Today's mortgage rates
Indicative rates updated regularly. Your actual rate depends on credit score, LTV, loan type, and property. Call us for your personalized quote.
Today's rates
Rates update automatically throughout the day. Your rate depends on credit, down payment and loan type. Apply now to see your real rate →
Rates for illustrative purposes only. Not a commitment to lend. Subject to change without notice. Call 303-384-3207 or apply online for your personalized Loan Estimate. NMLS# 2046633.
Estimate your monthly payment
Estimate only. Mortgage insurance is estimated and varies with credit score and loan details. Your actual rate and payment may differ. Not a commitment to lend.
How to think about mortgage rates
What moves mortgage rates?
Mortgage rates are tied primarily to the 10-year U.S. Treasury bond yield, which fluctuates daily based on economic data, Federal Reserve policy, and inflation expectations.
- →Federal Reserve policy
- →10-year Treasury bond yields
- →Inflation reports (CPI, PCE)
- →Jobs data (NFP, unemployment)
- →Global economic conditions
What affects your personal rate?
Even on the same day, two borrowers can receive very different rates based on risk factors lenders use to price loans.
- →Credit score (highest impact)
- →Loan-to-value ratio (LTV)
- →Loan type (conventional, FHA, VA...)
- →Property type
- →Loan term (15 vs. 30 year)
- →Debt-to-income ratio
- →Points purchased (buy-down)
Rates Rising
If rates are climbing, locking in as soon as you have a purchase contract protects you from paying more later.
Rates Volatile
In volatile markets, a lock gives certainty. You'll know exactly what your payment will be at closing.
Rates Falling
Ask our team about float-down options that let you benefit from drops without losing your lock protection.
Ready to see what you actually qualify for?
Indicative rates are just a starting point. Apply or call our team to get a personalized Loan Estimate with your exact rate, payment, and closing costs.