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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 | 6.919%APR 6.956% | 0 pts$0 | $1,864/moP&I $1,864 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.945%APR 6.714% | 0 pts$0 | $1,845/moP&I $1,713 · MI $132 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.032%APR 6.084% | 0 pts$0 | $1,699/moP&I $1,699 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.939%APR 6.976% | 0 pts$0 | $1,867/moP&I $1,867 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.678% | 0 pts$0 | $1,999/moP&I $1,999 · 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 | 6.032% | 6.084% | 0 pts ($0) | $2,388/mo | $47,860 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.973% | 6.025% | 0 pts ($0) | $2,974/mo | $66,106 |
Condo 10% Down | 10% | 720 credit score | 7.224% | 7.394% | 0 pts ($0) | $2,162/mo | $75,950 |
Conventional 10% Down | 10% | 720 credit score | 6.624% | 6.780% | 0 pts ($0) | $2,034/mo | $70,205 |
Conventional 20% Down | 20% | 740 credit score | 6.919% | 6.956% | 0 pts ($0) | $1,864/mo | $57,712 |
Conventional 5% Down | 5% | 700 credit score | 7.041% | 7.522% | 0 pts ($0) | $2,241/mo | $78,319 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.363% | 7.403% | 0 pts ($0) | $2,436/mo | $83,751 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,089/mo | $70,787 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.822% | 7.198% | 0 pts ($0) | $2,238/mo | $80,789 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.939% | 6.976% | 0 pts ($0) | $2,334/mo | $79,237 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,913/mo | $69,460 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.945% | 6.714% | 0 pts ($0) | $2,066/mo | $72,355 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,139/mo | $74,882 |
FHA Streamline Refi | 0% | 640 credit score | 6.064% | 6.835% | 0 pts ($0) | $2,169/mo | $76,263 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.998% | 7.243% | 0 pts ($0) | $2,231/mo | $80,903 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,209/mo | $43,245 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.678% | 0 pts ($0) | $1,874/mo | $59,744 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,903/mo | $59,466 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,053/mo | $62,944 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.304% | 7.079% | 0 pts ($0) | $2,147/mo | $76,096 |
Second Home 10% Down | 10% | 720 credit score | 5.950% | 6.523% | 0 pts ($0) | $1,895/mo | $63,763 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,857/mo | $57,414 |
VA 0% Down | 0% | 700 credit score | 6.066% | 6.311% | 0 pts ($0) | $2,178/mo | $72,022 |
VA Cash-Out Refi | 0% | 640 credit score | 6.069% | 6.439% | 0 pts ($0) | $2,178/mo | $72,055 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.076% | 6.229% | 0 pts ($0) | $2,180/mo | $72,131 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,943/mo | $61,459 |
Frequently Asked Questions
What are today's mortgage rates in 80931, Security-Widefield, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 80931, Security-Widefield, CO is 6.919% (with an estimated monthly payment of $2,060). Active program rates also include FHA 30-year fixed loans at 5.945% and VA 0%-down fixed loans at 6.066%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 80931, Security-Widefield, 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 80931, Security-Widefield, CO have fluctuated between a low of 6.555% and a high of 6.998%. 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 80931, Security-Widefield, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $353,044 in 80931, Security-Widefield, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $70,609 but keeps your monthly payment lower at $2,060/mo (at 6.919% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,357 (3.5% down) but has an estimated payment of $2,283/mo (at 5.945% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $340,687 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 80931 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 80931 is $806,501. With a typical local home value of $353,044 in Security-Widefield, a standard 20%-down mortgage requires a loan size of $282,435. 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 80931, Security-Widefield, CO impact estimated mortgage payments?
The median home value in 80931, Security-Widefield, CO is estimated at $353,044. Buying a typical home here with a standard 20% down payment ($70,609) translates to an estimated starting monthly mortgage payment of $2,060 (principal and interest). Compared to the local area median household income of $104,167 ($8,681/mo), this basic housing payment represents approximately 23.7% 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.