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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.
See Safe Rate's top scoring lenders for Sierra Grande School District R-30
We rank active Sierra Grande School District R-30 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 | 6.907%APR 6.939% | 0 pts$0 | $1,907/moP&I $1,907 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.047%APR 6.814% | 0 pts$0 | $1,909/moP&I $1,774 · MI $135 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.012%APR 6.058% | 0 pts$0 | $1,737/moP&I $1,737 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.867%APR 6.900% | 0 pts$0 | $1,899/moP&I $1,899 · MI $0 | See details |
| Investment Property FixedConforming | 7.611%APR 7.648% | 0 pts$0 | $2,045/moP&I $2,045 · 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 | 6.012% | 6.058% | 0 pts ($0) | $2,443/mo | $48,862 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.999% | 6.046% | 0 pts ($0) | $3,052/mo | $67,994 |
Condo 10% Down | 10% | 720 credit score | 7.162% | 7.327% | 0 pts ($0) | $2,201/mo | $77,197 |
Conventional 10% Down | 10% | 720 credit score | 6.604% | 6.756% | 0 pts ($0) | $2,080/mo | $71,724 |
Conventional 20% Down | 20% | 740 credit score | 6.907% | 6.939% | 0 pts ($0) | $1,907/mo | $59,017 |
Conventional 5% Down | 5% | 700 credit score | 7.025% | 7.499% | 0 pts ($0) | $2,292/mo | $80,067 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.334% | 7.369% | 0 pts ($0) | $2,488/mo | $85,481 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,140/mo | $72,516 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.817% | 7.189% | 0 pts ($0) | $2,291/mo | $82,711 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.867% | 6.900% | 0 pts ($0) | $2,374/mo | $80,388 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,984/mo | $71,157 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.047% | 6.814% | 0 pts ($0) | $2,140/mo | $75,211 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,191/mo | $76,711 |
FHA Streamline Refi | 0% | 640 credit score | 6.238% | 7.008% | 0 pts ($0) | $2,263/mo | $80,052 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.992% | 7.232% | 0 pts ($0) | $2,284/mo | $82,817 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,263/mo | $44,301 |
Investment Property 25% Down | 25% | 740 credit score | 7.611% | 7.648% | 0 pts ($0) | $1,917/mo | $61,089 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $1,949/mo | $60,919 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,103/mo | $64,482 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.424% | 7.197% | 0 pts ($0) | $2,227/mo | $79,237 |
Second Home 10% Down | 10% | 720 credit score | 5.956% | 6.525% | 0 pts ($0) | $1,942/mo | $65,379 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,902/mo | $58,817 |
VA 0% Down | 0% | 700 credit score | 6.041% | 6.282% | 0 pts ($0) | $2,225/mo | $73,504 |
VA Cash-Out Refi | 0% | 640 credit score | 6.052% | 6.417% | 0 pts ($0) | $2,227/mo | $73,627 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.076% | 6.225% | 0 pts ($0) | $2,233/mo | $73,893 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,990/mo | $62,961 |
Frequently Asked Questions
What are today's mortgage rates in Sierra Grande School District R-30, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Sierra Grande School District R-30, CO is 6.907% (with an estimated monthly payment of $2,340). Active program rates also include FHA 30-year fixed loans at 6.047% and VA 0%-down fixed loans at 6.041%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Sierra Grande School District R-30, 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 Sierra Grande School District R-30, CO have fluctuated between a low of 6.509% and a high of 6.970%. 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 Sierra Grande School District R-30, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $361,670 in Sierra Grande School District R-30, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $72,334 but keeps your monthly payment lower at $2,340/mo (at 6.907% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,658 (3.5% down) but has an estimated payment of $2,626/mo (at 6.047% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $349,012 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 Sierra Grande School District R-30 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Sierra Grande School District R-30 is $806,501. With a typical local home value of $361,670 in , a standard 20%-down mortgage requires a loan size of $289,336. 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 Sierra Grande School District R-30, CO impact estimated mortgage payments?
The median home value in Sierra Grande School District R-30, CO is estimated at $361,670. Buying a typical home here with a standard 20% down payment ($72,334) translates to an estimated starting monthly mortgage payment of $2,340 (principal and interest). Compared to the local area median household income of $72,197 ($6,016/mo), this basic housing payment represents approximately 38.9% 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.