Today's Mortgage Rates
Shopping for a home in Northern Colorado starts with knowing what your payment could look like. These are today's Colorado purchase rates from Ent Credit Union, which is now becoming Wings Credit Union. We update this page every weekday morning straight from their published rates.
Rates updated October 28, 2026
See Full Details at WingsSearch Homes for SaleFixed Rate Mortgages
| Loan | Interest rate | APR* | Origination fee |
|---|---|---|---|
| 10 Year Fixed | 6.500% | 6.642% | 0% |
| 15 Year Fixed | 6.625% | 6.727% | 0% |
| 20 Year Fixed | 6.875% | 6.959% | 0% |
| 30 Year Fixed | 7.250% | 7.317% | 0% |
| 30 Year Fixed, First Time Home Buyer | 7.000% | 7.065% | 0% |
Adjustable Rate Mortgages
| Loan | Interest rate | APR* | Origination fee |
|---|---|---|---|
| 5 Year SOFR ARM, First Time Home Buyer (5yr/6mo), 30 Year Term | 6.500% | 6.643% | 0% |
| 5 Year SOFR ARM (5yr/6mo), 30 Year Term | 6.500% | 6.643% | 0% |
| 5 Year Conventional ARM (5yr/5yr), 30 Year Term | 6.500% | 6.831% | 0% |
| 7 Year SOFR ARM, First Time Home Buyer (7yr/6mo) | 6.625% | 6.693% | 0% |
| 7 Year SOFR ARM (7yr/6mo), 30 Year Term | 6.625% | 6.693% | 0% |
| 10 Year SOFR ARM (10yr/6mo), 30 Year Term | 6.875% | 6.857% | 0% |
In an ARM name, the first number is how long the rate stays fixed and the second is how often it can adjust after that. A 5yr/6mo ARM is fixed for five years, then can adjust every six months.
Jacob is a Colorado native who has been with the credit union since 2006, and he works with buyers all over Northern Colorado, including Fort Collins, Loveland and Greeley. He can walk you through your loan options and help you get preapproved before you start touring homes.
(719) 367-0847Contact or Apply with JacobReady to Start Looking?
Once you have a feel for your payment, we can help you find the right home and neighborhood for it. Reach out anytime with questions about buying in Northern Colorado.
Contact the North Star TeamImportant rate information. Rates shown are published by Ent Credit Union, now Wings Credit Union (NMLS #405466), for new purchase loans and are provided for information only. The North Star Team and RE/MAX Alliance are not lenders, do not make loans and are not affiliated with or compensated by Ent or Wings Credit Union. Rates and APRs are examples only and may not be the rate you qualify for. Final pricing depends on your credit profile, loan characteristics and property type. Rates may change several times a day without notice and are subject to credit approval and underwriting. Contact a mortgage loan officer for a personalized quote. For full terms and disclosures, visit ent.com/rates.
*APR is the Annual Percentage Rate. The APR includes estimated borrower paid finance charges such as prepaid interest, a processing fee and certain lender required third party services like flood certification or tax service. Finance charges and APR vary with individual loan terms. Discount points, if paid, increase the finance charge and APR.
Payment example from Ent: a $480,000 conventional 30 year fixed loan with 20% down at a 6.25% rate and no points has an estimated monthly payment of $2,956 and an APR of 6.268%. Payments shown include principal and interest only; taxes, insurance and other costs are not included, so actual payments will be higher.
Adjustable rate mortgage payments may go up or down after the initial fixed period, and adjustments follow the terms of the loan program. Closing costs vary and property insurance is required. Consult a tax advisor about the deductibility of interest. Credit union membership is required. Equal Housing Opportunity.