Today's Mortgage Rates

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Whether you're purchasing an estate home in the Mile High City, or refinancing your ski condo in Aspen, you can find a great rate on your Colorado mortgage. The basic categories of home financing are: fixed-rate mortgages (FRMs), adjustable-rate mortgages (ARMs), home equity lines of credit (HELOCs), and home equity loans.

FRMs, ARMs, HELOCs, and home equity loans come in many shapes and sizes. Fortunately, has the resources to help you find, understand, and evaluate your mortgage loan options. You can browse and compare mortgage rates, calculate loan payments, review amortization tables, and find brokers and lenders. Before you get too deep into the process, however, take a moment to clarify your cost savings objective. With mortgages, you can save money in different ways-with the lowest payment, the lowest fixed rate of interest, or the lowest overall interest costs.


Colorado Rate Map

This Rate Map for the state of Colorado shows the rates that individual borrowers were able to obtain on refinanced and home purchase mortgages. Each balloon represents a single mortgage – click on them to see what kind of rates borrowers are getting in your area.

Use the options in the column at left to sort your choices by location and credit score. Individual balloons also feature information on loan size, loan-to-value ratio, loan type, lender and more.

If you recently obtained or refinanced a mortgage and would like to anonymously share information about the terms you were able to get, just click on “Share Your Rate” above the map. Your fellow borrowers will thank you!

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 NOTE: cannot guarantee the accuracy of the data provided as it is submitted by our visitors.

Understanding the Different Types of Mortgage Loans

Your search for the right mortgage will be more efficient if you understand, early on, how each loan type works. FRMs are the safest, most conventional mortgage loan. They carry the same rate of interest throughout the loan's life, which is usually 30 years. ARMs usually start with a low rate, but are subject to rate increases or decreases later on. HELOCs and home equity loans are both second mortgages; HELOCs have adjustable interest, and home equity loans have fixed interest. Rates on second mortgages are usually higher than rates on first mortgages.

Mortgage Refinancing

A mortgage refinance pays off your existing mortgage and replaces it with a new, more suitable loan. You might consider refinancing if you need to:

  • Reduce your monthly payment
  • Fund a home improvement project
  • Consolidate debt

Reducing your monthly payment is easiest if market interest rates are lower than the rate you're currently paying. If they aren't, you might be able to lower the payment by extending the loan's maturity date. You can fund a home improvement, or consolidate debt, with what's called a cash-out refinance. This requires that you have sufficient equity available in the home.

Comparison Shopping, Step by Step

Comparison shopping is the best way to get a great deal on your Colorado mortgage or mortgage refinance. Here are the steps of the process:

  1. Review and compare rates from Colorado lenders
  2. Calculate payments and review amortization tables
  3. Locate suitable lenders and brokers in Colorado
  4. Submit loan applications and receive quotes

You can use a lender's advertised rates as a guideline; but don't be too surprised if you're offered a different rate. A lender's published rate is usually the best available, which is offered only to the most qualified applicants. Also, be careful that you compare your mortgage loan options on all terms, including whether they require points, and if they have fixed or variable interest.