Compare Colorado Mortgage Rates & Home Loan Programs

Rustic home with metal roof.

Compare pricing from some of the leading mortgage lenders, brokers and banks serving home buyers and homeowners in the State of Colorado using the following rate table. You can use the table to contact the various companies directly to learn more about their pricing, programs, and services.

Using the rate table

The majority of the mortgage companies represented in the rate survey on this page offer a variety of fixed rate (10, 15, 20, and 30 year terms) and adjustable rate financing solutions (3/1, 5/1, and 7/1 ARMs) for 1-4 unit residential properties (i.e. single family homes, duplexes, triplexes, and quadraplexes). These mortgage companies typically allow properties to be used as primary residences, second homes (aka vacation homes), or investment properties (rental homes). Rates often vary by occupancy type so you’ll need to speak with the various lenders and brokers to make sure that you qualify for what they have posted. Rates may also vary of other reasons including the type of property being financed. For exmaple, interest rates for condos may have pricing adjustments when compared to stand-alone, stick built homes. Be sure to speak with the various home loan providers directly to make sure that you have an accurate idea of pricing for your unique scenario.

Outlets for Finding Information on Specific Colorado Mortgage Solutions & Lender and Broker Associations

Capital building in Denver in a spring day.Colorado Housing and Finance Authority (down payment assistance programs) – Denver – 303-297-2432 – website

Colorado Housing Assistance Corporation – Denver – 303-572-9445 – They offer first time home buyer classes in the Denver Metropolitan area. – website

Colorado Resources & Housing Development – 7305 Lowell Boulevard Suite 200 Westminster, CO 80030 – 303-428-1448website

Colorado Association of Mortgage Brokers – website
Phone: (303) 991-2240

Colorado Mortgage Lenders Association – website
4380 S Syracuse, Suite 315 Denver, Colorado 80237 Phone: (303) 773-9655

Types of Fixed Rate Mortgages Posted in the Rate Tables and Why to Consider Each One

  • 30 Year Mortgages – Most popular option in today’s marketplace. Loan is amortized over the course of 30 years (360 months) which keeps monthly principal and interest payments lower than shorter term fixed rate solutions. Interest paid over the life of the loan will be considerably higher than 10, 15, and 20 year financing products.
  • 20 Year Mortgages – Repayment is made over 20 years (240 months). Can be a good option for people who are worried about committing to the higher payments associated with 15 year mortgages but do not want to take on the longer repayment period and higher interest of a 30 year home loan.
  • 15 Year Mortgages – Second most popular fixed rate product after 30 year financing. Repaid over 15 years (180 months). Note rates are usually lower than what a home buyer or homeowner would get with a 30 or 20 year mortgage. On the flipside, monthly payments are higher as the repayment period is cut in half. Interest savings can be significant when measured against longer term fixed rate products.
  • 10 Year MortgagesShortest fixed rate mortgage program advertised in the rate tables. For those who can afford higher monthly payments, 10 year fixed rate financing can lead to considerable interest savings versus 30, 20, and 15 year home loans.