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7 articles from Cedar Home Loans on refinancing.
At 5.98%, the 15-year fixed sits 68 basis points below the 30-year — the clearest discount available in today's market. It also raises the payment on a $500,000 loan by roughly $1,000 a month. Here's who that trade actually works for in Colorado, and who should skip it.
Bankrate's HELOC index dropped to 7.21% in May 2026, the lowest read in a year. For Coloradans sitting on a 3% or 4% first mortgage, a HELOC is almost always a better way to tap equity than a cash-out refinance.
With 30-year rates hovering near 6.1%, refinance activity has jumped sharply. Here's who should actually look at a refi in Colorado and how to tell whether the savings are real.
Colorado homeowners are sitting on record equity. With HELOC rates declining and home values stable, 2026 may be the ideal time to tap into your home's value for renovations, debt consolidation, or investments.
With 30-year rates dipping below 6% and 15-year rates near 5%, millions of homeowners who locked in at 6.5%-7.5% now have a real refinancing opportunity. Here's how to evaluate if it makes sense for you.
Learn when refinancing makes sense and how much you could save.
Explore strategic refinancing options for Colorado homeowners in 2025. Learn how to leverage lower interest rates, access home equity, and consolidate debt.
Get pre-approved online, or call Andrew to talk through your purchase or refinance.