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Colorado Fixed Mortgage Rates

img Colorado Average img National High img National Low img
Loan Type Base Rate APY Points Base Rate APY Points Base Rate APY Points
5.250 5.250 1.000 6.500 6.500 0.000 3.875 4.125 2.125
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4.375 4.399 N/A 6.625 6.500 0.125 3.750 4.000 1.625
4.750 4.750 0.000 6.125 6.125 0.125 3.375 3.625 1.500
4.000 4.031 N/A 6.125 6.125 0.000 3.250 3.750 1.625

Colorado Adjustable Mortgage Rates

img Colorado Average img National High img National Low img
Loan Type Base Rate APY Points Base Rate APY Points Base Rate APY Points
4.250 4.027 2.000 4.750 4.188 0.125 3.750 3.813 3.250
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No SSN Required

3.875 3.500 0.250 6.875 5.000 0.125 2.750 3.125 2.500
3.750 3.375 1.000 6.375 4.500 0.125 2.375 3.125 2.375
3.250 5.625 0.000 6.125 4.250 0.000 2.500 3.250 1.000
2.500 3.000 0.000 8.125 3.625 2.125 2.375 3.000 0.000
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Mortgage Rates at 4.25%*

  • $150,000 loan for under $867/month
  • $225,000 loan for under $1,301/month
  • $350,000 loan for under $2,023/month
 

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National vs Colorado 10/1 ARM Mortgage Monthly Payments

Loan Amount img Colorado Average img National High img National Low img  
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No SSN Required

$737.91                      $782.47                      $694.67                     
$836.30                      $886.80                      $787.30                     
$2,016.95                      $2,138.75                      $1,898.77                     

National vs Colorado 30-yr. fixed Mortgage Monthly Payments

Loan Amount img Colorado Average img National High img National Low img  
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No SSN Required

$748.93                      $960.47                      $694.67                     
$848.78                      $1,088.53                      $787.30                     
$2,047.07                      $2,625.27                      $1,898.77                     

National vs Colorado 15-yr. fixed Mortgage Monthly Payments

Loan Amount img Colorado Average img National High img National Low img  
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No SSN Required

$1,109.53                      $1,275.94                      $1,054.00                     
$1,257.47                      $1,446.06                      $1,194.54                     
$3,032.72                      $3,487.56                      $2,880.94                     

National vs Colorado 5/1 ARM Mortgage Monthly Payments

Loan Amount img Colorado Average img National High img National Low img  
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No SSN Required

$694.67                      $935.80                      $582.98                     
$787.30                      $1,060.58                      $660.71                     
$1,898.77                      $2,557.87                      $1,593.48                     

National vs Colorado 3/1 ARM Mortgage Monthly Payments

Loan Amount img Colorado Average img National High img National Low img  
Calculate New Payment

No SSN Required

$652.81                      $911.42                      $592.68                     
$739.85                      $1,032.94                      $671.71                     
$1,784.35                      $2,491.20                      $1,620.00                     

National vs Colorado 1-yr. ARM Mortgage Monthly Payments

Loan Amount img Colorado Average img National High img National Low img  
Calculate New Payment

No SSN Required

$592.68                      $1,113.75                      $582.98                     
$671.71                      $1,262.25                      $660.71                     
$1,620.00                      $3,044.24                      $1,593.48                     
Source: U.S. Department of Housing and Urban Development - Mar 31, 2009

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Average Rates

15-yr fixed*

4.0%

30-yr fixed*

4.375%

Whether you're buying your first home or already own your home, homeownership education is for you.

  • Adams County Housing Authority - Homeownership or Program HOTLINE (303) 227-2089
  • Aurora - Home Ownership Assistance Program - Free seminars - required when applying for down payment and closing cost assistance from the City of Aurora. Call (303) 739-7900 for reservations.
  • Boulder County Housing Authority - Free Home Buyer Training and Financial Fitness courses in English and Spanish. (720) 564-2279
  • Homeownership and Financial Fitness Class Calendar
  • Brothers Redevelopment, Inc.- free homebuyers education workshops in English and Spanish, call 303-202-6340 for more information
  • Carbondale - Mountain Regional Housing Corporation - Homebuyer Education Classes (970) 963-9606
  • Colorado Housing Assistance Corporation (CHAC) - provides homeownership classes statewide, some classes are for persons with disabilities
  • Colorado Housing Enterprise - provides homebuyer workshops, financial fitness classes, and home maintenance classes
  • Colorado Housing and Finance Authority (CHFA) - maintains a current schedule for homebuyer education classes throughout the state, some agencies provide classes in Spanish and some provide specialized counseling for persons with disabilities.
  • Pueblo - Neighborhood Housing Services - Affordable Housing Program (719) 544-8078
Home Repairs: Colorado

The programs and resources listed below help homeowners with home repairs and improvements.

Counties

  • Adams County - Housing Rehabilitation Program (303) 453-8509 or (303) 453-8510
  • Broomfield County - Housing Rehabilitation Program - contact Longs Peak Energy Conservation or call (303) 441-1716
  • Cheyenne, Elbert, Kit Carson and Lincoln counties - Prairie Development Corp. Owner occupant housing rehabilitation loans (719) 348-5562 or (800) 825-0208
  • El Paso County - Single Family Housing Rehabilitation Program - financing available for eligible homeowners outside the city limits of Colorado Springs, or call (719) 520-6480
  • Fremont, Chaffee, Custer and Lake counties - Upper Arkansas Area Council of Governments - Housing Rehabilitation Loan Program (719) 275-4191 ext. 111
  • Larimer County - Larimer Home Improvement Program (970) 667-1706
  • Jefferson County - Jefferson County Housing Authority - Housing Rehabilitation Program (303) 422-8600 Ext 26 or Ext 29

Cities

  • Arvada - The Essential Home Repairs Program (720) 898-7494
  • Aurora - Single Family Housing Rehabilitation Loan Program (303) 739-7900
  • Boulder - Home Repair Programs or call the Long's Peak Energy Conservation at (303) 440-9373
  • Colorado Springs - Housing Rehabilitation Program (719) 385-5912 or (719) 385-6877
  • Commerce City - Housing Rehabilitation Loan Program (303) 289-3698
  • Denver - Denver Urban Renewal Authority (303) 534-3872
  • Denver - Del Norte Neighborhood Development Corporation - Owner occupied Home Rehabilitation Program (303) 477-4774 or TDD - 1 (800) 659-2656
  • Englewood - the Community Development Department offers a number of housing programs (303) 762-2342
  • Greeley - Housing Rehabilitation Program (970) 350-9380
  • Lakewood - Jefferson County Housing Authority - Housing Rehabilitation Program (303) 422-8600 Ext. 26 or Ext. 29
  • Littleton - Housing Rehabilitation Program (303) 794-9623 ext. 107
  • Longmont - Housing rehabilitation program - or call Long's Peak Energy Conservation (303) 441-1716
  • Pueblo - Neighborhood Improvement Program (719) 583-4477
  • NeighborWorks of Pueblo - Housing Rehabilitation Program (719) 544-8078
  • Westminister - Housing Rehabilitation Loan Program (303) 453-8500 or TDD (303) 453-8686
U.S. Department of Housing and Urban Development VeriSign

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*Mortgage Rate of 4.25% is for qualified borrowers for a 10-year fixed rate mortgage to refinance an owner-occupied, one-unit, single family dwelling for a loan of $165,000 to $417,000 ($165,000 to $625,500 in Alaska and Hawaii). If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types. Not all service providers in our network offer this or other products with fixed rate options.

**This advertised rate is for qualified borrowers for to refinance an owner-occupied, one-unit, single family dwelling for a loan of $150,000, $225,000 or $350,000 with a interest only monthly payment of $867, $1301 or $2023. This is an interest only adjustable rate that is fixed for the first 12 months then is subject to increase no more than 1% every 6 months thereafter (until rate has caught up to fully indexed rate). To be eligible for this program borrower must meet applicable credit requirements, including a FICO score of at least 620. MortgageDebt.com is not acting as a lender or broker. The information provided by you to MortgageDebt.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types.

Last Updated: September 03, 2010