Current Mortgage Rates in Albany, NY Today
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Compare mortgage rates in Albany, CA.
Key Points
• Mortgage rates in Albany, New York, are influenced by economic trends and your personal financial history.
• On the whole, mortgage rates in New York tend to be lower than the national average.
• Fixed-rate mortgages offer predictability, while adjustable-rate loans can start with lower rates.
• A one-percentage point rise in interest rate could tack on an extra $2,300 per year on a $300,000 loan.
• First-time homebuyers in New York state can take advantage of programs like SONYMA’s Achieving the Dream.
• By improving your credit score, reducing your debt-to-income ratio, and increasing your down payment, you can often secure a better mortgage interest rate.
Introduction to Albany, New York Mortgage Interest Rates
Many residents consider Albany, New York, one of the best affordable places in the U.S. For house hunters looking to purchase a home in Albany, understanding mortgage interest rates is key. This guide is your comprehensive resource, shedding light on how lenders determine these rates and how you can secure the most favorable terms. We’ll dive into the various factors that sway mortgage rates, from economic indicators to your personal financial profile, including your credit score and debt-to-income ratio. Armed with this knowledge, you’ll be better equipped to make sound decisions throughout the home-buying journey, potentially saving a substantial sum over the life of your loan. What’s more, comparing mortgage rates in Albany is a wise move to ensure you’re getting the best possible deal.
Mortgage interest rates are the fees charged by lenders for borrowing money to purchase a home. These mortgage rates are determined by a complex combination of factors that can be separated into two buckets: the state of the economy and the borrower’s financial status.
Where Albany Mortgage Rates Come From
Mortgage rates are the product of a complex interplay of economic factors. The bond market, and particularly the yield on the 10-year U.S. Treasury Note, is a strong indicator of the potential direction of rates. A rising Treasury note yield often means that mortgage rates will also rise.
The housing market’s performance, including sales and construction activity, and inflation levels also play important roles. Inflation decreases purchasing power, leading lenders to raise rates to maintain profitability. Even local economic conditions, like the Albany unemployment rate and economic strength, can affect mortgage rates in the area. Getting a handle on these key indicators can help you time your home purchase more effectively.
How Interest Rates Affect Home Affordability
Interest rates are a big deal when it comes to buying a home. They have a huge impact on what you can afford, and even a small change can mean a big difference in the amount of interest you’ll pay over the life of the loan.
For example, let’s say you’re borrowing $300,000. At 6.00%, your monthly payment would be about $1799. But if the rate goes up to 7.00%, your payment would go up to about $1,996. Over 30 years, that one-percentage point difference in rate could mean you’d pay more than $70,000 more in interest. That’s why it’s so important to get the best mortgage rates in Albany to help you afford your home and save money over the long term.
| Interest Rate | Loan Term | Monthly Payment | Total Interest |
|---|---|---|---|
| 6.00% | 30-year | $1,799 | $347,515 |
| 6.00% | 15-year | $2,532 | $155,683 |
| 7.00% | 30-year | $1,996 | $418,527 |
| 7.00% | 15-year | $2,697 | $185,367 |
See How Albany’s Costs Stack Up
The overall cost of living in Albany has an impact on home prices and how you fit mortgage payments into your budget. Here’s how Albany compares to other New York cities on an index where 100 equals the average cost of living in the U.S. As you can see, Albany hovers just over the national average, which is a deal compared to New York City.
| California City | Cost of Living |
|---|---|
| Albany | 104.7 |
| Buffalo | 95.7 |
| Herkimer County | 92.9 |
| Nassau County | 136.0 |
| New York (Brookylyn) | 161.1 |
| New York (Manhattan) | 230.6 |
| New York (Queens) | 149.8 |
| Ostego County | 99.6 |
| Rochester | 99.1 |
| Syracuse | 102.9 |
| Utica-Rome | 95.9 |
Recommended: Average Monthly Expenses for One Person
Albany Mortgage Rate Trends
Historical U.S. Mortgage Rates
The chart shows a longer view of the national average mortgage rate for a fixed-rate, 30-year loan. While rates have recently risen, they remain well below the historic highs of years past. For example, in 1981, the 30-year fixed-rate mortgage hit a whopping 18.63%. Today, rates in Albany are closer to the 50-year average, which could signal a prime opportunity to explore mortgage options and consider purchasing a home or investment property in the area.
Historical Interest Rates in New York
Knowing the historical context of mortgage rates in Albany can be a powerful tool for those looking to buy a new home. As you can see in the table, New York mortgage rates tend to fall just below the national average.
| Year | New York Rate | U.S. Rate |
|---|---|---|
| 2000 | 8.10 | 8.14 |
| 2001 | 7.02 | 7.03 |
| 2002 | 6.47 | 6.62 |
| 2003 | 5.63 | 5.83 |
| 2004 | 5.70 | 5.95 |
| 2005 | 5.78 | 6.00 |
| 2006 | 6.44 | 6.60 |
| 2007 | 6.40 | 6.44 |
| 2008 | 6.03 | 6.09 |
| 2009 | 5.06 | 5.06 |
| 2010 | 4.80 | 4.84 |
| 2011 | 4.55 | 4.66 |
| 2012 | 3.62 | 3.74 |
| 2013 | 3.77 | 3.92 |
| 2014 | 4.08 | 4.24 |
| 2015 | 3.81 | 3.91 |
| 2016 | 3.62 | 3.72 |
| 2017 | 3.91 | 4.03 |
| 2018 | 4.37 | 4.57 |
How to Get Your Best Possible Rate in Albany
To land the most favorable mortgage rates in Albany, you’ll want to put your best financial foot forward:
• Start by boosting your credit score: Always pay your bills on time, and check your credit report for errors.
• Keep your debt-to-income (DTI) ratio below 36% to look less risky to lenders.
• A larger down payment can also work in your favor, potentially reducing the loan amount and nixing the need for private mortgage insurance.
• Lenders will also take a good look at your income stability and assets, so make sure they’re in order.
• Getting preapproved by a lender can help you lock in a great rate.
• And don’t forget to shop around — comparing offers from multiple lenders can lead you to the best mortgage rates Albany has to offer.
Tools & Calculators
Whether you’re buying your first home or a seasoned house hunter, online calculators can help you budget and try out different mortgage scenarios. A mortgage payment calculator is your best friend, allowing you to estimate monthly payments based on different interest rates and loan terms. It can also illuminate the potential impact of a larger down payment or a shorter loan term on your overall financial health. And don’t forget the home affordability calculator, which can help you set a realistic budget and make a decision that will safeguard your future finances.
Run the numbers on your home loan.
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Mortgage calculator
Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.
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Down payment calculator
Enter a few details about your home loan and we’ll provide your monthly mortgage payment.
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Home affordability calculator
Provide us with a few details and see how much you can afford to spend on a home purchase.
Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.
Types of Mortgages Available in Albany, New York
In Albany, the mortgage market is as diverse as the city itself. Conventional loans usually require a credit score of 620 or above, while government-insured FHA, VA, and USDA loans can accept credit scores as low as 500. Once you zero in on the type of mortgage loan you want, you’ll have a better idea of the interest rate you might be offered.
Fixed-Rate Mortgage
Fixed-rate mortgages ensure your interest rate remains constant for the loan’s entirety. This simplifies your financial planning and shields you from future rate hikes. With loan terms typically spanning 10, 15, 20, or 30 years, you have the flexibility to select a duration that aligns with your financial goals. For many homebuyers in Albany, fixed-rate mortgages are the pathway to peace of mind and financial stability.
Adjustable-Rate Mortgage (ARM)
Adjustable-rate mortgages (ARMs) often start with a lower interest rate than fixed-rate loans. That can be appealing if you’re planning to sell your home before the initial fixed-rate period ends. After that, the rate could go up or down based on the market and your monthly payments could change. An ARM could be a smart financial move if you think you’ll be moving or refinancing in a few years.
FHA Loan
With the backing of the Federal Housing Administration, these loans often come with more flexible eligibility requirements than conventional options. You’re typically looking at a minimum credit score of 580 to qualify with a 3.5% down payment. If your credit score is between 500 and 579, you’ll need a 10% down payment. Government-backed loans are often a great fit for first-time homebuyers or those with limited financial resources.
VA Loan
VA loans are a fantastic opportunity for house hunters who have served our country. These loans are available to eligible active-duty military members, veterans, reservists, National Guard members, and surviving spouses. One of the most significant benefits of VA loans is that they typically do not require a down payment, and there is no private mortgage insurance. However, there is a one-time funding fee of between 1.25% and 3.3% of the loan amount.
Jumbo Loan
In Albany, the 2026 cap for a single-family home with a conventional mortgage loan is $832,750. Jumbo loans, on the other hand, are tailored for high-value properties that require a larger loan amount. They often come with more stringent credit requirements and may have higher interest rates.
How to Evaluate Loan Offers in Albany
Securing a competitive mortgage rate is a key step in saving over the life of your loan. Even half a percentage point can spell significant savings in the long run. It’s wise to compare interest rates and fees from multiple lenders. Make sure to check the annual percentage rate (APR) for each, since that encompasses fees, closing costs, and discount points. Going through the mortgage preapproval process can mean you’re ready to seize the day if you find the right property.
Worried about rates going up? You can opt to pay a fee to lock in your rate for up to 90 days.
Albany Mortgage Resources
Did you know you can still qualify as a first-time homebuyer if you haven’t owned a primary residence within the last three years?
New York State offers a number of resources and down payment assistance programs tailored to first-time buyers and those with financial constraints.
Programs like SONYMA’s Achieving the Dream and the HomeFirst Down Payment Assistance Program are here to provide substantial support.
Closing Costs in Albany
If you’re purchasing a home in Albany, plan to set aside between 2% and 5% of your loan amount to cover closing costs. For a $303,000 home (the average home value in Albany), that’s between $6,000 and $15,000. The specific amount you’ll need to budget for can vary based on factors such as the property’s value and location.
The Takeaway
Albany, the state capital of New York, has a mortgage landscape as diverse as the community it serves. Whether you’re a first-time buyer or a seasoned homeowner looking to refinance, understanding the market and the resources available to you is key to making a smart financial decision and ensuring that you’re getting the best deal on your home purchase or refinance.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
Will mortgage rates drop in Albany, New York?
Keep an eye on economic indicators and Federal Reserve rate announcements for valuable insight into the future movement of mortgage rates. While rates are expected to hold steady through 2026, even a fraction of a percentage point dip can save homebuyers thousands in interest.
Is it a good time to buy a house in Albany, New York?
The answer mostly depends on your financial readiness. Take a look at your budget and see if there are any assistance programs that could help you. Then consult a local expert, like an experienced real estate agent or mortgage broker, for their take on where the Albany housing market is headed.
How do I lock in my mortgage rate?
Compare offers from multiple lenders, ask about rate lock policies, and understand the lock period, which can range from 30 to 90 days. Lenders may charge a fee of 0.25% to 0.5% of the loan amount, which is credited back to the borrower when the mortgage closes.
How do mortgage interest rates function?
Mortgage interest rates are determined by a variety of factors, including the state of the economy and your personal financial situation. Fixed-rate mortgages have a constant interest rate over the life of the loan, while adjustable-rate mortgages (ARMs) have an interest rate that can rise or fall periodically.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.
HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.
SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.
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More home loan resources.
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First-Time Homebuyer Guide
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First-Time Homebuyer Programs and Loans
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Mortgage Preapproval Process
Apply online or call us for a complimentary mortgage consultation.
University of Colorado Boulder Tuition and Fees
University of Colorado Boulder Tuition and Fees
Total Cost of Attendance
Located in the foothills of the Rocky Mountains, the University of Colorado Boulder (CU Boulder) is a four-year public research institution with numerous undergraduate and graduate programs. The university, which has more than 270 fields of study, is known for its strong programs in engineering, physics, and environmental science.
For the 2023-2024 academic year, tuition for in-state students was $16,430, while out-of-state tuition was $41,943. Below is a breakdown of the total cost of attendance for students attending the University of Colorado Boulder.
|
CU Boulder Costs |
In-State |
Out-of-State |
|
Tuition & Fees |
$16,430 |
$41,943 |
|
Books & Supplies |
$1,200 |
$1,200 |
|
Room & Board |
$16,950 |
$16,950 |
|
Other Expenses |
$3,104 |
$3,104 |
|
Total Cost of Attendance |
$37,684 |
$63,197 |
Financial Aid
At the University of Colorado Boulder, 66% of undergraduate students enrolled full-time received financial aid for the 2022-2023 academic year. Grant or scholarship aid was the most common form of financial aid, with 54% of undergraduates getting these awards, totaling $10,838 on average.
Approximately 15% of CU Boulder undergrad students received federal Pell Grants, which are awarded to students who demonstrate exceptional financial need, with an average grant of $5,376.
Explore financial aid options: Colorado Student Loan & Scholarship Information
Generally, financial aid is monetary assistance awarded to students based on personal need and merit. Students who qualify for financial aid can use it to pay for college costs like tuition, books, and living expenses.
The federal government is the largest provider of student financial aid. However, aid can also be given by state governments, colleges and universities, private companies, or nonprofits. The different types include:
• Scholarships: These can be awarded by schools and other organizations based on students’ academic excellence, athletic achievement, community involvement, job experience, field of study, and financial need.
• Grants: Generally based on financial need, these can come from federal, state, private, and non-profit organizations.
• Work-study: This federal program provides qualifying students with part-time employment to earn money for expenses while in school.
• Federal student loans: This is money borrowed directly from the U.S. Department of Education. It comes with fixed interest rates that are typically lower than private loans.
Colleges, universities, and state agencies use the Free Application for Federal Student Aid (FAFSA) to determine financial aid eligibility. The FAFSA can be completed online, but note that state, federal, and school deadlines may differ.
You can find other financial aid opportunities on databases such as:
• US Department of Education – Search for open and upcoming grant opportunities grants from colleges and universities by state
• College Scholarship Service Profile (CSS) – A global college scholarship application used by select institutions to award financial aid
• SoFi Scholarship Finder – Search thousands of scholarships, grants, and other aid award opportunities and filter for specific criteria, including location and field of study.
Recommended: The Differences Between Grants, Scholarships, and Loans
Private Student Loans
In 2022-2023, 7% of first-time undergraduate students at CU Boulder took out private student loans to cover educational costs. The average private student loan amount was $27,144. In comparison, 29% of students received federal student loans, with an average award of $5,101.
Private loans are funded by private organizations such as banks, online lenders, credit unions, some schools, and state-based or state-affiliated organizations. While Federal student loans have interest rates that are regulated by Congress, private lenders follow a different set of regulations, so their qualifications and interest rates can vary widely.
What’s more, private loans have variable or fixed interest rates that may be higher than federal loan interest rates, which are always fixed. Private lenders may (but don’t always) require you to make payments on your loans while you are still in school. Federal student loans don’t have to be paid back until after you graduate, leave school, or change your enrollment status to less than half-time.
Private loans don’t have a specific application window and can be applied for on an as-needed basis. However, if you think you may need to take out a private loan, it’s a good idea to submit your FAFSA first to see what federal aid you may qualify for because it generally has better rates and terms.
If you’ve missed the FAFSA deadline or you’re struggling to pay for school during the year, private loans can potentially help you make your tuition payments. Just keep in mind that you will need enough lead time for your loan to process and for your lender to send money to your school.
Recommended: Guide to Private Student Loans
Projected 4-Year-Degree Price
Based on the 2023-2024 tuition and costs, a four-year degree at CU Boulder would cost $150,736 for in-state students and $252,788 for out-of-state students, without factoring in any cost increases. This is higher than the average cost for four years at a public university in the U.S., which is $115,360, according to CollegeData.com.
This student loan and scholarship information may be valuable as you research schools and costs.
Undergraduate Tuition and Fees
|
CU Boulder Costs 2023-2024 |
In-State |
Out-of-State |
|
Tuition & Fees |
$16,430 |
$41,943 |
|
Books & Supplies |
$1,200 |
$1,200 |
|
Total Cost of Attendance |
$17,630 |
$43,143 |
The CU Boulder tuition and fees for students who are Colorado residents is $16,430, while students from other states pay $41,943. In comparison, the average cost for in-state and out-of-state students to attend public university in the U.S. is $11,260 and $29,150, respectively.
The cost for room and board at CU Boulder is $16,950 for in-state and out-of-state students. This is more than the average room and board at other public universities, which is $12,770.
This puts the total at University of Colorado Boulder — $33,380 for in-state students and $58,893 for those out-of-state — notably higher than the average total cost of attendance at public colleges in the U.S, which is $28,840 in-state and $46,730 out-of-state.
Graduate Tuition and Fees
|
CU Boulder costs 2023-2024 |
In-State |
Out-of-State |
|
Tuition |
$15,849 |
$36,407 |
|
Fees |
$1,613 |
$1,613 |
|
Total |
$17,462 |
$38,020 |
Students at University of Colorado Boulder pay $15,889 for graduate school tuition if they live in Colorado, or $36,407 if they’re coming from another state. Graduate students are also required to pay $1,613 in fees for student services, including transit passes and mental health resources.
In comparison, the average cost of a two-year Master’s degree from a public university is $51,740, or $25,870 per year. Students may consider graduate loans alongside scholarships, grants, and teaching assistantships to pay for their degree.
Cost per Credit Hour
Undergraduate students enrolled at the University of Colorado Boulder for 12 credit hours are considered full-time students and pay a flat rate for tuition based on their residency status. For students taking fewer than 12 credits in the 2023-2024 academic year, the cost per credit hour amounts to approximately $991 for in-state undergraduate students and $2,275 for out-of-state undergrads.
• The cost per credit hour for undergraduates at the main campus in Tallahassee in 2024-25 is $215.55 for in-state students and $721.10 for out-of-state students.
• The cost per credit hour for graduate students at the main campus in 2024-25 is $479.32 for in-state students and $1,110.72 for out-of-state students.
Tuition costs at Florida State have risen slowly over the past decade, and didn’t increase at all from 2023-24 to 2024-25.
Campus Housing Expenses
Costs for 2023-24
|
CU Boulder Costs |
On-Campus |
Off-Campus |
|
Room & Board |
16,950 |
$15,470 |
|
Other Expenses |
$3,104 |
$3,104 |
Freshmen are required to live on campus in one of CU Boulder’s 24 residence halls. The university also has two apartment style living halls. Some of the residence halls have eligibility requirements, such as being in a certain degree program or school.
Students may pay slightly less by living off campus, depending on the type of housing and number of roommates they have. The average price for a two-bedroom apartment in Boulder is approximately $2,379. Just keep in mind that you may need to sign a lease for a full year, not the academic year. CU Boulder maintains a university-affiliated resource to help students find off-campus housing.
Florida State University Acceptance Rate
Fall 2023
|
Number of Applications |
Percentage Accepted |
|
56,069 |
83% |
Boulder accepted 83% of applicants for the fall 2023 semester. Around 16% of the students who were accepted enrolled at the university.
Admission Requirements
CU Boulder handles undergraduate admission on a rolling basis for the fall and spring semesters, so students will receive a decision shortly after applying. CU Boulder applications for the fall 2025 semester are due by July 15, 2025, while applications for the spring 2026 semester are due November 15, 2025.
Here are the admission requirements and recommendations for first-year students:
Required:
• High school or secondary school transcripts
• Common Application personal essay
• Essay on academic interest
• Letter of recommendation
• English proficiency test for international applicants
Recommended:
• ACT and SAT scores
• Resume or activities list
SAT and ACT Scores
Standardized test scores, including the ACT and SAT, are not required for first-year students to gain admission to CU Boulder. However, students may choose to submit their SAT and ACT scores for consideration with their application.
Only 20% of students self-reported their SAT scores, and just 8% self-reported their ACT scores for the 2023-2024 academic year. Here are the 25th and 75th percentile numbers by subject.
|
Subject |
25th Percentile |
75th Percentile |
|
SAT Evidence-Based |
620 |
700 |
|
SAT Math |
610 |
720 |
|
ACT Composite |
28 |
33 |
|
ACT English |
27 |
34 |
|
ACT Math |
25 |
31 |
Popular Majors
CU Boulder offers more than 90 majors across a variety of departments and disciplines across seven colleges and schools. These are the 10 most popular degree programs.
1. Business Administration and Management
The Bachelor of Science in Business Administration is the most popular major at CU Boulder. Students in this program specialize in one of five areas: accounting, finance, management and entrepreneurship, marketing, or real estate.
Undergraduate degrees in 2022-23: 1,201
2. Engineering
The College of Engineering and Applied Sciences offers more than a dozen engineering majors. Students may choose their own specialization, such as aerospace, mechanical, or chemical engineering, and combine their major with a minor or certificate.
Undergraduate degrees in 2022-23: 865
3. Psychology
Students who major in psychology can explore specialized topics in the field, including behavioral genetics, clinical psychology, child development, women’s health, and judgment and decision making.
Undergraduate degrees in 2022-23: 524
4. Computer Science
This major provides CU Boulder students with hands-on education in programming and operating systems. Computer science majors are required to also take courses in mathematics, humanities or social sciences, and natural sciences.
Undergraduate degrees in 2022-23: 472
5. Strategic Communication
Majoring in strategic communication prepares students for a career in public relations, advertising, or media design. Students in this program have the opportunity to work on real-world, client-based projects with industry professionals as part of their coursework.
Undergraduate degrees in 2022-23: 411
6. Integrative Physiology
Students in this multidisciplinary program learn how humans and other organisms function, including anatomy and biochemistry. Integrative physiology is a popular major for premedical students because it includes required coursework for continued education and training in other areas of health and medicine. Integrative physiology majors have the opportunity to participate in independent research projects.
Undergraduate degrees in 2022-23: 345
7. Political Science
Political science majors take coursework in public policy, international relations, political theory, and other focus areas to develop critical thinking and communication skills. This major prepares them for careers in a variety of fields, including government, criminology, and journalism.
Undergraduate degrees in 2022-23: 258
8. Economics
Economics majors at CU Boulder explore how people, businesses, and governments choose to allocate their resources. In addition to theoretical coursework, students are also trained in quantitative and economic analysis.
Undergraduate degrees in 2022-23: 243
9. Environmental Studies
This interdisciplinary major combines coursework in sciences, policy, ethics, economics, writing, and math to equip students with the knowledge and skills to address major environmental problems.
Undergraduate degrees in 2022-23: 194
10. Ecology and Evolutionary Biology
Undergrads in this major develop knowledge of biological processes in a chosen focus area, such as botany and biodiversity. Through their schooling, students are prepared for a variety of careers, including science education, conservation biology, resource management, environmental consulting, and law.
Undergraduate degrees in 2022-23: 173
Graduation Rate
More than half of CU Boulder students graduate in four years. Here is the graduation rate for students who began their studies at CU Boulder in 2017:
• 4 years: 58%
• 6 years: 75%
Post-Graduation Median Earnings
Students who graduate from CU Boulder earn a median salary of $69,738. This is slightly more than the average salary of $68,680 for students graduating with a bachelor’s degree.
Bottom Line
The University of Colorado Boulder provides a quality education, strong research opportunities, and a vibrant campus life for students. Though the cost of attendance is relatively high for a public university, most students receive some form of financial aid. And graduates of CU Boulder can expect to earn above average salaries.
SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.
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Current Mortgage Rates in Tampa, FL Today
Apply online or call for a complimentary mortgage consultation.
Compare mortgage rates in Tampa.
Key Points
• Mortgage rates in Tampa are influenced by economic conditions and personal financial factors such as credit score.
• Even a slight change in mortgage rates can have a big impact on your monthly payment and the amount you’ll pay over the life of your loan.
• Florida has resources and programs to make the dream of homeownership a reality for first-time buyers and those with limited financial resources.
• Fixed-rate mortgages provide predictability, while adjustable-rate mortgages (ARMs) usually have a lower introductory rate, but adjust up or down after that.
• Fixed-rate mortgages provide predictability, while adjustable-rate mortgages (ARMs) usually have a lower introductory rate, but adjust up or down after that.
Introduction to Tampa Mortgage Interest Rates
Mortgage rates in Tampa are a key consideration for anyone looking to buy a home. They can greatly affect how much home you can afford and what your long-term financial planning looks like. This guide will help you understand how mortgage rates are determined and how you can get the best rate for your situation — it’s especially helpful if you are buying your first home. Step one in your mortgage journey? Understanding where rates in Tampa come from.
Where Mortgage Rates Come From
The rate a homebuyer obtains for their home loan is influenced by a combination of factors, including the economy and the borrower’s financial situation and credit history. Let’s break it down:
Economic Factors Influencing Mortgage Rates
• The bond market, particularly the 10-year U.S. Treasury Note, has historically been a primary indicator of where mortgage rates are headed. When the rates on the note rise, mortgage interest tends to head in the same direction.
• The health of the housing market also plays a role. When the housing market cools and more homes are available than there are buyers, lenders may lower rates to keep attracting customers.
• Inflation and unemployment also play a role in determining mortgage rates. When the economy is strong, mortgage rates tend to rise, reflecting the potential for increased demand for borrowing and potentially higher costs for lenders providing loans to consumers. A recession is usually accompanied by lower mortgage rates.
Borrower Factors Influencing Mortgage Rates
• Your credit score is a significant predictor of the rate you’ll be offered. The higher the score, the lower the rate you’ll likely obtain.
• The amount of your down payment plays a role as well. Making a larger down payment can result in a lower interest rate because borrowers who have more equity in their newly purchased property are perceived as a lower default risk by the lender.
• Your debt-to-income (DTI) ratio is also important. Lenders will look at your income in relation to your monthly debts. In general, mortgage lenders like to see a DTI ratio of no more than 36%, though that is not necessarily the maximum.
The type of home mortgage loan you choose and its term will also impact your interest rate. We’ll get into that in more detail below.
In general, mortgage lenders like to see a DTI ratio of no more than 36%, though that is not necessarily the maximum.
More home loan resources.
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First-Time Homebuyer Guide
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First-Time Homebuyer Programs and Loans
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Mortgage Preapproval Process
Apply online or call us for a complimentary mortgage consultation.
Warren Buffett Lessons for All of Us
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Warren Buffett’s decision to step down as CEO of Berkshire Hathaway marks the end of an era for the famous investment conglomerate. But his pending retirement is arguably far more significant for the financial world at large.
The 94-year-old billionaire investor and philanthropist has been a cultural icon for decades. His plainspoken, relatable advice — the highlight of Berkshire’s annual shareholder meetings and letters — contains lessons and inspiration for all of us who are looking to take control of our financial futures.
In fact, his approach to money — characterized by common sense, discipline, and a focus on long-term value — has become a cornerstone of financial literacy.
So what? Buffett has served as a reassuring beacon of sound financial advice for most of our lifetimes, using his unique homespun style to educate Americans about not just investing, but saving, borrowing, learning and adapting. As his platform and level of influence change with the shift in Berkshire leadership, let’s not forget the many important principles he has helped instill.
Here are just a few of Buffett’s most valuable insights from over the years:
On the importance of good money habits:
“You can’t start young enough on working on good money habits… Someone said that the chains of habit are too light to be felt until they’re too heavy to be broken. And habits really make an enormous difference in your life.” (2015)
On the value of long-term investing:
“You do not have to know as much about accounting or stock market terminology or whatever else it may be… None of that counts at all, really, in a lifetime of investing. What counts is having a philosophy that you stick with.” (2018)
“I don’t try and guess the stock market; I just buy businesses I like.” (2017)
“The stock market is there to serve you and not to instruct you. You need to formulate your [own] ideas on price and value… If the price gets cheaper and you have funds, you know, logically, you should buy more.” (2003)
On why time is so important for leveraging compound interest:
“The nature of compound interest is, it behaves like a snowball of sticky snow. And the trick is to have a very long hill — which means either starting very young or living to be very old.” (1999)
On credit card debt:
“If I had one piece of advice to give to young people — you know, across the board — it would be just don’t get in debt…The game plays a lot easier if you’re a little bit ahead of the game than if you’re behind the game.” (2004)
On the link between happiness and money:
“I probably know as many rich people as just about anybody. I don’t think they’re happier because they get super rich. I think they are happier when they don’t have to worry about money.” (2019)
Related Reading
• Warren Buffett: The End of an Era (FXStreet)
• How Warren Buffett Changed the Way Investors Think of Investing (The New York Times via InsuranceNewsNet)
• 5 Money Lessons Warren Buffett Taught His Kids That You Can Teach Yours (The Economic Times)
Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.
The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.
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Read moreKelsea Ballerini
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TN students can get between $5 and $1K in stock—on us.
We’ve partnered with Kelsea Ballerini to help Tennessee students start investing early by offering each student a minimum of $5 in stock—and the chance to get up to $1,000—to start building their portfolio by opening a SoFi Active Invest account.* It’s just one aspect of the Rising Stars Program.
Get started
*The removal of the funding requirement for 18-24 year olds in TN for Claw Promotion is valid between 6/6/25 and 7/31/25. Probability of member receiving $1,000 is 0.028%. See full terms and conditions here.
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SoFi is investing $2M+ to support TN students
through the Rising Stars Program.
We partnered with Kelsea Ballerini to create the Rising Stars Program. Our goal: To help support the next generation of Tennessee students with financial skills and resources they need to succeed in their postsecondary education, pursue meaningful careers, and build generational wealth.
Here are the two ways we’re doing this:
{/* We’re empowering TN students to start investing early */}
We’re empowering TN students
to start investing early.
Up to $1,000 in stock for each TN student on us
Tennessee students—let’s get you started on your investing journey. We’re helping to start your first investing step by offering every TN student, ages 18-24, your first investment on us—a minimum of $5 (with the chance of getting $1,000) in stock.* Open a SoFi Active Invest account now through 7/31/25.
Benefits of investing with SoFi:
• An all-in-one investing platform that’s easy to use
• Trade stocks and ETFs with no commission fees (other fees apply)
• Get a complimentary 30-minute session with a financial planner via SoFi Wealth, LLC
Get started
*The removal of the funding requirement for 18-24 year olds in TN for Claw Promotion is valid between 6/6/25 and 7/31/25. Probability of member receiving $1,000 is 0.028%. See full terms and conditions here.
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In partnership with tnAchieves, the Rising Stars Program is holistically supporting students as they pursue higher education.
The nonprofit tnAchieves is a nationally recognized leader in college access and success. Through the tnAchieves COMPLETE program, Tennessee students receive critical support and mentorship they need to earn a postsecondary education. Students in the tnAchieves COMPLETE program are 6x more likely to graduate than their peers—a testament to the program’s methods of success.
Grants to students in the tnAchieves COMPLETE program
These grants will allow tnAchieves to offer financial resources to more students—think essentials like food, housing, laptops, textbooks, and even emergency expenses. Because when students have security in their essentials, their studies can come into focus.
A financial readiness curriculum
SoFi is offering a financial readiness curriculum for tnAchieves students that covers topics like budgeting, investing, and saving for future life milestones. In addition, SoFi will offer resources for COMPLETE coaches so they can best serve 1-on-1 tailored support to their students.
Learn more
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The SoFi Generational Wealth Fund impact.
SoFi has already contributed millions of dollars across several other initiatives to empower underserved communities to build wealth for the next generation.
By helping low-income families buy their first homes.
Learn more
By helping families grow and build generational wealth.
Learn more
By funding public high school sports programs in need.
Learn more
By empowering women’s financial independence.
Learn more
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FAQs
Anyone ages 18+ who opens a SoFi Active Invest account through the Rising Stars Program will automatically be directed to the offer, but only individuals who are ages 18-24 and reside in Tennessee will be exempt from the standard $50 deposit minimum requirement.
The interest form is not required for eligibility—it’s just so we can contact you to let you know when the offer becomes available in June. If you don’t wish to provide your information, you can just check back on this page in June to open your account when the offer opens.
The SoFi Generational Wealth Fund is a series of initiatives through which SoFi works to help close the generational wealth gap in America by empowering underserved communities to get their money right and achieve their ambitions. See above to learn more about our impact to date.
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