Mortgage Rates

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Mortgage Rates

TermsInterest RateDiscount PointAPR *
10 yr. Fixed3.125%0.00%3.273%
10 yr. Quick Close (no closing cost)3.875%0.00%3.909%
15 yr. Fixed3.500%0.00%3.605%
20 yr. Fixed4.000%0.00%4.085%
30 yr. Fixed4.375%0.00%4.439%
15 yr. Jumbo Fixed4.125%0.00%4.181%
20 yr. Jumbo Fixed4.500%0.00%4.546%
30 yr. Jumbo Fixed4.875%0.00%4.911%
1 yr. ARM*3.375%**0.00%3.085%**
3/1 ARM*3.625%**0.00%3.195%**
5/1 ARM*3.500%**0.00%3.231%**
7/1 ARM*3.625%**0.00%3.348%**
10/1 ARM*3.875%**0.00%3.597%**
5/1 ARM* Investor Non-Warrantable Condo4.625%**0.00%3.640%**
7/1 ARM* Investor Non-Warrantable Condo5.000%**0.00%4.020%**
3/1 ARM Jumbo*3.125%**0.00%3.054%**
5/1 ARM Jumbo*3.250%**0.00%3.113%**
7/1 ARM Jumbo*3.750%**0.00%3.377%**
10/1 ARM Jumbo*3.875%**0.00%3.567%**

  • Last Updated April 15th, 2014
  • Rates shown are subject to change.
  • APR = Annual Percentage Rate
  • P&I = Principal and Interest Jumbo product required on loan amounts greater than $417,000
  • Interest Rate, APR Calculations and Monthly Payment are based on the following assumptions: Based on $180,000 loan amount ($500,000 for Jumbo), LTV 80%, Credit Score 740.
    • LTV = Loan-to-Value, meaning the loan amount divided by the sales price (or appraised value, whichever is less).
  • Loan level price adjustments may apply.
  • Based on an interest rate of 4% a payment amount equals $4.78 per $1,000 for a 30 year term. This amount does not include taxes, insurance or mortgage insurance premiums which, if applicable, will result in a greater payment obligation.
  • Mortgage Loans are available on properties in Colorado.
  • Membership to Elevations Credit Union is required.

    *ARM - Adjustable Rate Mortgage. Rates are fixed for the first 1, 3, 5, 7 or 10 years depending on product then adjust yearly.
    ** Interest Rate and APR are only fixed for the 1, 3, 5, 7 or 10 year term and may adjust after the fixed term.
    *** Monthly Principal and Interest Payment may adjust after the fixed term.