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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 | 6.946%APR 6.984% | 0 pts$0 | $1,508/moP&I $1,508 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.953%APR 6.723% | 0 pts$0 | $1,489/moP&I $1,383 · MI $106 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.087%APR 6.141% | 0 pts$0 | $1,379/moP&I $1,379 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.973%APR 7.011% | 0 pts$0 | $1,512/moP&I $1,512 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.694% | 0 pts$0 | $1,613/moP&I $1,613 · 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 | 6.087% | 6.141% | 0 pts ($0) | $1,934/mo | $38,976 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.034% | 6.088% | 0 pts ($0) | $2,409/mo | $53,837 |
Condo 10% Down | 10% | 720 credit score | 7.269% | 7.442% | 0 pts ($0) | $1,752/mo | $61,624 |
Conventional 10% Down | 10% | 720 credit score | 6.771% | 6.931% | 0 pts ($0) | $1,666/mo | $57,775 |
Conventional 20% Down | 20% | 740 credit score | 6.946% | 6.984% | 0 pts ($0) | $1,508/mo | $46,747 |
Conventional 5% Down | 5% | 700 credit score | 7.078% | 7.561% | 0 pts ($0) | $1,814/mo | $63,489 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.389% | 7.430% | 0 pts ($0) | $1,970/mo | $67,793 |
Conventional High Balance | 10% | 740 credit score | 7.008% | 7.041% | 0 pts ($0) | $1,707/mo | $58,068 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.830% | 7.208% | 0 pts ($0) | $1,807/mo | $65,247 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.973% | 7.011% | 0 pts ($0) | $1,890/mo | $64,220 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,350/mo | $56,040 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.953% | 6.723% | 0 pts ($0) | $1,668/mo | $58,442 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,726/mo | $60,414 |
FHA Streamline Refi | 0% | 640 credit score | 6.074% | 6.846% | 0 pts ($0) | $1,751/mo | $61,616 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.035% | 7.281% | 0 pts ($0) | $1,807/mo | $65,573 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,782/mo | $34,889 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.694% | 0 pts ($0) | $1,512/mo | $48,201 |
Jumbo Conforming | 20% | 760 credit score | 7.034% | 7.067% | 0 pts ($0) | $1,521/mo | $47,351 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,656/mo | $50,783 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.315% | 7.091% | 0 pts ($0) | $1,734/mo | $61,486 |
Second Home 10% Down | 10% | 720 credit score | 5.959% | 6.533% | 0 pts ($0) | $1,530/mo | $51,513 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,498/mo | $46,321 |
VA 0% Down | 0% | 700 credit score | 6.076% | 6.322% | 0 pts ($0) | $1,759/mo | $58,194 |
VA Cash-Out Refi | 0% | 640 credit score | 6.080% | 6.451% | 0 pts ($0) | $1,759/mo | $58,229 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.087% | 6.241% | 0 pts ($0) | $1,761/mo | $58,291 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,567/mo | $49,585 |
Frequently Asked Questions
What are today's mortgage rates in Moffat County School District RE-1, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Moffat County School District RE-1, CO is 6.946% (with an estimated monthly payment of $1,848). Active program rates also include FHA 30-year fixed loans at 5.953% and VA 0%-down fixed loans at 6.076%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Moffat County School District RE-1, 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 Moffat County School District RE-1, CO have fluctuated between a low of 6.600% and a high of 7.052%. 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 Moffat County School District RE-1, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $284,833 in Moffat County School District RE-1, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $56,967 but keeps your monthly payment lower at $1,848/mo (at 6.946% interest) with no monthly PMI. In comparison, an FHA loan requires only $9,969 (3.5% down) but has an estimated payment of $2,045/mo (at 5.953% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $274,864 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 Moffat County School District RE-1 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Moffat County School District RE-1 is $806,501. With a typical local home value of $284,833 in , a standard 20%-down mortgage requires a loan size of $227,866. 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 Moffat County School District RE-1, CO impact estimated mortgage payments?
The median home value in Moffat County School District RE-1, CO is estimated at $284,833. Buying a typical home here with a standard 20% down payment ($56,967) translates to an estimated starting monthly mortgage payment of $1,848 (principal and interest). Compared to the local area median household income of $75,971 ($6,331/mo), this basic housing payment represents approximately 29.2% 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.