Current mortgage rates for a 647 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. 647 is a slightly below average credit score. Because lenders consider borrowers with this credit score a moderate risk, you may have fewer loan options and should expect to see a moderate to large pricing impact to the rates you are offered.

Here are current mortgage rates for borrowers with a 647 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: 637 FICO | 657 FICO

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Conventional Mortgage

Monthly payments
$1,008
APR
5.430% Rate: 5.375%
Term
30-Year Fixed
Fees or (credits)
$609

Conventional Mortgage

Monthly payments
$994
APR
5.310% Rate: 5.250%
Term
30-Year Fixed
Fees or (credits)
$1,208

Conventional Mortgage

Monthly payments
$1,022
APR
5.555% Rate: 5.500%
Term
30-Year Fixed
Fees or (credits)
($136)

Conventional Mortgage

Monthly payments
$1,036
APR
5.681% Rate: 5.625%
Term
30-Year Fixed
Fees or (credits)
($982)

Conventional Mortgage

Monthly payments
$1,309
APR
3.840% Rate: 3.750%
Term
15-Year Fixed
Fees or (credits)
$307

Conventional Mortgage

Monthly payments
$1,298
APR
3.714% Rate: 3.625%
Term
15-Year Fixed
Fees or (credits)
$724

Conventional Mortgage

Monthly payments
$1,320
APR
3.965% Rate: 3.875%
Term
15-Year Fixed
Fees or (credits)
($61)

Conventional Mortgage

Monthly payments
$1,331
APR
4.090% Rate: 4.000%
Term
15-Year Fixed
Fees or (credits)
($916)

Conventional Mortgage

Monthly payments
$1,213
APR
5.324% Rate: 5.250%
Term
20-Year Fixed
Fees or (credits)
$38

Conventional Mortgage

Monthly payments
$1,200
APR
5.198% Rate: 5.125%
Term
20-Year Fixed
Fees or (credits)
$555

FHA Mortgage

Monthly payments
$846
APR
3.925% Rate: 3.875%
Term
30-Year Fixed FHA
Fees or (credits)
$10

FHA Mortgage

Monthly payments
$834
APR
3.800% Rate: 3.750%
Term
30-Year Fixed FHA
Fees or (credits)
$483

FHA Mortgage

Monthly payments
$859
APR
4.051% Rate: 4.000%
Term
30-Year Fixed FHA
Fees or (credits)
($543)

FHA Mortgage

Monthly payments
$872
APR
4.176% Rate: 4.125%
Term
30-Year Fixed FHA
Fees or (credits)
($889)

FHA Mortgage

Monthly payments
$1,091
APR
4.070% Rate: 4.000%
Term
20-Year Fixed FHA
Fees or (credits)
$285

FHA Mortgage

Monthly payments
$1,079
APR
3.945% Rate: 3.875%
Term
20-Year Fixed FHA
Fees or (credits)
$838

FHA Mortgage

Monthly payments
$1,103
APR
4.196% Rate: 4.125%
Term
20-Year Fixed FHA
Fees or (credits)
($61)

FHA Mortgage

Monthly payments
$1,115
APR
4.321% Rate: 4.250%
Term
20-Year Fixed FHA
Fees or (credits)
($536)

FHA Mortgage

Monthly payments
$1,309
APR
3.840% Rate: 3.750%
Term
15-Year Fixed FHA
Fees or (credits)
$487

FHA Mortgage

Monthly payments
$1,298
APR
3.735% Rate: 3.625%
Term
15-Year Fixed FHA
Fees or (credits)
$1,343

FHA Mortgage

Monthly payments
$1,320
APR
3.965% Rate: 3.875%
Term
15-Year Fixed FHA
Fees or (credits)
($208)

FHA Mortgage

Monthly payments
$1,331
APR
4.090% Rate: 4.000%
Term
15-Year Fixed FHA
Fees or (credits)
($547)

VA Mortgage

Monthly payments
$846
APR
3.925% Rate: 3.875%
Term
30-Year Fixed VA
Fees or (credits)
$172

VA Mortgage

Monthly payments
$834
APR
3.800% Rate: 3.750%
Term
30-Year Fixed VA
Fees or (credits)
$645

VA Mortgage

Monthly payments
$859
APR
4.051% Rate: 4.000%
Term
30-Year Fixed VA
Fees or (credits)
($381)

VA Mortgage

Monthly payments
$872
APR
4.176% Rate: 4.125%
Term
30-Year Fixed VA
Fees or (credits)
($727)

VA Mortgage

Monthly payments
$1,343
APR
4.215% Rate: 4.125%
Term
15-Year Fixed VA
Fees or (credits)
$199

VA Mortgage

Monthly payments
$1,331
APR
4.090% Rate: 4.000%
Term
15-Year Fixed VA
Fees or (credits)
$479

VA Mortgage

Monthly payments
$1,354
APR
4.341% Rate: 4.250%
Term
15-Year Fixed VA
Fees or (credits)
($311)

VA Mortgage

Monthly payments
$1,366
APR
4.466% Rate: 4.375%
Term
15-Year Fixed VA
Fees or (credits)
($754)
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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, 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 3.3% 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.

If the loan amount exceeds 80% of the purchase price or estimated value on the conventional loan type, mortgage insurance may be required and could increase the monthly payment and APR.

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.