In our final look at state-by-state best home mortgage rates, this time we at Peak Personal Finance will be looking at the best mortgage rates in Colorado.  This series of articles has looked at local trends for the best mortgage interest rates and found that there is a log going on out there.  If you have a state you’d like to see featured, leave us a comment and let us know.

For this look at best home loans in Colorado, we are assuming a $150,000 loan, a credit score of at least 700, a 5% or greater down payment, the cash on hand to also pay fees, and that the home will be a single family, primary residence.

For a 30-year fixed rate, the best home mortgage rates in Colorado right now are at Heartland Bank with a 5.196% annual percentage rate (APR), no points, $1,200 in fees, a 30-day lock in period, and payments of only $817 a month (estimated).

For that same 30-year fixed, both Liberty Savings and Hart West Financial have a 5.414% APR, $650 in fees (each), no points, and $840 in estimated monthly payments.  They have a 40 and 30 day lock in (respectively).

On a 30-year FHA Hart West Financial also has the best mortgage interest rates in CO with a 5.414% APR again, the same $650 in fees, no points, the same $840 monthly payment estimate and a 30 day lock in period.

For that same loan, AimLoan is worth considering as well with a 5.622% APR, no points, $1,995 in fees, a 60 day lock in period, and estimated $852 in monthly payments.

Of course, your situation will vary and you should talk to a financial advisor before deciding which of the best home mortgage rates in Colorado are for you.