Current mortgage rates in Colorado for a 90% LTV loan

A loan-to-value ratio or LTV is a strong indicator of risk for the lender. It's a simple calculation of your loan amount divided by your purchase price. For a purchase, the amount of your down payment can reduce your LTV, but putting down the maximum that you can afford is not necessarily the best LTV strategy. Make sure to work with your Loan Coach to pick the best LTV for your situation. Use the guide below to learn more about how your LTV impacts your mortgage or checkout current mortgage rates across LTV ranges.

Interactive LTV Guide

95-100%: Your current LTV poses the highest risk to the lender so your approval chances will dramatically decrease but you get to put down the least amount of funds to close. This LTV does come with the extra added cost from private mortgage insurance (PMI), so make sure to factor that into your budget.

90-95%: Your current LTV poses a higher risk to the lender so your approval chances will decrease but you get to put down even less funds to close. This LTV does come with the extra added cost from private mortgage insurance (PMI), so make sure to factor that into your budget.

80-90%: Your current LTV poses moderate risk to the lender so your approval chances may decrease but you get to put down less funds to close. This LTV does come with the extra added cost from private mortgage insurance (PMI), so make sure to factor that into your budget.

60-80%: Your current LTV poses minimal risk to the lender so your approval chances will increase. You're also avoiding private mortgage insurance (PMI) so determine if putting down extra funds is worth the benefit of avoiding PMI.

less than 60%: Putting down 40% or more reduces the risk on your loan so the lender will reward you with the best pricing as reflected in your rate and/or fees.

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30-Year Fixed FHA

Monthly payments
$759
Fees or (credits)
$844
Rate
3.000%
APR
3.044%

25-Year Fixed FHA

Monthly payments
$854
Fees or (credits)
$1,004
Rate
3.000%
APR
3.051%

5/1 ARM

Monthly payments
$821
Fees or (credits)
$2,331
Rate
3.625%
APR
3.875%

10/1 ARM

Monthly payments
$821
Fees or (credits)
$2,129
Rate
3.625%
APR
3.866%

30-Year Fixed

Monthly payments
$834
Fees or (credits)
$839
Rate
3.750%
APR
3.940%

7/1 ARM

Monthly payments
$834
Fees or (credits)
$657
Rate
3.750%
APR
3.940%

25-Year Fixed

Monthly payments
$925
Fees or (credits)
$954
Rate
3.750%
APR
3.935%

20-Year Fixed FHA

Monthly payments
$998
Fees or (credits)
$1,118
Rate
3.000%
APR
3.069%

20-Year Fixed

Monthly payments
$1,044
Fees or (credits)
$1,566
Rate
3.500%
APR
3.666%

15-Year Fixed

Monthly payments
$1,265
Fees or (credits)
$806
Rate
3.250%
APR
3.390%

10-Year Fixed

Monthly payments
$1,748
Fees or (credits)
$763
Rate
3.125%
APR
3.297%
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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.