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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 | 6.871%APR 6.906% | 0 pts$0 | $2,232/moP&I $2,232 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.006%APR 6.775% | 0 pts$0 | $2,233/moP&I $2,074 · MI $158 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.952%APR 6.002% | 0 pts$0 | $2,027/moP&I $2,027 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.834%APR 6.870% | 0 pts$0 | $2,223/moP&I $2,223 · MI $0 | See details |
| Investment Property FixedConforming | 7.585%APR 7.625% | 0 pts$0 | $2,396/moP&I $2,396 · 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 | 5.952% | 6.002% | 0 pts ($0) | $2,859/mo | $56,798 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.931% | 5.981% | 0 pts ($0) | $3,569/mo | $79,023 |
Condo 10% Down | 10% | 720 credit score | 7.105% | 7.272% | 0 pts ($0) | $2,570/mo | $90,011 |
Conventional 10% Down | 10% | 720 credit score | 6.568% | 6.723% | 0 pts ($0) | $2,434/mo | $83,826 |
Conventional 20% Down | 20% | 740 credit score | 6.871% | 6.906% | 0 pts ($0) | $2,232/mo | $68,948 |
Conventional 5% Down | 5% | 700 credit score | 6.991% | 7.468% | 0 pts ($0) | $2,682/mo | $93,625 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.316% | 7.354% | 0 pts ($0) | $2,917/mo | $100,167 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,514/mo | $85,171 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.780% | 7.154% | 0 pts ($0) | $2,681/mo | $96,685 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.834% | 6.870% | 0 pts ($0) | $2,779/mo | $93,994 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,505/mo | $83,574 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.006% | 6.775% | 0 pts ($0) | $2,502/mo | $87,822 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,574/mo | $90,098 |
FHA Streamline Refi | 0% | 640 credit score | 6.164% | 6.936% | 0 pts ($0) | $2,637/mo | $93,060 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.965% | 7.208% | 0 pts ($0) | $2,675/mo | $96,941 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,658/mo | $52,032 |
Investment Property 25% Down | 25% | 740 credit score | 7.585% | 7.625% | 0 pts ($0) | $2,246/mo | $71,499 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,289/mo | $71,549 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,470/mo | $75,735 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.379% | 7.154% | 0 pts ($0) | $2,603/mo | $92,500 |
Second Home 10% Down | 10% | 720 credit score | 6.029% | 6.603% | 0 pts ($0) | $2,299/mo | $77,627 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,234/mo | $69,081 |
VA 0% Down | 0% | 700 credit score | 6.001% | 6.244% | 0 pts ($0) | $2,602/mo | $85,810 |
VA Cash-Out Refi | 0% | 640 credit score | 6.012% | 6.379% | 0 pts ($0) | $2,605/mo | $85,953 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.035% | 6.186% | 0 pts ($0) | $2,611/mo | $86,253 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,337/mo | $73,948 |
Frequently Asked Questions
What are today's mortgage rates in Rangely School District RE-4, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Rangely School District RE-4, CO is 6.871% (with an estimated monthly payment of $2,538). Active program rates also include FHA 30-year fixed loans at 6.006% and VA 0%-down fixed loans at 6.001%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Rangely School District RE-4, 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 Rangely School District RE-4, CO have fluctuated between a low of 6.493% and a high of 6.953%. 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 Rangely School District RE-4, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $424,783 in Rangely School District RE-4, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $84,957 but keeps your monthly payment lower at $2,538/mo (at 6.871% interest) with no monthly PMI. In comparison, an FHA loan requires only $14,867 (3.5% down) but has an estimated payment of $2,846/mo (at 6.006% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $409,916 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 Rangely School District RE-4 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Rangely School District RE-4 is $806,501. With a typical local home value of $424,783 in , a standard 20%-down mortgage requires a loan size of $339,826. 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 Rangely School District RE-4, CO impact estimated mortgage payments?
The median home value in Rangely School District RE-4, CO is estimated at $424,783. Buying a typical home here with a standard 20% down payment ($84,957) translates to an estimated starting monthly mortgage payment of $2,538 (principal and interest). Compared to the local area median household income of $88,992 ($7,416/mo), this basic housing payment represents approximately 34.2% 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.