Mortgage Rates in Colorado

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  2. Colorado Mortgage Rates
Current Colorado fixed rate mortgages for a 30-Year Fixed Jumbo mortgage are at 7.750% with 0.000% point(s), Current Colorado fixed rate mortgages for a 30-Year Fixed mortgage are at 6.875% with 0.875% point(s), 15-Year Fixed mortgage rates in Colorado are at 6.375% with 0.802% point(s). Colorado 7/6 ARM Jumbo mortgage rates are at 6.750% with 0.500% point(s), Colorado 7/6 ARM mortgage rates are at 6.500% with 0.719% point(s), Colorado 7/1 ARM mortgage rates are at 7.000% with 0.000% point(s).
Loan Term
APR / Rate
Fees and Points
NMLS #1907
15-Year Fixed
$3,374 /mo
Includes 0.813 points for $3,252
Lender Fees: $3,500
NMLS #1907
30-Year Fixed
$2,695 /mo
Includes 0.688 points for $2,752
Lender Fees: $3,500
Rate data provided by Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes or insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

Colorado Mortgage Rates:

Search and compare mortgage rates and refinance rates in Colorado. Our rate table has a list of Colorado mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Colorado you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Colorado include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in $regionName listed below.

Mortgage Rates in Colorado December 3, 2023

30-Year Fixed FHA
30-Year Fixed
30-Year Fixed
20-Year Fixed
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

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Colorado Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Colorado. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Colorado mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Colorado mortgage loans that have been made. As a result, Colorado mortgage rates today are lower than jumbo interest rates in $regionName. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Colorado Super Conforming Home Loan Rates

Super conforming mortgages in Colorado are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Colorado Jumbo Loan Interest Rates

Colorado jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Colorado are usually 0.75 basis points higher than conforming mortgage rates in Colorado because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Colorado Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Colorado. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Colorado Adjustable Interest Rates

Colorado adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Colorado Interest Only Home Mortgage Rates

Colorado interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Colorado FHA Mortgage Mortgage Rates

Borrowers in Colorado must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Colorado are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.

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