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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 | 6.894%APR 6.930% | 0 pts$0 | $1,949/moP&I $1,949 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.038%APR 6.808% | 0 pts$0 | $1,952/moP&I $1,814 · MI $138 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.986%APR 6.037% | 0 pts$0 | $1,772/moP&I $1,772 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.926%APR 6.963% | 0 pts$0 | $1,955/moP&I $1,955 · MI $0 | See details |
| Investment Property FixedConforming | 7.618%APR 7.659% | 0 pts$0 | $2,094/moP&I $2,094 · 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 | 5.986% | 6.037% | 0 pts ($0) | $2,496/mo | $49,778 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.949% | 6.000% | 0 pts ($0) | $3,113/mo | $69,043 |
Condo 10% Down | 10% | 720 credit score | 7.141% | 7.309% | 0 pts ($0) | $2,248/mo | $78,786 |
Conventional 10% Down | 10% | 720 credit score | 6.592% | 6.747% | 0 pts ($0) | $2,126/mo | $73,275 |
Conventional 20% Down | 20% | 740 credit score | 6.894% | 6.930% | 0 pts ($0) | $1,949/mo | $60,277 |
Conventional 5% Down | 5% | 700 credit score | 7.006% | 7.484% | 0 pts ($0) | $2,341/mo | $81,732 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.336% | 7.375% | 0 pts ($0) | $2,546/mo | $87,496 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,190/mo | $74,207 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.802% | 7.177% | 0 pts ($0) | $2,341/mo | $84,476 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.926% | 6.963% | 0 pts ($0) | $2,444/mo | $82,920 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,054/mo | $72,816 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.038% | 6.808% | 0 pts ($0) | $2,188/mo | $76,866 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,242/mo | $78,499 |
FHA Streamline Refi | 0% | 640 credit score | 6.227% | 7.000% | 0 pts ($0) | $2,313/mo | $81,793 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.980% | 7.224% | 0 pts ($0) | $2,334/mo | $84,620 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,315/mo | $45,334 |
Investment Property 25% Down | 25% | 740 credit score | 7.618% | 7.659% | 0 pts ($0) | $1,963/mo | $62,571 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,995/mo | $62,339 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,152/mo | $65,985 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.407% | 7.183% | 0 pts ($0) | $2,275/mo | $80,898 |
Second Home 10% Down | 10% | 720 credit score | 5.942% | 6.514% | 0 pts ($0) | $1,985/mo | $66,763 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,947/mo | $60,188 |
VA 0% Down | 0% | 700 credit score | 6.031% | 6.275% | 0 pts ($0) | $2,274/mo | $75,104 |
VA Cash-Out Refi | 0% | 640 credit score | 6.043% | 6.411% | 0 pts ($0) | $2,277/mo | $75,240 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.065% | 6.217% | 0 pts ($0) | $2,282/mo | $75,490 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,037/mo | $64,428 |
Frequently Asked Questions
What are today's mortgage rates in La Veta School District RE-2, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in La Veta School District RE-2, CO is 6.894% (with an estimated monthly payment of $2,313). Active program rates also include FHA 30-year fixed loans at 6.038% and VA 0%-down fixed loans at 6.031%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in La Veta School District RE-2, 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 La Veta School District RE-2, CO have fluctuated between a low of 6.512% and a high of 6.972%. 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 La Veta School District RE-2, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $370,100 in La Veta School District RE-2, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $74,020 but keeps your monthly payment lower at $2,313/mo (at 6.894% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,954 (3.5% down) but has an estimated payment of $2,596/mo (at 6.038% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $357,147 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 La Veta School District RE-2 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in La Veta School District RE-2 is $806,501. With a typical local home value of $370,100 in , a standard 20%-down mortgage requires a loan size of $296,080. 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 La Veta School District RE-2, CO impact estimated mortgage payments?
The median home value in La Veta School District RE-2, CO is estimated at $370,100. Buying a typical home here with a standard 20% down payment ($74,020) translates to an estimated starting monthly mortgage payment of $2,313 (principal and interest). Compared to the local area median household income of $82,828 ($6,902/mo), this basic housing payment represents approximately 33.5% 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.