Current mortgage rates for a 626 credit score in Colorado

Credit scores play a huge role in the world of mortgages. They can impact which loan products you qualify for as well as determine the pricing (APR) for your loan. 626 is a slightly below average credit score. Because lenders consider borrowers with this credit score a higher risk, you may have fewer loan options and should expect to see a large pricing impact to the rates you are offered.

Here are current mortgage rates for borrowers with a 626 FICO credit score assuming a purchase transaction in Colorado for a single family primary residence, a $180,000 loan amount and 10% down. Below are our best current mortgage rates for Conventional, FHA and VA loans or visit our mortgage finder to customize pricing for your specific needs.

Explore mortgage options with other credit scores: 616 FICO | 636 FICO

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5/1 ARM

Monthly payments
$821
Fees or (credits)
$7,085
Rate
3.625%
APR
3.955%

10/1 ARM

Monthly payments
$821
Fees or (credits)
$6,725
Rate
3.625%
APR
3.937%

5/1 ARM FHA

Monthly payments
$834
Fees or (credits)
$6,968
Rate
3.750%
APR
4.079%

5/1 ARM VA

Monthly payments
$834
Fees or (credits)
$7,652
Rate
3.750%
APR
4.112%

30-Year Fixed FHA

Monthly payments
$859
Fees or (credits)
$433
Rate
4.000%
APR
4.047%

30-Year Fixed VA

Monthly payments
$859
Fees or (credits)
$775
Rate
4.000%
APR
4.047%

30-Year Fixed FHA

Monthly payments
$872
Fees or (credits)
$320
Rate
4.125%
APR
4.168%

30-Year Fixed VA

Monthly payments
$885
Fees or (credits)
$1,435
Rate
4.250%
APR
4.313%

5/1 ARM FHA

Monthly payments
$899
Fees or (credits)
$952
Rate
4.375%
APR
4.425%

5/1 ARM VA

Monthly payments
$899
Fees or (credits)
$2,129
Rate
4.375%
APR
4.479%

7/1 ARM

Monthly payments
$912
Fees or (credits)
$3,593
Rate
4.500%
APR
4.672%

25-Year Fixed VA

Monthly payments
$913
Fees or (credits)
$1,611
Rate
3.625%
APR
3.707%

5/1 ARM

Monthly payments
$925
Fees or (credits)
$9,188
Rate
4.625%
APR
5.077%

7/1 ARM

Monthly payments
$939
Fees or (credits)
$7,865
Rate
4.750%
APR
5.141%

10/1 ARM

Monthly payments
$939
Fees or (credits)
$8,574
Rate
4.750%
APR
5.178%

25-Year Fixed FHA

Monthly payments
$963
Fees or (credits)
$459
Rate
4.125%
APR
4.183%

30-Year Fixed

Monthly payments
$966
Fees or (credits)
$3,231
Rate
5.000%
APR
5.157%

30-Year Fixed

Monthly payments
$1,008
Fees or (credits)
$1,509
Rate
5.375%
APR
5.451%

25-Year Fixed

Monthly payments
$1,052
Fees or (credits)
$3,330
Rate
5.000%
APR
5.186%

20-Year Fixed VA

Monthly payments
$1,067
Fees or (credits)
$1,409
Rate
3.750%
APR
3.838%

20-Year Fixed FHA

Monthly payments
$1,103
Fees or (credits)
$569
Rate
4.125%
APR
4.193%

20-Year Fixed

Monthly payments
$1,139
Fees or (credits)
$3,289
Rate
4.500%
APR
4.719%

20-Year Fixed FHA

Monthly payments
$1,163
Fees or (credits)
$67
Rate
4.750%
APR
4.820%

20-Year Fixed

Monthly payments
$1,200
Fees or (credits)
$1,302
Rate
5.125%
APR
5.208%

15-Year Fixed

Monthly payments
$1,276
Fees or (credits)
$922
Rate
3.375%
APR
3.458%

15-Year Fixed

Monthly payments
$1,287
Fees or (credits)
$1,246
Rate
3.500%
APR
3.604%

15-Year Fixed VA

Monthly payments
$1,287
Fees or (credits)
$2,020
Rate
3.500%
APR
3.667%

15-Year Fixed FHA

Monthly payments
$1,309
Fees or (credits)
$740
Rate
3.750%
APR
3.832%

15-Year Fixed FHA

Monthly payments
$1,320
Fees or (credits)
$571
Rate
3.875%
APR
3.963%

15-Year Fixed VA

Monthly payments
$1,377
Fees or (credits)
$217
Rate
4.500%
APR
4.592%

10-Year Fixed

Monthly payments
$1,769
Fees or (credits)
$625
Rate
3.375%
APR
3.487%

10-Year Fixed

Monthly payments
$1,780
Fees or (credits)
$1,379
Rate
3.500%
APR
3.663%
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Pricing Assumptions

Interest rates, annual percentage rates (APRs), monthly payments, and fees or credits, shown here are valid as of today and are subject to change without notice.

Loan assumptions: monthly payments, interest rates, APRs, fees or credits, and products are based on the information you provided, including loan type, amortization type, transaction type, state, loan amount, down payment, purchase price or estimated value, credit score, property type, occupancy type, first time homebuyer status, and military status and are subject to verification. Should your credit score or other information you provided differ from what we verify, the actual monthly payments, interest rates, APRs, fees or credits, and products may be different from what is shown here.

Your APR will vary based on your final loan amount and finance charges.

The APR on all ARM products does not include potential payment changes that will occur once the initial fixed period is over.

The APR, monthly payments, and credits and fees for the VA products do not include the required VA Funding Fee. The VA Funding Fee can range from .5% to 3.6% of your loan amount depending on several factors including but not limited to down payment amount, first time or subsequent use of a VA loan, and transaction type. The addition of the VA Funding Fee on VA loans could increase the monthly payments, fees, and APR.

These rate quotes are not a commitment to lend. Any loan is subject to credit approval.

Payment amounts include principal and interest only and do not include homeowner's insurance, flood insurance (if applicable), mortgage insurance (if applicable) or property taxes that must be paid in addition to your loan payment.

Fees or credits shown are a combination of charges and points from the lender for the cost of originating the loan. These fees are commonly labeled as Origination, Application, Processing, Underwriting, or Administration fees on the Loan Estimate. These fees do not include all costs associated with originating your mortgage. Please visit the Consumer Financial Protection Bureau's website for more information on common costs associated with taking out a mortgage loan.

The APR, monthly payments, and credits and fees for the FHA products do not include the required upfront mortgage insurance premium and the required annual mortgage insurance premium (collectively known as MIP). The upfront MIP is 1.75% of your loan amount and the annual MIP will vary in amount and duration depending on several factors including but not limited to loan amount, value and loan term. The addition of MIP on FHA loans could increase the monthly payments, fees, and APR.