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Colorado Mortgage Rates Today — Live Averages & What Drives Your Quote
Compare today's Colorado mortgage rates across FHA, VA, USDA, Conventional and Jumbo loans. See the current Freddie Mac PMMS national benchmark, how Colorado high-cost county conforming limits, wildfire-driven insurance costs, and CHFA down-payment programs move your effective rate, and get a real scenario-specific quote from a Simply Approved Mortgages Loan Officer (NMLS# 2620881).
- ✓Colorado note rates track national MBS pricing — the Freddie Mac PMMS averages below are the industry weekly benchmark, refreshed Thursdays.
- ✓Your Colorado APR includes state-specific fees (doc fee + HOA transfers) that separate it from the note rate.
- ✓Wildfire and hail-driven homeowners insurance raises your escrowed payment and DTI before the rate is priced.
- ✓Your final Colorado rate = national base rate + agency LLPAs for FICO, LTV, occupancy, property type and loan purpose.
- ✓The only binding rate, APR and payment figures are on your Loan Estimate — not on any website, including this one.
Written by
Simply Approved Mortgages Team
Licensed Loan Officers · NMLS# 2620881
Get your personalized scenario summary
Complete the short request and a Simply Approved Mortgages Loan Officer sends back a written summary built from your own numbers: estimated payment breakdown, estimated cash to close, the loan structures that fit your file, and what documentation the file will need.
- Estimated monthly payment with taxes and insurance
- Estimated cash to close for your scenario
- Loan options your profile may fit
- Document checklist for your file
Takes about 3 minutes · Summary shown on screen and emailed to you
Illustration only, generated from the information you enter. Not a rate quote, lock, loan estimate, pre-qualification, offer, approval, or commitment to lend. Figures are subject to credit, income, asset and property review and full lender underwriting; binding numbers appear on your Loan Estimate.
Scenario summary
- Purchase price entered
- $412,000
- Down payment entered
- $20,600
- Estimated loan amount
- $391,400
- Estimated cash to close
- $14,300
- Programs reviewed
- 4
Sample layout with example figures — your own numbers replace these. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
How Colorado mortgage rates today are actually set
Advertised Colorado mortgage rates — including the Freddie Mac PMMS averages shown below — are national survey averages for a well-qualified borrower on a standard scenario. They are not a Colorado-specific quote. Your rate is a function of your credit score, loan-to-value (LTV), debt-to-income (DTI), loan purpose, occupancy, property type, loan amount, county loan limit, and the day and time you lock. Per the CFPB TILA-RESPA Integrated Disclosure (TRID) rules, the only binding rate figures are the ones printed on your Loan Estimate.
Why Colorado matters: Colorado consistently ranks in the top 15 states for home-purchase originations per CFPB HMDA data — wholesale investors price Colorado competitively, with meaningful VA volume driven by Front Range military installations.
Colorado market realities that move your rate
- Colorado has multiple high-cost counties per FHFA — the 2026 one-unit conforming limit rises above the $832,750 baseline in mountain counties (Eagle, Pitkin, Summit, San Miguel, Garfield, Routt).
- Wildfire and hail exposure has pushed Colorado homeowners insurance premiums higher in recent years per the Colorado Division of Insurance — higher escrowed payments push DTI up before your rate is even priced.
- Colorado is a Public Trustee state — deeds of trust are recorded with the county Public Trustee, which affects recording and release timing on your Loan Estimate.
Colorado closing costs, taxes & fees that raise your APR
The APR on your Loan Estimate rolls in most upfront finance charges — origination, discount points, mortgage insurance where required, and state-specific fees. In Colorado, these line items materially separate APR from note rate:
- Documentary fee (transfer fee) — 1¢ per $100 of consideration on the purchase (C.R.S. § 39-13-102). Modest compared with Florida but appears on your Closing Disclosure.
- No mortgage recording tax on the loan itself — one reason Colorado closing costs typically run 1.5%–2.5% of the loan amount vs. 2.5%–4% in Florida.
- Title insurance is negotiable between buyer and seller in Colorado — commonly seller-paid on purchase contracts, which lowers the buyer's cash-to-close but not the note rate.
- HOA transfer / status fees are common in metro Denver, Fort Collins, and Colorado Springs — line items on Section H of your Loan Estimate.
Colorado-specific underwriting rules that affect pricing
- Colorado Housing and Finance Authority (CHFA) down-payment assistance — CHFA FirstStep and CHFA Preferred pair with FHA / Conventional 97% loans. CHFA prices its rate note separately from the base rate; ask your Loan Officer to compare CHFA + DPA against a standalone conventional 97% with LPA.
- Wildfire mitigation — some Colorado carriers require Firewise inspection or defensible-space certification before binding coverage in wildland-urban interface zones.
- Property tax assessed on 6.7% of actual value for residential (2026 residential assessment rate per Colorado Division of Property Taxation) — lower than most states, which helps DTI on the escrow line.
- Metro District taxes — new-construction subdivisions along the Front Range often include Metro District bond debt on the tax bill. Underwriters use the full millage for escrow, which raises your effective APR.
Want these numbers built around your file?
A short request is all it takes to get a written scenario summary back from a Simply Approved Mortgages Loan Officer. Binding figures appear on your Loan Estimate.
Colorado county loan limits — 2026
Your loan amount versus the county conforming and FHA limit determines which program prices best. Above the conforming limit, you enter jumbo pricing (typically 700+ FICO, 6–12 months reserves). Below the FHA county cap, FHA often out-prices conventional at lower FICOs even after MIP.
| Colorado Metro | County | 2026 Conforming (1-unit) | 2026 FHA (1-unit) |
|---|---|---|---|
| Denver | Denver | $832,750 | $787,750 |
| Colorado Springs | El Paso | $832,750 | $541,287 |
| Boulder | Boulder | $832,750 | $787,750 |
| Fort Collins | Larimer | $832,750 | $541,287 |
| Aurora | Arapahoe | $832,750 | $787,750 |
Sources: FHFA 2026 Conforming Loan Limits; HUD FHA 2026 Mortgage Limits (fha.gov).
Rate vs. APR in Colorado — and why they aren't the same number
The interest rate is the cost of borrowing principal. The APR annualizes rate plus most upfront finance charges. Because Colorado adds a small documentary fee, HOA transfer fees, and wildfire-driven prepaid insurance on top of federal fees, your Colorado APR often looks meaningfully higher than the note rate. Compare Loan Estimates side-by-side, on the same day, same lock period.
How to shop Colorado mortgage rates today the right way
- Same day, same time. Rates move intraday — quotes from different days aren't comparable.
- Same lock period. A 15-day Colorado quote will always look better than a 45-day quote from another lender.
- Compare Loan Estimates. Verbal quotes aren't standardized; the LE is the regulated document.
- Section A + total closing costs. A low rate loaded with points can cost more overall in Colorado once state fees are added.
- Check APR. It's the single-number comparison that already includes Colorado taxes and fees.
What Simply Approved Mortgages does differently in Colorado
On eligible residential transactions we generally use a 1.5% lender-paid compensation structure — the lender pays our broker compensation under its lender-paid compensation plan, so you don't pay us a separate broker fee. It’s disclosed on your Loan Estimate. We shop your file across wholesale investors so your Colorado rate reflects real market pricing for your scenario, not retail branch overhead. You get a full breakdown of rate, APR, points, credits, and Colorado-specific closing costs before you commit — always.
Any rate figure shown on this page is illustrative and is not a quote, lock, offer, or commitment to lend. Your binding rate, APR, and payment appear on your Loan Estimate. Simply Approved Mortgages LLC · NMLS# 2620881 · Equal Housing Opportunity.
Today's mortgage rates by Colorado city
Same live Freddie Mac PMMS benchmark, localized to each Colorado market's county loan limits, taxes, and insurance realities.
Rate shopping in Colorado is a same-day, apples-to-apples exercise. If a competitor quotes a rate 0.25% lower on a different day, that is noise — not a real difference. Ask every lender for a Colorado Loan Estimate on the same lock period, then compare rate, APR, and total closing costs together. Reviewed by Simply Approved Mortgages · NMLS# 2620881 · Equal Housing Opportunity.
Colorado rate drivers
What drives Colorado rates — 2026 guideline snapshot
The four numbers most borrowers ask about first. Full underwriting matrix and citations are further down the page.
Credit Score (FICO)
620+
Conventional / FHA / VA floor varies by program; better pricing tiers begin at 680, 700, 720, 740, 760, 780.
Max DTI
up to 45–50%
Colorado insurance escrows push DTI faster than most states — better FICO / lower LTV can offset.
Max LTV
96.5–100%
FHA 96.5%, VA/USDA up to 100%, Conventional 97% first-time buyers, 95% otherwise.
Lock windows
15 / 30 / 45 / 60 days
Choose the shortest window that comfortably covers your Colorado closing date.
Guardrails reflect Fannie Mae, Freddie Mac, FHA (HUD Handbook 4000.1), VA Lender's Handbook, and USDA Chapter 10/11 as of 2026. Overlays can be stricter. Your Loan Estimate is the binding disclosure.
Locking a Colorado rate today vs. floating
Pros — Locking a Colorado rate today vs. floating
- +Locking removes the risk of a market spike between application and Colorado closing.
- +Written lock protects the rate on your Loan Estimate — required by CFPB TRID.
- +Some programs offer a one-time float-down if rates drop after lock.
- +A locked rate lets you finalize Colorado seller concessions and closing-cost math.
Cons / watch-outs — Locking a Colorado rate today vs. floating
- −If rates fall meaningfully after lock, you may not capture the drop without a float-down.
- −Longer locks (45–60 days) cost more in rate or points than short locks.
- −Colorado closings can extend when wildfire mitigation inspections or metro-district disclosures take extra time — plan the lock window carefully.
- −Floating requires timing the market, which no one — including us — does reliably.
Compare loan officer compensation on your mortgage quote
Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.
Compensation difference on this illustration: $3,750.
How lower compensation can help you
When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.
Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.
A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.
As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.
Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.
Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.
Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Worked example
Worked example — how 0.50% changes a Colorado payment
$400,000 loan, 30-year fixed, principal & interest only. Colorado taxes, insurance, and MI vary by county and program and are added on top.
Inputs
- Loan amount
- $400,000
- Term
- 30 years fixed
- Rate scenario A
- 6.50%
- Rate scenario B
- 7.00%
Calculation
- 1Monthly P&I at 6.50%$2,528
- 2Monthly P&I at 7.00%$2,661
- 3Monthly difference$133
- 4Total interest over 30 yrs at 6.50%$510,178
- 5Total interest over 30 yrs at 7.00%$558,036
On a typical Colorado scenario, a 0.50% rate change moves P&I about $133 a month and roughly $47,858 in lifetime interest — before Colorado county taxes and insurance are added to the escrow line. That is why hitting the next LLPA breakpoint (FICO or LTV) in Colorado can matter more than chasing an eighth of a point on the note rate. Numbers illustrative; binding figures live on your Loan Estimate.
Illustrative only — not a quote, lock, offer, or commitment to lend. Binding figures appear on your Loan Estimate.
Estimate your Colorado payment
Colorado mortgage payment calculator
Model principal & interest, Colorado taxes, insurance, and MI at any rate. Illustrative only — your binding figures appear on your Loan Estimate.
Mortgage payment calculator
Monthly payment breakdown
Loan amortization summary (30-year term)
Assumes a fixed-rate 30-year loan held to maturity with no prepayments. Actual amortization varies with extra principal payments, escrow adjustments, PMI/MIP, and any rate resets on an ARM.
Use my estimate — see today's rates
We'll pre-fill your calculator numbers into the quote form below. A Simply Approved Mortgages Loan Officer will personally connect with you to walk through your scenario.
Pre-approval is a soft check with no SSN and no hard credit pull. Not a loan approval or commitment to lend — binding figures appear on your federally required Loan Estimate.
Turn these numbers into a real pre-approval
Continue on our secure application page. Your Simply Approved Mortgages Loan Officer will review your numbers and follow up within one business day.
No obligation. Soft-pull options may be available.*
Talk through your scenario today
A Simply Approved Mortgages Loan Officer can confirm which of these paths actually fits your credit, income, and property. Educational only, no obligation.
Today's rates
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Real rates — your scenario, not a guess
Today's rate options below refresh twice each business day from our wholesale pricing engine; run your own scenario in the pricing tool. National survey averages below give you market context — they're not Simply Approved's pricing.
Our live pricing engine
See your real rate — for your scenario, in our pricing tool
Pull live, scenario-specific pricing from our wholesale pricing engine. Your binding rate and APR are confirmed on your Loan Estimate after a quick file review.
See My Live Rate →Pricing snapshot
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Today's Mortgage Rate Options at a Glance
Four real options from today's wholesale pricing for one documented sample scenario per program — no form needed. Updated twice each business day, about 10 AM and 2 PM Eastern. Your own rate depends on your credit, down payment, property, state and lock date.
National market context
Freddie Mac PMMS — weekly U.S. averages
Loading latest PMMS averages…
PMMS figures shown above are Freddie Mac's national survey averages, published weekly by Freddie Mac (PMMS_history.csv) — they are not Simply Approved Mortgages' rates, not a quote, not a lock, and not an offer or commitment to lend. Your actual rate, APR, and payment depend on credit profile, loan program, occupancy, LTV, DTI, property type, lock period, and current market pricing at the time of lock. Your binding figures appear on your Loan Estimate. Simply Approved Mortgages LLC · NMLS# 2620881 · Equal Housing Opportunity.
Purchase market update
What buyers should know this month
30-Yr Fixed · national avg
—
Loading PMMS…
15-Yr Fixed · national avg
—
Loading PMMS…
2026 buying power
Conforming baseline: $832,750
FHA floor / ceiling: $541,287 – $1,249,125
Colorado weekly benchmark
Freddie Mac PMMS national averages refresh Thursdays — the same feed powers the live rates below.
Colorado APR ≠ rate
Doc fee, HOA transfers, and wildfire-linked insurance widen the gap.
County limits matter
Loan amount vs. FHA and conforming caps decides which program prices best for your scenario.
Colorado taxes and expenses
What owning in Colorado actually costs beyond the loan
Underwriting qualifies you on the full housing payment, not just principal and interest. These are the Colorado lines that change that number — each one a published statewide average, not a quote.
Property tax
About 0.45% of value per year statewide (effective rate, Tax Foundation / Census ACS). Escrowed monthly, so it moves your qualifying payment.
Source: U.S. Census Bureau — American Community Survey, owner-cost tables
Homeowners insurance
Average annual premium near $2,400 (NAIC). Wildfire-zone properties may need a mitigation report before insurance binds.
Source: National Association of Insurance Commissioners — Homeowners Insurance Report
Transfer and recording
Colorado imposes a documentary fee of $0.01 per $100 of consideration (0.01%) on deeds — one of the lowest in the country. Colo. Rev. Stat. § 39-13-102. A handful of home-rule municipalities (Aspen, Vail, Telluride, Crested Butte, Breckenridge) levy local Real Estate Transfer Assessments. Documentary fee of $0.01 per $100 of value; no broader transfer tax.
Source: National Association of Realtors — Real Estate Transfer Tax
Who closes the file
Colorado closings are conducted by title/escrow companies; attorney involvement is optional. Total closing costs in Colorado average about 0.50% of the sales price.
Source: CFPB / HUD — Your Home Loan Toolkit (settlement cost ranges)
Assistance programs in Colorado are administered by Colorado Housing and Finance Authority (CHFA), which sets its own eligibility, income and price limits.
Local cost tools
Run the numbers for Colorado
These estimators start from Colorado's own published averages — an effective property tax rate near 0.45% of value, homeowners insurance around $2,400 a year, and local transfer and recording practice: Documentary fee of $0.01 per $100 of value; no broader transfer tax. Wildfire-zone properties may need a mitigation report before insurance binds. Change any input. Every figure is an illustrative estimate — not a quote, lock, offer, approval, or commitment to lend.
Your inputs
Estimated result
- Down payment
- $20,000
- Loan amount
- $380,000
- Principal & interest
- $2,402
- Property tax (Colorado)
- $150/mo
- Homeowners insurance
- $200/mo
- Estimated total monthly
- $2,752/mo
Sources for the Colorado seed figures: Tax Foundation — property taxes paid as a percentage of owner-occupied housing value, NAIC — Homeowners Insurance Report, CFPB — Understanding your Loan Estimate.
Assumptions, methodology, and limitations
Principal and interest use the standard amortization formula on the loan amount you enter. Taxes are seeded from the Colorado effective property tax rate and insurance from the statewide average annual premium; both are editable. Closing costs apply Colorado's transfer / documentary-stamp practice (0.01% of price used as the buyer-side seed) plus typical title, recording, appraisal, credit and prepaid escrow lines. They are compared to the Colorado statewide average of 0.50% of sales price. Refinance break-even divides your entered costs by the monthly payment difference. Early payoff runs a month-by-month amortization with your extra principal.
These tools do not include mortgage insurance, funding or guarantee fees, HOA special assessments, flood or windstorm premiums, seller credits, lender credits, discount points, or county and municipal charges specific to your parcel. Statewide averages will not match any individual property. Figures are estimates only.
Illustrative only. Binding figures appear on your Loan Estimate, and terms vary by borrower, property, lender, program, and state.
Turn these estimates into real numbers
Send your scenario to a Simply Approved Mortgages Loan Officer and get a written summary back, or compare where rates sit today. Educational only — not a quote, lock, offer, approval, or commitment to lend.
Local market updates
Colorado housing market news — latest published data
Published housing and labour statistics for Colorado, drawn from federal and industry data feeds and shown with each publisher's own observation date. The dated figures below load from the source series when this page opens. These are published market statistics for context only — not a quote, lock, offer, or commitment to lend.
Data is republished as issued by the source and may be revised by the publisher. Averages and index values describe a market, not an individual file; your own terms depend on documented income, credit, assets, the property and lender underwriting. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Equal Housing Opportunity.
Colorado mortgage rates today — frequently asked questions
Answers to the most common Colorado mortgage rates today questions, written by licensed loan officers.
Ask SAM anything about todays-rates-colorado in Colorado
SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.
Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.
Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
Freddie Mac
Freddie Mac — Primary Mortgage Market Survey (PMMS)
FHFA
FHFA — Conforming Loan Limits
HUD
HUD — FHA Mortgage Limits
CFPB
CFPB — Loan Estimate explainer
FRED (St. Louis Fed)
FRED — 30-Year Fixed Rate Mortgage Average
Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.
How this page connects
Where this fits in the rates and market data library
This is the Colorado page for todays rates.
What most readers open next
- How rate locks workBecause a quoted rate only matters once it is locked.
- Points and how they change pricingBecause the same rate can cost very different amounts.
- Historical rate contextBecause to judge today against a longer series.
Explore the full guide
Keep reading — the rest of the buying playbook
Each of these is a deep-dive on one piece of the purchase mortgage process. Bookmark whichever you need next.
Guide
Today's rates — national
Live Freddie Mac PMMS averages and what drives your quote.
Read the guide →Guide
Weekly rate update
Plain-English recap of the latest PMMS and market moves.
Read the guide →Guide
Federal interest rates
How Fed policy transmits into mortgage rates.
Read the guide →Guide
Mortgage calculator
Model P&I, taxes, insurance, and MI at any rate.
Read the guide →Guide
Affordability calculator
See how a rate change moves your max purchase price.
Read the guide →Guide
Refinance break-even
When today's rate makes a refi worth the closing costs.
Read the guide →Guide
Colorado pre-approval
Colorado pre-approval in ~24 hours of a complete file.
Read the guide →Guide
Colorado refinance guide
Colorado-specific refinance rules and break-even math.
Read the guide →Guide
Denver mortgage rates today
Denver, CO — county limits, taxes, and local rate drivers.
Read the guide →Guide
Colorado Springs mortgage rates today
Colorado Springs, CO — county limits, taxes, and local rate drivers.
Read the guide →Guide
Boulder mortgage rates today
Boulder, CO — county limits, taxes, and local rate drivers.
Read the guide →Internal library
Related mortgage guides across our library
Follow the next relevant guide for your scenario.
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Pick one — the form adapts.Pick a loan type
Programs for buying a home.Conventional loan — 3–20% down · 620+ FICO
Tell us about your scenario
The form below is tailored to Conventional loan — only the questions and documents your program needs.
Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only. We ask first so we never collect a mortgage inquiry we are not licensed to act on.
Purchase price and down payment help us size the conforming loan.
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Simplify Your Mortgage Journey with These Resources
Talk To A Loan Officer
A Simply Approved Mortgages Loan Officer will personally connect with you to walk through your options.
Mortgage insights & guides
Plain-language articles to help you understand the home loan process, save on closing costs, and make confident decisions.
7 things every first-time homebuyer should know before applying
From credit prep to down payment assistance, here’s how to walk into your first mortgage application with confidence.
Using your VA loan benefit: a step-by-step guide
Eligibility, the Certificate of Eligibility, funding fees, and how to maximize zero-down purchasing power.
Where your closing costs actually go (and where you can save)
A line-by-line breakdown of the Loan Estimate and the fees that are negotiable versus fixed.
Equal Housing OpportunityMortgage Broker — Not a LenderNMLS ID# 2620881NMLS Consumer AccessFlorida Mortgage Broker License #MBR7685Colorado Mortgage Company RegistrationLicensing & Disclosures
Simply Approved Mortgages LLC | NMLS #2620881
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Equal Housing Opportunity
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation when required, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, lender credits, fees, payments, terms, loan amounts, down-payment requirements, mortgage insurance, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, loan program, and state and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of approval, or guarantee of terms or closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, loan amounts, home values, estimated equity, savings, affordability estimates, closing costs, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement. Applicable loan terms and disclosures will be provided as required for the particular transaction.
Mortgage products. FHA, VA, USDA, conventional, jumbo, non-QM, HELOC, reverse mortgage, down-payment-assistance, investment-property, DSCR, and other mortgage products referenced on this site are subject to their individual eligibility, underwriting, property, occupancy, and program requirements. Product availability varies by lender and jurisdiction. References to a mortgage product or program do not constitute a determination that a borrower or property qualifies.
Government-backed programs. Government-backed or government-insured mortgage programs referenced on this site may be subject to requirements established by the applicable government agency in addition to lender requirements. Government insurance or guaranties generally protect participating lenders against certain losses and do not constitute a guarantee of borrower approval.
Business-purpose products. DSCR, investment-property, and other business-purpose mortgage products referenced on this site are intended for qualifying business-purpose transactions. Business-purpose loans may be subject to different requirements and protections than consumer-purpose residential mortgage loans. Borrowers are responsible for accurately disclosing property occupancy and intended use.
Down payment assistance. Down payment or closing-cost assistance programs referenced on this site may be administered by governmental entities, housing finance agencies, nonprofit organizations, lenders, or other third parties. Program availability, funding, assistance amounts, eligibility requirements, repayment or forgiveness provisions, and other terms vary and may change or become unavailable without notice. Listing or referencing a program does not guarantee funding, eligibility, or mortgage approval.
Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, or any other federal, state, or local government agency. References to government agencies, programs, benefits, data, forms, or resources are provided for informational purposes and do not imply government sponsorship or endorsement of Simply Approved Mortgages LLC.
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