{"publisher":"RateVerdict","state":"Colorado","page":"https://rateverdict.com/mortgage-rates/colorado","methodology":"https://rateverdict.com/methodology","license":"https://rateverdict.com/terms","scenario":"$400,000 30-year fixed refinance with 780 or higher credit, Colorado property","notice":"Priced for one named scenario from live lender rate sheets. Not a rate lock or an offer to lend.","payments":"Monthly payments shown are principal and interest only, for 360 monthly payments on a $400,000 loan at the rate shown. They do not include taxes, homeowners insurance or mortgage insurance, so the actual monthly payment will be greater.","pricedOn":"2026-11-04","pricedAt":"2026-11-04T17:05:58.923+00:00","rows":[{"rate":6,"apr":6.376,"points":3.601,"pointsDollars":14404,"monthlyPI":2398},{"rate":6.125,"apr":6.391,"points":2.1,"pointsDollars":8400,"monthlyPI":2430},{"rate":6.25,"apr":6.477,"points":1.639,"pointsDollars":6556,"monthlyPI":2463},{"rate":6.375,"apr":6.535,"points":0.882,"pointsDollars":3528,"monthlyPI":2495},{"rate":6.5,"apr":6.614,"points":0.365,"pointsDollars":1460,"monthlyPI":2528},{"rate":6.625,"apr":6.708,"points":-0.215,"pointsDollars":-860,"monthlyPI":2561},{"rate":6.75,"apr":6.836,"points":-0.65,"pointsDollars":-2600,"monthlyPI":2594},{"rate":6.875,"apr":6.963,"points":-1.222,"pointsDollars":-4888,"monthlyPI":2628},{"rate":7,"apr":7.09,"points":-1.659,"pointsDollars":-6636,"monthlyPI":2661},{"rate":7.125,"apr":7.216,"points":-2.082,"pointsDollars":-8328,"monthlyPI":2695},{"rate":7.25,"apr":7.343,"points":-2.162,"pointsDollars":-8648,"monthlyPI":2729},{"rate":7.375,"apr":7.469,"points":-2.658,"pointsDollars":-10632,"monthlyPI":2763}]}