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Colorado Mortgage Rates & Home Loans

The Short Version

Freedomstar Financial offers competitive Colorado mortgage rates on conventional, FHA, VA, and jumbo home loans, licensed in Colorado (License #152318). The 2026 baseline conforming loan limit in Colorado is $832,750, with high-balance and jumbo financing available for higher loan amounts.

Colorado pairs a fast-growing Front Range corridor with strong military ties in Colorado Springs. Competitive purchase demand makes rate certainty and fast pre-approval especially valuable.

Licensed in Colorado — Ivan Hendren, NMLS #152318· License #152318

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Today's Colorado Mortgage Rates

Live best-execution rates from our lender network — as of August 10, 2026 at 8:13 AM PDT.

Conventional 30-Yr Fixed

6.125%

APR 6.227%

FHA 30-Yr Fixed

5.625%

APR 5.758%

VA 30-Yr Fixed

5.625%

APR 5.783%

Jumbo 30-Yr Fixed

6.375%

APR 6.499%

Rates subject to change. See Rate Assumptions.

Colorado Home Loan Facts

Median Home Price

~$585,000

Curated statewide estimate.

2026 Conforming Limit

$832,750

Baseline one-unit limit.

2026 FHA Floor

$541,287

Higher in high-cost counties.

Property Taxes

Colorado has one of the lower effective property tax rates in the country, though local mill levies vary by county and district.

Loan Limits & Market

Most Colorado counties use the baseline conforming limit of $832,750, while several mountain resort counties (such as Eagle and Pitkin) carry higher high-cost limits.

Market facts last updated July 21, 2026.

First-Time Buyer Programs in Colorado

CHFA FirstStep

FHA first mortgage for first-time buyers and qualified veterans.

CHFA Down Payment Assistance

Grant or second-mortgage assistance toward down payment and closing costs.

Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.

Licensed to Lend in Colorado

Your Colorado loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Colorado mortgage license (#152318). See our full licensing & disclosures for details.

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Colorado Mortgage FAQ

What is the conforming loan limit in Colorado for 2026?

The 2026 baseline conforming loan limit in Colorado is $832,750 for most counties. Select mountain resort counties carry higher high-cost limits due to elevated home values.

Are VA loans popular in Colorado?

Yes, especially around Colorado Springs and its large military community. VA loans require no down payment or PMI for eligible service members, veterans, and surviving spouses.

Is Freedomstar Financial licensed in Colorado?

Yes. Freedomstar Financial is licensed to originate residential mortgages in Colorado. Current license numbers are listed on this page and on our licensing page.