* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Loveland, often referred to as the “Gateway to the Rockies,” is known for its artistic vibe, lakeside living, and welcoming neighborhoods. With proximity to Fort Collins and outdoor adventures, it’s a growing hub for families, creatives, and professionals alike. Whether you’re relocating or moving up in the market, we’re here to help you finance your dream home in this beautiful Northern Colorado city.
Mortgage rates in Loveland are shaped by several key factors:
National interest rate trends
Your credit score and financial profile
Type of mortgage and loan duration
Down payment amount and loan size
Closing costs and associated fees
Our experienced team will guide you through these details and recommend the most affordable mortgage products for your needs.
With over 30 years in the mortgage industry, Sammamish Mortgage combines regional expertise with responsive, client-focused service. From pre-approval to closing, we ensure a smooth lending process and help you secure the most competitive rate possible.
Loveland’s housing market features a diverse mix of properties—from lakeside homes and new construction to downtown condos and family-friendly suburbs. Whether you’re a first-time buyer or moving into your forever home, the opportunities in Loveland are as vibrant as the city itself.
To get a great mortgage rate, you need an honest, reputable mortgage lender. Look for mortgage lenders that are Experience Loan Officers. This will help you get the right loan for your situation and not one bigger than you can really afford.
When it comes to real estate, Loveland borrowers have access to many different types of home mortgage options.
Getting a 30-year fixed-rate loan usually means paying more in interest over the life of the loan, but gives Colorado homebuyers a low monthly mortgage payment.
If you are a veteran, an active duty service member, or the surviving spouse of a military vet, a VA loan often requires no down payment or a very low down payment.
Low-income and first-time homebuyers can count on an FHA loan to give them flexibility when it comes to their credit score or down payment.
If you live in a very expensive part of the country, don’t give up hope. Jumbo loans can help you if the price of your dream home is a bit over the conventional loan limits.
A mortgage in Colorado is a home loan that allows you to purchase or refinance property while using the property as collateral.
On average, closing takes about 30 to 45 days, though some lenders can close faster.
Yes, most lenders include property taxes and homeowner’s insurance in your monthly payment.
Mortgage rates vary daily based on the economy and your financial profile, but Colorado rates generally align with national averages.
Yes, veterans and active-duty military can use VA loans with no down payment and no mortgage insurance.
Yes, USDA loans are available in designated rural areas of Colorado for low- to moderate-income buyers.
To get pre-approved, you’ll need to submit income, asset, debt, and credit information to a lender for review.
Generally speaking, you need pay stubs, tax returns, bank statements, photo ID, and information about your assets and debts.
While not required by lenders, home inspections are highly recommended to protect buyers from hidden issues.
Yes, private mortgage insurance (PMI) is required if you put less than 20% down on a conventional loan. It’s also needed with FHA loans, regardless of the down payment amount.
Yes, lenders may charge origination fees, underwriting fees, and other costs that vary by institution. That said, some lender fees are much lower than others. Sammamish Mortgage, for instance, only charges $1 lender fees.
Yes, homeowners can borrow against home equity through cash-out refinancing, subject to lender approval.
Sammamish Mortgage makes an ideal choice for Colorado borrowers for several reasons, including $1 lender fees, competitive rates, in-house underwriting, and hundreds of positive client testimonials.
Whether you’re buying a home or ready to refinance, our professionals can help.
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