Select your Scenario
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.
See Safe Rate's top scoring lenders for Plateau School District Re-5
We rank active Plateau School District Re-5 lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
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 | 6.910%APR 6.947% | 0 pts$0 | $1,293/moP&I $1,293 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.943%APR 6.712% | 0 pts$0 | $1,281/moP&I $1,189 · MI $91 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.013%APR 6.065% | 0 pts$0 | $1,177/moP&I $1,177 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.860%APR 6.897% | 0 pts$0 | $1,286/moP&I $1,286 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.673% | 0 pts$0 | $1,388/moP&I $1,388 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
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 | 6.013% | 6.065% | 0 pts ($0) | $1,656/mo | $33,124 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.980% | 6.032% | 0 pts ($0) | $2,066/mo | $45,951 |
Condo 10% Down | 10% | 720 credit score | 7.195% | 7.365% | 0 pts ($0) | $1,497/mo | $52,543 |
Conventional 10% Down | 10% | 720 credit score | 6.613% | 6.769% | 0 pts ($0) | $1,411/mo | $48,673 |
Conventional 20% Down | 20% | 740 credit score | 6.910% | 6.947% | 0 pts ($0) | $1,293/mo | $40,019 |
Conventional 5% Down | 5% | 700 credit score | 7.029% | 7.508% | 0 pts ($0) | $1,554/mo | $54,296 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.353% | 7.393% | 0 pts ($0) | $1,689/mo | $58,079 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,451/mo | $49,151 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.820% | 7.196% | 0 pts ($0) | $1,553/mo | $56,082 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.860% | 6.897% | 0 pts ($0) | $1,608/mo | $54,435 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,023/mo | $48,229 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.943% | 6.712% | 0 pts ($0) | $1,434/mo | $50,225 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,485/mo | $51,994 |
FHA Streamline Refi | 0% | 640 credit score | 6.060% | 6.831% | 0 pts ($0) | $1,505/mo | $52,923 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.994% | 7.239% | 0 pts ($0) | $1,548/mo | $56,147 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,534/mo | $30,027 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.673% | 0 pts ($0) | $1,301/mo | $41,483 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,321/mo | $41,290 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,425/mo | $43,705 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.301% | 7.076% | 0 pts ($0) | $1,490/mo | $52,815 |
Second Home 10% Down | 10% | 720 credit score | 5.947% | 6.520% | 0 pts ($0) | $1,315/mo | $44,254 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,289/mo | $39,865 |
VA 0% Down | 0% | 700 credit score | 6.059% | 6.304% | 0 pts ($0) | $1,511/mo | $49,956 |
VA Cash-Out Refi | 0% | 640 credit score | 6.066% | 6.435% | 0 pts ($0) | $1,512/mo | $50,009 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.072% | 6.225% | 0 pts ($0) | $1,513/mo | $50,054 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,349/mo | $42,674 |
Frequently Asked Questions
What are today's mortgage rates in Plateau School District RE-5, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Plateau School District RE-5, CO is 6.910% (with an estimated monthly payment of $2,142). Active program rates also include FHA 30-year fixed loans at 5.943% and VA 0%-down fixed loans at 6.059%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Plateau School District RE-5, 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 Plateau School District RE-5, CO have fluctuated between a low of 6.540% and a high of 6.989%. 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 Plateau School District RE-5, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $245,136 in Plateau School District RE-5, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $49,027 but keeps your monthly payment lower at $2,142/mo (at 6.910% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,580 (3.5% down) but has an estimated payment of $2,377/mo (at 5.943% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $236,556 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 Plateau School District RE-5 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Plateau School District RE-5 is $806,501. With a typical local home value of $245,136 in , a standard 20%-down mortgage requires a loan size of $196,109. 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 Plateau School District RE-5, CO impact estimated mortgage payments?
The median home value in Plateau School District RE-5, CO is estimated at $245,136. Buying a typical home here with a standard 20% down payment ($49,027) translates to an estimated starting monthly mortgage payment of $2,142 (principal and interest). Compared to the local area median household income of $70,770 ($5,898/mo), this basic housing payment represents approximately 36.3% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.