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.
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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 | 6.835%APR 6.865% | 0 pts$0 | $3,940/moP&I $3,940 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.954%APR 6.718% | 0 pts$0 | $3,937/moP&I $3,656 · MI $281 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.885%APR 5.926% | 0 pts$0 | $3,566/moP&I $3,566 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.803%APR 6.833% | 0 pts$0 | $3,928/moP&I $3,928 · MI $0 | See details |
| Investment Property FixedConforming | 7.494%APR 7.528% | 0 pts$0 | $4,209/moP&I $4,209 · 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 | 5.885% | 5.926% | 0 pts ($0) | $5,045/mo | $99,494 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.871% | 5.913% | 0 pts ($0) | $6,300/mo | $138,743 |
Condo 10% Down | 10% | 720 credit score | 7.029% | 7.188% | 0 pts ($0) | $4,521/mo | $157,972 |
Conventional 10% Down | 10% | 720 credit score | 6.514% | 6.662% | 0 pts ($0) | $4,289/mo | $147,460 |
Conventional 20% Down | 20% | 740 credit score | 6.835% | 6.865% | 0 pts ($0) | $3,940/mo | $121,540 |
Conventional 5% Down | 5% | 700 credit score | 6.960% | 7.431% | 0 pts ($0) | $4,739/mo | $165,260 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.259% | 7.291% | 0 pts ($0) | $5,140/mo | $176,229 |
Conventional High Balance | 10% | 740 credit score | 7.030% | 7.059% | 0 pts ($0) | $4,521/mo | $153,927 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.714% | 7.081% | 0 pts ($0) | $4,719/mo | $169,899 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.803% | 6.833% | 0 pts ($0) | $4,909/mo | $165,880 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,212/mo | $148,116 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.954% | 6.718% | 0 pts ($0) | $4,410/mo | $154,488 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,561/mo | $159,677 |
FHA Streamline Refi | 0% | 640 credit score | 6.068% | 6.833% | 0 pts ($0) | $4,626/mo | $162,716 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.934% | 7.171% | 0 pts ($0) | $4,727/mo | $171,137 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,710/mo | $92,214 |
Investment Property 25% Down | 25% | 740 credit score | 7.494% | 7.528% | 0 pts ($0) | $3,946/mo | $125,165 |
Jumbo Conforming | 20% | 760 credit score | 7.120% | 7.149% | 0 pts ($0) | $4,056/mo | $126,714 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,377/mo | $134,222 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.315% | 7.084% | 0 pts ($0) | $4,583/mo | $162,511 |
Second Home 10% Down | 10% | 720 credit score | 5.966% | 6.533% | 0 pts ($0) | $4,047/mo | $136,293 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,960/mo | $122,429 |
VA 0% Down | 0% | 700 credit score | 5.953% | 6.190% | 0 pts ($0) | $4,587/mo | $150,969 |
VA Cash-Out Refi | 0% | 640 credit score | 5.958% | 6.319% | 0 pts ($0) | $4,590/mo | $151,084 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.970% | 6.116% | 0 pts ($0) | $4,596/mo | $151,361 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,143/mo | $131,055 |
Frequently Asked Questions
What are today's mortgage rates in South Routt School District RE-3, CO across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in South Routt School District RE-3, CO is 6.835% (with an estimated monthly payment of $3,564). Active program rates also include FHA 30-year fixed loans at 5.954% and VA 0%-down fixed loans at 5.953%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in South Routt School District RE-3, 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 South Routt School District RE-3, CO have fluctuated between a low of 6.438% and a high of 6.898%. 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 South Routt School District RE-3, CO?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $752,829 in South Routt School District RE-3, CO, a standard 20%-down Conventional loan requires an upfront cash down payment of $150,566 but keeps your monthly payment lower at $3,564/mo (at 6.835% interest) with no monthly PMI. In comparison, an FHA loan requires only $26,349 (3.5% down) but has an estimated payment of $3,988/mo (at 5.954% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $726,480 falls comfortably within the local HUD FHA loan limit of $865,753 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in South Routt School District RE-3 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in South Routt School District RE-3 is $806,501. With a typical local home value of $752,829 in , a standard 20%-down mortgage requires a loan size of $602,263. 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 South Routt School District RE-3, CO impact estimated mortgage payments?
The median home value in South Routt School District RE-3, CO is estimated at $752,829. Buying a typical home here with a standard 20% down payment ($150,566) translates to an estimated starting monthly mortgage payment of $3,564 (principal and interest). Compared to the local area median household income of $119,918 ($9,993/mo), this basic housing payment represents approximately 35.7% 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.