Current mortgage rates for Colorado FHA loans

An FHA loan is a mortgage that is insured by the Federal Housing Administration (FHA) and it can be originated by any lender that is FHA-approved. Because this loan is backed by the government they are able to offer loan products with credit scores as low as 500 (conventional is typically capped at 620). Pricing is risk-based but only based on credit score, whereas conventional pricing includes your loan-to-value ratio (LTV). If you have a credit score that's less than 700 with an LTV above 80% an FHA loan might make more sense financially than a conventional loan.

Below are current mortgage rates for a FHA loan in Colorado for a purchasing a single family primary residence with a $403,750 loan amount and 5% down and a 740 and above credit range. Keep in mind that there are eligibility requirements for VA loans. You can compare these rates to Conventional and VA loans or visit our mortgage finder to customize pricing for your specific needs.

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30-Year Fixed FHA

Mortgage payments
$1,569
Fees or (credits)
$2,731
Rate
2.375%
APR
2.841%

30-Year Fixed Super Conventional

Mortgage payments
$1,622
Fees or (credits)
$5,153
Rate
2.625%
APR
2.909%

30-Year Fixed Elite FHA

Mortgage payments
$1,648
Fees or (credits)
$2,250
Rate
2.750%
APR
3.228%

30-Year Fixed

Mortgage payments
$1,675
Fees or (credits)
$1,471
Rate
2.875%
APR
3.087%

30-Year Fixed HomeReady

Mortgage payments
$1,675
Fees or (credits)
$1,471
Rate
2.875%
APR
3.076%

30-Year Fixed Home Possible

Mortgage payments
$1,675
Fees or (credits)
$1,471
Rate
2.875%
APR
3.076%

30-Year Fixed FHA

Mortgage payments
$1,702
Fees or (credits)
$2,537
Rate
3.000%
APR
3.495%

30-Year Fixed

Mortgage payments
$1,730
Fees or (credits)
$2,153
Rate
3.125%
APR
3.363%

30-Year Fixed HomeReady

Mortgage payments
$1,730
Fees or (credits)
$1,144
Rate
3.125%
APR
3.326%

30-Year Fixed Home Possible

Mortgage payments
$1,730
Fees or (credits)
$1,144
Rate
3.125%
APR
3.326%

30-Year Fixed FHA

Mortgage payments
$2,046
Fees or (credits)
$6,756
Rate
4.500%
APR
5.182%

15-Year Fixed

Mortgage payments
$2,645
Fees or (credits)
$3,946
Rate
2.250%
APR
2.482%

15-Year Fixed Super Conventional

Mortgage payments
$2,645
Fees or (credits)
$4,467
Rate
2.250%
APR
2.496%

15-Year Fixed FHA

Mortgage payments
$2,692
Fees or (credits)
$2,226
Rate
2.500%
APR
2.885%

15-Year Fixed

Mortgage payments
$2,764
Fees or (credits)
$1,156
Rate
2.875%
APR
3.010%

15-Year Fixed FHA

Mortgage payments
$2,788
Fees or (credits)
$7,660
Rate
3.000%
APR
3.597%

15-Year Fixed Elite FHA

Mortgage payments
$2,788
Fees or (credits)
$4,027
Rate
3.000%
APR
3.462%
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Pricing Assumptions

Interest rates, annual percentage rates (APRs), monthly payments, lifetime cost, 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, lifetime cost, 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, lifetime cost and products may be different from what is shown here.

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

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

The APR, monthly payments, lifetime cost, 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, lifetime cost, and APR.

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

Mortgage 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, lifetime cost, 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, lifetime cost, and APR.