Welcome to the
Colorado Home Mortgages'
Rate Introduction Page. 


Rates are subject to change without notice and often personalized quotes are better pricing than shown.  Many additional loan programs are available including INTEREST-ONLY, 40 YEAR AMORTIZATIONS, NON-QM, DSCR loans, etc.   Please call for more information and a specific, no obligation offer in just minutes.  

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Pricing reflected as of the opening rate sheet June 24, 2022 .

Conforming Fixed Rate loan pricing example is an owner occupied purchase transaction with a sale price of $600,000 using a 20% down payment, loan amount of $480,000, debt ratio not to exceed 43% and credit scores of 740.  Down payment minimum in FHA loan pricing is 3.5% down payment on a sample $500,000 sale price, debt ratio not to exceed 55% and credit scores of 720.  Payments include mortgage insurance premiums payable monthly and upfront premium paid in cash.  Down payment minimum for VA loan pricing is 0% with 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 individual 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 of products and services available in the market.


30 Year Fixed Conforming
RatePointsAPRLock Days
5.250%0.875%5.364%30
5.375%0.375%5.445%30
5.500%0.000%5.536%30
5.625%-0.250%5.661%30
5.750%-0.625%5.786%30
5.875%-1.000%5.875%30
The APR is calculated using a loan amount of $400,000 and typical fees.

Agency SOFR ARMs - program disclosure available upon request
7/6 @ 5.875%
0.125%
4.656%
30


20 Year Fixed Conforming
RatePointsAPRLock Days
4.875%1.000%5.042%30
4.990%0.625%5.113%30
5.250%0.000%5.298%30
5.375%-0.375%5.423%30
5.500%-0.750%5.548%30
5.875%-1.375%5.875%30
The APR is calculated using a loan amount of $400,000 and typical fees.


15 Year Fixed Conforming
RatePointsAPRLock Days
4.500%0.750%4.672%30
4.625%0.375%4.741%30
4.750%0.000%4.810%30
4.875%-0.250%4.935%30
5.000%-0.750%5.060%30
5.375%-1.000%5.375%30
The APR is calculated using a loan amount of $400,000 and typical fees.


30 Year Fixed Jumbo
Rate               Points               APR                Lock Days
5.375%0.890%5.470%30
5.750%-0.110%5.765%30
The APR is calculated using a loan amount of $937,500 and typical fees and 12 months reserves (6 months liquid/6 months other) if using Laguna.  


FHA 30 Year Fixed
RatePointsAPRLock Days
5.206%0.000%6.501%30
5.750%-1.226%6.901%30
The APR is calculated using a loan amount of $482,500 and typical fees.



VA 30 Year Fixed 1st-time Use
RatePointsAPRLock Days
5.125%0.000%5.342%30
5.625%
-1.000%
5.755%
30
The APR is calculated using a loan amount of $500,000 and typical fees.