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Mortgage rates once again moved lower last week, and similar to previous weeks the moves weren’t large but were consistent. A string of recent data showing economic activity is slowing and consumer spending is falling has helped mortgage rates fall to the best levels of the year, although still much higher than last September..

This week brings a few economic reports, but more importantly, it will bring January’s jobs data. Signs of labor market weakening, on top of the economic weakness we’ve seen recently, could help mortgage rates continue lower. If rates do move lower, it will likely continue at a slow and steady pace, as we’ve seen in the past few weeks.

 

What’s affecting rates this week:

 

• Jobs data: Multiple reports this week about jobs and unemployment, although the Job Openings and Labor Turnover Survey will not be released until next week. Friday’s BLS jobs data will have the biggest effect on mortgage rates to end the week.
• Market momentum: Markets have grown less optimistic about the economy, and concerns are rising that tariffs taking effect this week will bring about retaliatory actions from other countries

 

DSCR Loans

40 year options now available!

Best Rate at 60% LTV:    6.625% to 6.675%

Best Rate at 70% LTV:    6.75% to 7%

Best Rate at 80% LTV:    6.99% to 7.125%

Highest LTV:    85% (purchase + rate and term)

Lowest FICO score:    620

Smallest Loan:    $65,000

Largest Loan:    $20mm (large portfolios)

Vacant Properties:    75%

Short-Term Rentals: 80% (purchase + rate and term)

Best rates are based on 780+ credit score, DSCR above 1.15, loans over $300k and in major cities.  We have 20+ of the best DSCR loan buyers at our fingertips and can help with most clients’ needs.

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No Ratio Loans

Highest LTV: 75% (Purchase + rate and term)

No ratio loans are loans that do not require a rental agreement or have negative cash flow.

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Conventional Loans

Owner Occupied: 5.99% to 6.5%

Non-Owner Occupied:  Low 6.625.% to 7.25%

Conventional loan rates powered by TNS Loans NMLS #1719349 on properties in Colorado.  If you want specific rates, reach out to TNS Loans via email at MB@TNSLoans.com.

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Private Loans

Small Loans and Lenders (.5 – 3 Points): 9.5% – 12%

Large Lenders (15% down + 1 point + closing costs): 8 – 12%

 Highest LTV 100% of full project up to 72.5% ARV

 Lowest FICO score:   Mid 500’s with good credit last 12 months

 Smallest loan:    $10k

 

Who has the best terms on fix and flip loans in Colorado?  We are keeping track and it is between Cap Fund 1 and Merchants Mortgage

 

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Business Credit Cards

0% for up to 18 months

Options for business 3 months plus in business

Credit usage loans available to increase score to qualify for business credit cards

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HELOCS

RENTAL HELOCS from 70 – 80%.     Fixed and adjustable.   RATES AT PRIME + O

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Don’t forget to grab a copy of your personal Investor Mortgage Report here! 

What are the best loan products for where you are at now and where you are going.  

Keep up as rates get better and requirements become easier

Investor Mortgage Report – Week of March 3rd, 2025