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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.813%APR 6.846% | 0 pts$0 | $3,955/moP&I $3,955 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.934%APR 6.700% | 0 pts$0 | $3,952/moP&I $3,670 · MI $283 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.858%APR 5.904% | 0 pts$0 | $3,577/moP&I $3,577 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.541%APR 6.573% | 0 pts$0 | $3,845/moP&I $3,845 · MI $0 | See details |
| Investment Property FixedConforming | 7.492%APR 7.530% | 0 pts$0 | $4,233/moP&I $4,233 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.858% | 5.904% | 0 pts ($0) | $5,066/mo | $99,606 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.865% | 5.912% | 0 pts ($0) | $6,335/mo | $139,427 |
Condo 10% Down | 10% | 720 credit score | 6.999% | 7.162% | 0 pts ($0) | $4,534/mo | $158,283 |
Conventional 10% Down | 10% | 720 credit score | 6.500% | 6.652% | 0 pts ($0) | $4,308/mo | $148,039 |
Conventional 20% Down | 20% | 740 credit score | 6.813% | 6.846% | 0 pts ($0) | $3,955/mo | $121,853 |
Conventional 5% Down | 5% | 700 credit score | 6.942% | 7.415% | 0 pts ($0) | $4,758/mo | $165,841 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.253% | 7.289% | 0 pts ($0) | $5,167/mo | $177,127 |
Conventional High Balance | 10% | 740 credit score | 7.025% | 7.058% | 0 pts ($0) | $4,546/mo | $154,728 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.642% | 7.010% | 0 pts ($0) | $4,712/mo | $169,304 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.541% | 6.573% | 0 pts ($0) | $4,807/mo | $160,879 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,249/mo | $148,986 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.934% | 6.700% | 0 pts ($0) | $4,426/mo | $154,949 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,588/mo | $160,615 |
FHA Streamline Refi | 0% | 640 credit score | 6.048% | 6.816% | 0 pts ($0) | $4,643/mo | $163,208 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.915% | 7.155% | 0 pts ($0) | $4,745/mo | $171,730 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,738/mo | $92,756 |
Investment Property 25% Down | 25% | 740 credit score | 7.492% | 7.530% | 0 pts ($0) | $3,968/mo | $125,866 |
Jumbo Conforming | 20% | 760 credit score | 7.113% | 7.147% | 0 pts ($0) | $4,076/mo | $127,331 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,403/mo | $135,011 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.289% | 7.061% | 0 pts ($0) | $4,597/mo | $162,884 |
Second Home 10% Down | 10% | 720 credit score | 5.946% | 6.516% | 0 pts ($0) | $4,062/mo | $136,685 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,983/mo | $123,149 |
VA 0% Down | 0% | 700 credit score | 5.933% | 6.173% | 0 pts ($0) | $4,604/mo | $151,391 |
VA Cash-Out Refi | 0% | 640 credit score | 5.938% | 6.301% | 0 pts ($0) | $4,607/mo | $151,507 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.950% | 6.099% | 0 pts ($0) | $4,613/mo | $151,786 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,167/mo | $131,825 |
Frequently Asked Questions
What are today's mortgage rates in 80425, , CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 80425, , CO is 6.813% (with an estimated monthly payment of $3,687). Active program rates also include FHA 30-year fixed loans at 5.934% and VA 0%-down fixed loans at 5.933%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 80425, , CO?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 80425, , CO have fluctuated between a low of 6.433% and a high of 6.893%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 80425, , CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $757,252 in 80425, , CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $151,450 but keeps your monthly payment lower at $3,687/mo (at 6.813% interest) with no monthly PMI. In comparison, an FHA loan requires only $26,504 (3.5% down) but has an estimated payment of $4,127/mo (at 5.934% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $730,748 falls comfortably within the local HUD FHA loan limit of $870,840 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 80425 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 80425 is $806,501. With a typical local home value of $757,252 in , a standard 20%-down mortgage requires a loan size of $605,802. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 80425, , CO impact estimated mortgage payments?
The median home value in 80425, , CO is estimated at $757,252. Buying a typical home here with a standard 20% down payment ($151,450) translates to an estimated starting monthly mortgage payment of $3,687 (principal and interest). Compared to the local area median household income of $137,031 ($11,419/mo), this basic housing payment represents approximately 32.3% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.