Cedar Home Loans Blog

Freddie Mac's 30-year average sits at 6.66% this week — ten basis points HIGHER than the same week in 2025. A full year of "rates will come down soon" headlines produced a market that moved sideways. Here is what the year-over-year numbers actually say about waiting.

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.

Freddie Mac's 30-year average slipped to 6.67% this week — the first decline in six weeks. At the same time, futures markets are pricing better-than-even odds the Fed raises rates in September. Here's how to read the disconnect and what it means for your Colorado purchase or refinance.

A weak snow year flipped the script in Colorado's resort markets: agents are reporting summer — not winter — as the season pulling in second-home buyers. With new listings down sharply in Summit, Pitkin, Routt, and San Miguel counties, here's what buyers need to know about the market and the financing.

As of August 3, 2026, the streamlined 'limited review' that roughly 40% of condo loans relied on is gone — every established condo project now gets a full review. At the same time, insurance requirements got cheaper and reserve requirements are going up. Here's what it all means if you're buying or selling a Colorado condo.

The Denver metro's condo and townhome segment has stretched to roughly six months of supply with a median price near $380,000 — the most buyer-friendly corner of the Colorado market in years. Here's why it happened, where the risks hide, and how to negotiate it.