Welcome to the Colorado Home Mortgages (CHM) Rate Introduction Page.
At Colorado Home Mortgages (CHM), we provide this information every weekday to promote transparency and educate borrowers. Personal quotes often offer better interest rates than those displayed and can be obtained in just minutes, without any obligation or the need to provide a Social Security number for an upfront credit check. Please CALL 303-471-4445 TODAY to discover why Colorado Home Mortgages is a trusted Colorado lender.
We offer many additional loan programs, including Temporary Interest Rate Buydowns, Interest-Only Payments, 40-Year Amortizations, Non-QM loans, DSCR loans, Bank Statement Qualifying, Bridge Loan Financing, Fix & Flip loans, Down Payment Assistance up to 5%, and the option to choose your loan term. We specialize in working with self-employed borrowers, so reach out to us today and we would be happy to collaborate with your tax advisor.
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Pricing is reflected as of the January 21, 2025 morning rate sheet. Rates are subject to change without notice and often personalized quotes are better pricing than shown. Unless shown otherwise, pricing uses a standard comparison used by Mortgage News Daily (MND) of 75% LTV, 780 FICO and no other agency LLPAs.
| 30-year Fixed First-time Homebuyer 5% down payment (No ownership in last 3 years) |
| Rate | Points or Lender Credit(-) | APR | Lock Days |
| 6.375% | 1.000% | 6.642% | 30 |
| 6.500% | 0.625% | 6.731% | 30 |
| 6.625% | 0.250% | 6.821% | 30 |
| 6.750% | 0.000% | 6.922% | 30 |
| 6.875% | -0.375% | 7.011% | 30 |
| 7.250% | -1.500% | 7.275% | 30 |
The APR is calculated using a loan amount of $600,000, 95% LTV, 760 credit scores and typical fees. Eligible for First-time Homebuyers with < 120% Area Median Income. |
| 30-year Fixed Conforming Purchase with 75% LTV and previous ownership (MND) |
| Rate | Points or Lender Credit(-) | APR | Lock Days |
| 6.375% | 1.250% | 6.531% | 30 |
| 6.490% | 0.875% | 6.610% | 30 |
| 6.625% | 0.250% | 6.685% | 30 |
| 6.750% | -0.125% | 6.774% | 30 |
| 6.875% | -0.500% | 6.862% | 30 |
| 7.250% | -1.500% | 7.250% | 30 |
The APR is calculated using a loan amount of $581,250, 75% LTV, 780 credit score and typical fees. *Eligible for Seller paid 2-1-0 interest rate buydown. |
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| 20-year Fixed Conforming Purchase with 75% LTV and previous ownership (MND) |
| Rate | Points or Lender Credit(-) | APR | Lock Days |
| 6.000% | 1.250% | 6.203% | 30 |
| 6.125% | 0.750% | 6.265% | 30 |
| 6.250% | 0.375% | 6.343% | 30 |
| 6.375% | 0.000% | 6.421% | 30 |
| 6.500% | -0.375% | 6.499% | 30 |
| 6.625% | -1.125% | 6.625% | 30 |
The APR is calculated using a loan amount of $581,250, 75% LTV, 780 credit score and typical fees. |
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| 15-year Fixed Conforming Purchase with 75% LTV and previous ownership (MND) |
| Rate | Points or Lender Credit(-) | APR | Lock Days |
| 5.625% | 1.000% | 5.838% | 30 |
| 5.750% | 0.750% | 5.924% | 30 |
| 5.875% | 0.375% | 5.991% | 30 |
| 5.990% | 0.125% | 6.067% | 30 |
| 6.250% | -0.375% | 6.249% | 30 |
| 6.500% | -1.000% | 6.500% | 30 |
The APR is calculated using a loan amount of $581,250, 75% LTV, 780 credit score and typical fees. |
| 30-year Fixed Jumbo |
Rate Points or Lender Credit(-) APR Lock Days |
| 6.500% | 0.750% | 6.582% | 30 |
| 6.990% | -0.879% | 6.913% | 30 |
The APR is calculated using a loan amount of $1,500,000, a 25% down payment, and typical fees. |
-| FHA 30-year Fixed APR example calculated at $482,500 base loan, financed UFMIP, and typical fees. |
| Rate | Points or Lender Credit(-) | APR | Lock Days |
5.990%
6.250% | 0.668%
-0.530% | 6.941%
7.075% | 30
30 |
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| VA 30-year Fixed 1st-time Use APR example calculated at $600,000 base loan, financed Funding Fee, and typical fees. |
| Rate | Points or Lender Credit(-) | APR | Lock Days |
5.875%
6.375% | 0.750%
-0.625% | 6.174%
6.547% | 30
30 |
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Conforming Fixed-Rate loan pricing examples are an owner-occupied purchase transaction, debt ratio not to exceed 43%. The down payment minimum in FHA loan pricing is a 3.5% down payment on a sample $625,000 sale price, a debt ratio not to exceed 47%/55%, and a middle credit score of 720. APRs Include mortgage insurance premiums payable monthly and upfront premium paid in cash, if applicable. The down payment minimum for VA loan pricing is 0% with the Funding Fee paid in cash. Contact Colorado Home Mortgages, Inc. for specific program product descriptions. POINTS reflected INCLUDE Origination Points, if applicable. Additional programs and pricing options are available.
Mortgage services offered by Colorado Home Mortgages, Inc. may be provided as a creditor or mortgage broker and determined by the loan program and individual loan qualifications. Creditor and loan servicer are subject to change and should not be expected to be a specific lender or credit union. Colorado Home Mortgages, Inc. will utilize the best available program, creditor, investor and servicer as determined by each borrower's goals and qualifications. A credit union that introduces Colorado Home Mortgages, Inc. may or may not originate first mortgage loans although may be a creditor or investor in the purchase of a mortgage loan origination. Colorado Home Mortgages, Inc. products and services are being introduced as a resource for the consumer to assist with education and shopping for products and services available in the market.