed for Doctors of Medicine (M.D.) and Doctors of Osteopathic Medicine (D.O.). They offer low down payment options and relaxed debt-to-income ratios.
Physician loans are available to Doctors of Medicine (M.D.) and Doctors of Osteopathic Medicine (D.O.). Residents with six months or less in their residency or fellowship who have accepted full time positions and doctors who have completed a residency with the last ten years are also eligible. To be eligible for a physician loan, you must provide a copy of your medical license and employment contract, and the property must be your primary residence. Second homes and vacation homes do not qualify. To learn more about how physician loans work, connect with your mortgage loan officer.
No. Physician loans differ from conventional loans in several ways. Physician loans are flexible with debt-to-income ratios and will typically accept a signed contract as employment verification.
ARM loans
An adjustable-rate mortgage (ARM) is a home loan that has an initial fixed-rate period of five, seven or 10 years and an adjustable rate after the fixed-rate period ends. After the introductory rate term expires, the estimated payment and rate may change. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. An ARM loan could be a good option if you plan to sell within a few years.
With an (ARM) loan the initial interest rate is fixed for a set period and then becomes variable, adjusting periodically for the remaining life of the loan based on market conditions. For example, a jumbo 10/1 ARM has a fixed rate for the first 10 years and an adjustable rate for the remaining duration of the loan, adjusting every year. A 7/6 ARM has a fixed rate for the first seven years and an adjustable rate for the remainder of the loan, adjusting every six months. To learn more about how ARM loans work, connect with your mortgage loan officer.
Yes, an existing ARM loan can be refinanced upon credit approval. The benefits of refinancing a mortgage , may include replacing the terms of your current loan with terms that are more favorable for you, lowering monthly payments, getting access to cash for major purchases and reducing your interest rate. Your mortgage loan officer can help you find the right choice for your needs.
Katherine Krasne
Mortgage Loan Officer
NMLS# 909070
303-585-4338
- katherine.krasne@usbank.com
303-585-4338
-
954-465-1038
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
Apply