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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 | 6.812%APR 6.845% | 0 pts$0 | $3,819/moP&I $3,819 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.933%APR 6.699% | 0 pts$0 | $3,816/moP&I $3,543 · MI $273 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.857%APR 5.903% | 0 pts$0 | $3,454/moP&I $3,454 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.852%APR 6.886% | 0 pts$0 | $3,834/moP&I $3,834 · MI $0 | See details |
| Investment Property FixedConforming | 7.491%APR 7.529% | 0 pts$0 | $4,087/moP&I $4,087 · 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 | 5.857% | 5.903% | 0 pts ($0) | $4,892/mo | $96,171 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.843% | 5.889% | 0 pts ($0) | $6,109/mo | $134,178 |
Condo 10% Down | 10% | 720 credit score | 6.997% | 7.160% | 0 pts ($0) | $4,377/mo | $152,813 |
Conventional 10% Down | 10% | 720 credit score | 6.499% | 6.651% | 0 pts ($0) | $4,159/mo | $142,940 |
Conventional 20% Down | 20% | 740 credit score | 6.812% | 6.845% | 0 pts ($0) | $3,819/mo | $117,655 |
Conventional 5% Down | 5% | 700 credit score | 6.941% | 7.414% | 0 pts ($0) | $4,594/mo | $160,130 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.252% | 7.288% | 0 pts ($0) | $4,990/mo | $171,028 |
Conventional High Balance | 10% | 740 credit score | 7.025% | 7.058% | 0 pts ($0) | $4,390/mo | $149,420 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.638% | 7.006% | 0 pts ($0) | $4,548/mo | $163,410 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.852% | 6.886% | 0 pts ($0) | $4,793/mo | $162,209 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,034/mo | $143,875 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.933% | 6.699% | 0 pts ($0) | $4,274/mo | $149,612 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,431/mo | $155,105 |
FHA Streamline Refi | 0% | 640 credit score | 6.046% | 6.814% | 0 pts ($0) | $4,483/mo | $157,564 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.914% | 7.154% | 0 pts ($0) | $4,582/mo | $165,817 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,575/mo | $89,574 |
Investment Property 25% Down | 25% | 740 credit score | 7.491% | 7.529% | 0 pts ($0) | $3,831/mo | $121,531 |
Jumbo Conforming | 20% | 760 credit score | 7.113% | 7.147% | 0 pts ($0) | $3,937/mo | $122,962 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,252/mo | $130,379 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.287% | 7.059% | 0 pts ($0) | $4,438/mo | $157,253 |
Second Home 10% Down | 10% | 720 credit score | 5.944% | 6.514% | 0 pts ($0) | $3,922/mo | $131,956 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,847/mo | $118,924 |
VA 0% Down | 0% | 700 credit score | 5.931% | 6.171% | 0 pts ($0) | $4,446/mo | $146,152 |
VA Cash-Out Refi | 0% | 640 credit score | 5.937% | 6.300% | 0 pts ($0) | $4,448/mo | $146,286 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.948% | 6.097% | 0 pts ($0) | $4,454/mo | $146,533 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,024/mo | $127,302 |
Frequently Asked Questions
What are today's mortgage rates in 80470, , CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 80470, , CO is 6.812% (with an estimated monthly payment of $3,720). Active program rates also include FHA 30-year fixed loans at 5.933% and VA 0%-down fixed loans at 5.931%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 80470, , 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 80470, , CO have fluctuated between a low of 6.432% and a high of 6.892%. 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 80470, , CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $731,272 in 80470, , CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $146,254 but keeps your monthly payment lower at $3,720/mo (at 6.812% interest) with no monthly PMI. In comparison, an FHA loan requires only $25,595 (3.5% down) but has an estimated payment of $4,164/mo (at 5.933% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $705,677 falls comfortably within the local HUD FHA loan limit of $840,963 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 80470 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 80470 is $806,501. With a typical local home value of $731,272 in , a standard 20%-down mortgage requires a loan size of $585,018. 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 80470, , CO impact estimated mortgage payments?
The median home value in 80470, , CO is estimated at $731,272. Buying a typical home here with a standard 20% down payment ($146,254) translates to an estimated starting monthly mortgage payment of $3,720 (principal and interest). Compared to the local area median household income of $129,762 ($10,814/mo), this basic housing payment represents approximately 34.4% 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.