SoFi Blog

Tips and news—
for your financial moves.

Sep
18
2025

SoFi Unlimited 2% Credit Card Terms & Conditions

By | Uncategorized | Comments Off on SoFi Unlimited 2% Credit Card Terms & Conditions

SoFi Unlimited 2% Credit Card Terms & Conditions

SOFI CREDIT CARD TERMS OF OFFER INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

The standard variable APR for purchases is 29.24%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

29.24%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. SoFi is currently accepting Balance Transfers from recipients of promotional offers only. We will inform you when this feature is widely available.

Annual Percentage Rate (APR) for Cash Advances

30.74%. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases made during the most recent billing cycle if you pay your entire balance (adjusted for any financing plan, if applicable) in full on or before the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore

FEES
Annual Fee None
Transaction Fees

  • Balance Transfer Fee
  • Cash Advance Fee

  • The greater of $10 or 5% of the Balance Transfer
  • The greater of $10 or 5% of the Cash Advance
Penalty Fees

  • Late Payment Fee
  • Returned Payment Fee

  • Up to $41
  • None

How We Will Calculate Your Balance

We use the “daily balance” method, including new transactions, to calculate the daily balance on which we will charge interest.

Loss of Introductory APR

We may revoke any promotional APR if you fail to make a payment of at least the minimum payment due within 60 days of the due date. Your new APR will be the Standard Purchase APR.

Variable Rates

Your Daily Periodic Rate(s) and corresponding Annual Percentage Rate(s) will change if the Prime Rate changes. If the Daily Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase, and your minimum payment will be greater. Complete details regarding how the variable rate is determined are set forth in the Cardholder Agreement.

Payment Allocation

We decide how to apply your payment, up to the minimum payment, to the balances on your account. We may apply the minimum payment first to interest charges, then to the balances with the lowest APR, and then to the balances with higher APRs.

If you pay more than the Minimum Payment, we’ll apply the amount over the Minimum Payment, first to the Balance with the highest APR, then to the Balance with the next highest APR, and so on, except as otherwise required by applicable law.

SoFi Unlimited 2% Credit Card Terms & Conditions

The SoFi Unlimited 2% Credit Card is issued by SoFi Bank, N.A. (“SoFi”, “we”, “us”, or “our”). By submitting this application, you request that we establish a card account (“SoFi Credit Card Account”) for you and any authorized users you have designated. You agree that all information provided in this application is verifiable and accurate. The SoFi Credit Card Account will be governed by the terms of the cardholder agreement (“Cardholder Agreement”), which will be provided when the SoFi Credit Card Account is issued.

Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by SoFi Bank, N.A., as issuer. Please allow thirty (30) days from the date of submission to process your application.

You must be at least 18 years of age (or of legal age in your state of residence). The card offer referenced in this communication is only available to individuals who reside in the United States. This communication is not and should not be construed as an offer to individuals outside of the United States.

Identity Verification

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a SoFi Credit Card Account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open a SoFi Credit Card Account. We may also ask to see your driver’s license or other identifying documents and obtain identification information about you or any authorized user you add to your SoFi Credit Card Account.

Credit Reports

Upon completion of your Credit Card application and submission, you authorize us to request a copy of your credit report from one or more consumer agencies. Upon receiving your completed application, we will conduct a soft credit pull, which will not impact your credit score. You hereby authorize us to conduct a soft credit pull upon receipt of your application. You understand that after evaluating your completed application and soft pull credit report, we may determine not to offer credit to you. If we approve your application, we will conduct a hard credit pull, which might impact your credit score. You hereby authorize us to conduct a hard credit pull following the approval of your application.

You authorize us to request credit reports and other information about you from consumer reporting agencies and other sources for such purposes as: (a) determining whether to issue you a SoFi Credit Card Account, (b) administering, reviewing, and renewing the SoFi Card Account, (c) credit line increases or decreases, (d) collection and other servicing of the SoFi Credit Card Account, (e) offering other products, (f) services, and (g) for any other uses permitted by law. We may report negative information about your SoFi Credit Card Account payment history, like delinquencies, to consumer reporting agencies.

Cardholder Agreement

If you are approved for a SoFi Credit Card Account, you’ll receive the Cardholder Agreement. By activating your SoFi Credit Card Account, using the SoFi Unlimited 2% Credit Card or making any payment to your Account, you are agreeing to be bound by the terms of the Cardholder Agreement. We have the right to make changes to the terms of your SoFi Credit Card Account (including rates and fees) in accordance with the Cardholder Agreement.

In New York, this Agreement begins on the first date that you sign a sales slip or memorandum evidencing the purchase of goods or services.

Credit Eligibility

To receive a SoFi Credit Card Account, you must meet certain applicable criteria bearing on creditworthiness. Your revolving credit limit may be determined based on the following:

  • Your annual salary and wages
  • Any other annual income
  • A review of your debt, including the debt listed on your credit report.
  • A review of your credit history and other factors deemed relevant by the issuer

We’ll inform you of your revolving credit limit when you’re approved for your SoFi Credit Card Account. Some credit limits may be as low as $500.

About Adding An Authorized User

Before adding an authorized user to your SoFi Credit Card Account you should know that:

  • You’re responsible for all charges made to your SoFi Credit Card Account by the authorized user
  • Authorized users have access to your SoFi Credit Card Account information
  • Before adding an authorized user, you must first let them know that we may report SoFi Credit Card Account performance to the credit reporting agencies in the authorized user’s name
  • A review of your credit history and other factors deemed relevant by the issuer

If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

Additional Information

Any benefit, reward, service, or feature offered in connection with your Card Account may change or be discontinued at any time for any reason except as otherwise expressly indicated. SoFi Bank isn’t responsible for products and services offered by other companies.

SoFi Unlimited 2% Credit Card Rewards Program

With the SoFi Unlimited 2% Credit Card, you can earn rewards points for purchases made using your card, and you can redeem those points for statement credits, rewards offered through the SoFi Member Rewards Program, or other rewards offered from time to time. More details onSoFi Unlimited 2% Credit Card Rewards can be found here.

SoFi Member Rewards Program

As a SoFi Member, you can earn points by using features across SoFi products that are designed to help you Get Your Money Right. When you elect to redeem Rewards Points toward active SoFi accounts, including but not limited to your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your Rewards Points will redeem at a rate of 1 cent per every point.

Mastercard World Benefits

You are also eligible for more rewards through the Mastercard World Elite Benefits program when shopping with eligible merchants. More details on the Mastercard World Elite Benefits program can be found here.

Fraud, Misuse, Abuse, or Suspicious Activity

If we see evidence of fraud, misuse, abuse, or suspicious activity, we’ll investigate and, if we determine that fraud, misuse or abuse has occurred, we may take action against you. This action may include, without limitation and without prior notice:

  • Taking away the rewards points you earned because of fraud, misuse, or abuse
  • Suspending or closing your SoFi Credit Card Account
  • Taking legal action to recover our monetary losses, including litigation costs and damages

Some examples of fraud, misuse, abuse and suspicious activity include:

  • Using your SoFi Credit Card Account in an abusive manner for the primary purpose of acquiring rewards points
  • Using your SoFi Credit Card Account other than primarily for personal, consumer, or household purposes

SoFi Bank reserves the right to take action, including but not limited to those actions enumerated above, based on your activity across any SoFi product, as well as external information received from SoFi third-party vendors, external bureaus, or industry referrals.

Special Notices

California Residents:
If married, you may apply for a separate account.

Delaware Residents:
Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Ohio Residents:
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

Wisconsin Residents:
If you are applying for individual credit or joint credit with someone other than your spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse’s financial information. No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under section 766.70 adversely affects the interest of the lender, unless the lender, prior to the time credit is granted, is furnished a copy of the agreement, statement of decree or has actual knowledge of the adverse provision when the obligation to the lender is incurred. If married, you understand that your lender must inform your spouse if a credit account is opened for you.

Additional documents

As a reminder, the SoFi Unlimited 2% Credit Card is a completely digital product. All written communications related to the card will be online or in electronic format. The following is a link to the SoFi Esign terms and conditions that you must agree to in connection with your application for the SoFi Unlimited 2% Credit Card.

Read more
Sep
17
2025

invest-test-1141341

By | Uncategorized | Comments Off on invest-test-1141341

{/* Invest Evergreen */}
{/* www.sofi.com/invest/ */}

{/* claw 1x hero */}


SOFI INVEST®

‘Tis the season to triple your stock bonus.


For a limited time, get up to $3,000 in stock when you open and fund a SoFi Active Invest account through SoFi Securities, LLC. That’s triple our usual offer! Offer ends 1/2/26.



Get started

*Offer valid from 12/15/25 through 1/2/26. Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $15. Probability of member receiving $3,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $3,000 are subject to decrease. See full terms and conditions.

{/* All Version Banner */}

👥 Over
79,771
SoFi Invest® accounts opened in the last month.*

*Number of members as of 12/18/2025

{/* original hero */}


Online Investing

All-in-one investing

that’s easy to use.


Trade stocks and ETFs, invest in IPOs at IPO prices, or try automated investing— all in the SoFi app.
Plus, you’ll get up to $1,000 in stock when you fund a new account.†




Trade now

†Customer must fund their Active Invest account with at least $50 within 45 days of opening
the account. Probability of customer receiving $1,000 is 0.026%. See full terms and conditions.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC. Brokerage services
are provided to SoFi Wealth LLC by SoFi Securities LLC.
Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC.

{/* All Version Banner */}

👥 Over
79,771
SoFi Invest® accounts opened in the last month.*

*Number of members as of 12/18/2025

{/* Left Column: Image (User handling image elements) */}

{/* Right Column: Copy */}

Your chance to become a SoFi Crypto Founding Member—
and win $1,000 in Bitcoin.*

    {/* Bullet 1 */}



  • Win bitcoin.

    100 Founding Members will each win $1,000 in Bitcoin for their portfolios.

    • {/* Bullet 2 */}




  • Trade to win.

    Every $10 in crypto trades is another chance to win. So a $100 trade means 10 entries, a $1,000 trade means 100 entries, and so on. Enter by 1/15/24.

    • {/* Bullet 3 */}




  • Get awarded.

    Each of the 100 Founding Members wins a custom keepsake to show off their smart move—getting in on SoFi Crypto.

{/* CTA Button */}


Learn more

{/* Disclaimer / Footer */}

*NO PURCHASE OR QUALIFYING TRANSACTION NECESSARY. Open only to legal residents of the 50 US/DC, 18+. Void where prohibited by law. Sweepstakes starts 12/14/23 at 9 am PT and ends 1/15/24 at 11:59 pm PT. 100 prizes available. Odds of winning depend on number of entries received. For full official rules, free entry method, and prize details, click here. Sponsor: SoFi Bank, National Association (“SoFi Bank”). 2750 E Cottonwood Pkwy #300, Cottonwood Heights, UT 84121.

{/* Reddit IPO Module */}

{/*

Access Reddit IPO shares with SoFi Active Invest®.

Reddit ($RDDT) just filed to go public. View the prospectus and request shares for an opportunity to invest in the IPO.


Get started

Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation.



*/}

{/*

Online Stock Trading

New! All-in-one
investing.
Now with IPOs.*

Invest in IPOs before public trading begins, trade stocks, ETFs—or start automated investing.


Trade now


Trade now


*/}

{/* More ways to invest- all in one place */}

More ways to

invest—all in one place.

Active Investing

Trade stocks and ETFs with no commissions or participate in upcoming IPOs before they trade on the public market. Plus, fractional shares mean you can buy a piece of your favorite companies for as little as $5. Restrictions may apply.**

Learn more →

Robo Investing

Not sure where to start? Tell us your risk tolerance and goals, and you’ll get a diversified portfolio automatically managed for you.

Learn more →

Retirement Accounts

Save for retirement with our active or automated Traditional, Roth, and SEP IRAs. Get access to a broad range of investment options, member services, and our robust suite of planning and investment tools.

Learn more →

Financial Planners

Get investment advice for your unique needs. Schedule an introductory 30-minute session with a SoFi Financial Planner, or upgrade to SoFi Plus to unlock unlimited sessions.3

Learn more →

Active Investing offered via SoFi Securities LLC; Robo Investing offered via SoFi Wealth LLC


{/* Options Module */}


{/* This is the main container for the two columns */}

{/* Column 1: Options Trading */}

AVAILABLE NOW!

We’re giving you more options when you want to trade options.

Trading options1 with SoFi means no commissions and no contract fees (other fees apply). And now our platform is opening up more possibilities for investors, to suit your experience and risk2 tolerance for options—all in the single, powerful SoFi app you already love.


Explore options


Learn more


Explore options


Learn more

1Options involve risk and are not suitable for all investors. Please read the Characteristics and Risks of Standardized Options before engaging in options trading.

2Check out the OCC Options Disclosure Document.


{/* Margin Investing Module */}

{/* Column 1: Options Trading */}

MARGIN INVESTING

Put your investments to work with new tiered margin rates.

Margin investing may let you borrow against your portfolio to increase your buying power and liquidity, all while staying invested. You could get interest rates from 5.00% to 9.75%, depending on your loan size. Note that if your investments drop, you still owe the loan plus interest and may need to add funds or sell assets.


Learn more


Get Started


Learn more


Get Started

Utilizing a margin loan is generally considered more appropriate for experienced investors as there are additional costs and risks associated. It is possible to lose more than your initial investment when using margin. Please see https://www.sofi.com/wealth/assets/documents/brokerage-margin-disclosure-statement.pdf for detailed disclosure information.

{/* SOFI PLUS EXCLUSIVE module */}


SOFI PLUS EXCLUSIVE

Get a 1% match on
recurring Invest
deposits, paid in
rewards points.4

Open an account

)}
layout=”columns”
/>


{/* Comment out calculator module

Please review the Customer Relationship Summary (Form CRS) which contains important information about the product, services, fees, and conflicts of interests of SoFi Securities LLC.

You may also learn more about SoFi Securities LLC and its Representatives on FINRA’s BrokerCheck.


*/}

{/* Sam Added CRS module*/}

Please review the Customer Relationship Summary (Form CRS) which contains important information about the product, services, fees, and conflicts of interests of SoFi Securities LLC.

You may also learn more about SoFi Securities LLC and its Representatives on FINRA’s BrokerCheck.

Learn more about investing.





See more investing articles


FAQs


How can I trade stocks without a commission?

Many brokerages charge trading fees to use their platforms. SoFi Active Investing, via SoFi Securities, offers online stock trading with no commissions so you can trade what you want, when you want—all from the SoFi App. Other Fees apply.


How do I open a SoFi Invest Account?

Go to SoFi Invest Home in the mobile app, tap Get Started, select Start Investing under active investing account. There you’ll find step-by-step instructions on how to get started. Or if you prefer desktop, head here.


Am I able to buy a part of a share rather than a whole?

Yes! You can purchase fractional shares for some stocks. We maintain a list of securities available for fractional trading in our fractional shares collection. All of these securities will appear on our “Fractional Collection” page within the Discovery section of the app. Trading restrictions may apply.


Can I buy my own stocks?

Yes—SoFi Active Investing, offered through SoFi Securities, allows users to buy and sell stocks and ETFs of their own choosing! For a more hands off investing approach, you can also select SoFi Robo Investing, offered through SoFi Wealth.


Is there an account minimum to start investing?

With Active Investing, via SoFi Securities, you can get started with as little as $5. With Robo Investing, via SoFi Wealth, you need a minimum of $50 to start investing.


See more FAQs



Read more
Sep
17
2025

Current 15-Year Fixed Mortgage Rate Today

By | 1_Web_ML, mortgage | Comments Off on Current 15-Year Fixed Mortgage Rate Today



15-Year Fixed Mortgage Rate

Check out our
current 15-year
fixed mortgage rate.

A 15-year fixed mortgage is a
conventional loan with an interest
rate that doesn’t fluctuate for the
life of the loan.

Check out SoFi’s 15-year fixed mortgage rate today.


View your rate


Checking won’t affect your credit score.

{/* current rate */}

Current 15-year
fixed
mortgage rate.

Take a look at today’s 15-year fixed mortgage rate.


View your rate


Checking won’t affect your credit score.†

5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.682","offer_30_year_fixed_fha_cost_of_discount_points":"6088.84","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.292","offer_20_year_fixed_fha_discount_points":"1.327","offer_20_year_fixed_fha_cost_of_discount_points":"4803.74","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2889.00","offer_15_year_fixed_fha_rate":"4.875","offer_15_year_fixed_fha_apr":"5.688","offer_15_year_fixed_fha_discount_points":"1.717","offer_15_year_fixed_fha_cost_of_discount_points":"6215.54","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3884.00","offer_10_year_fixed_fha_rate":"4.875","offer_10_year_fixed_fha_apr":"5.985","offer_10_year_fixed_fha_discount_points":"1.717","offer_10_year_fixed_fha_cost_of_discount_points":"6215.54","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.565","offer_30_year_fixed_va_cost_of_discount_points":"5665.30","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.694","offer_20_year_fixed_va_discount_points":"1.897","offer_20_year_fixed_va_cost_of_discount_points":"6867.14","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2851.00","offer_15_year_fixed_va_rate":"4.750","offer_15_year_fixed_va_apr":"5.260","offer_15_year_fixed_va_discount_points":"1.607","offer_15_year_fixed_va_cost_of_discount_points":"5817.34","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3843.00","offer_10_year_fixed_va_rate":"4.750","offer_10_year_fixed_va_apr":"5.480","offer_10_year_fixed_va_discount_points":"1.607","offer_10_year_fixed_va_cost_of_discount_points":"5817.34","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.207","offer_30_years_discount_points":"1.386","offer_30_years_cost_of_discount_points":"5017.32","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.241","offer_25_years_discount_points":"1.442","offer_25_years_cost_of_discount_points":"5220.04","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.068","offer_20_years_discount_points":"1.641","offer_20_years_cost_of_discount_points":"5940.42","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.482","offer_15_years_discount_points":"1.404","offer_15_years_cost_of_discount_points":"5082.48","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.636","offer_10_years_discount_points":"1.412","offer_10_years_cost_of_discount_points":"5111.44","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2291.67","offer_26_years_rate":"5.990","offer_26_years_apr":"6.228","offer_26_years_discount_points":"1.386","offer_26_years_cost_of_discount_points":"5017.32","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2256.57","offer_27_years_rate":"5.990","offer_27_years_apr":"6.222","offer_27_years_discount_points":"1.386","offer_27_years_cost_of_discount_points":"5017.32","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2224.47","offer_28_years_rate":"5.990","offer_28_years_apr":"6.217","offer_28_years_discount_points":"1.386","offer_28_years_cost_of_discount_points":"5017.32","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2195.05","offer_29_years_rate":"5.990","offer_29_years_apr":"6.212","offer_29_years_discount_points":"1.386","offer_29_years_cost_of_discount_points":"5017.32","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2055.00","offer_5/6_arm_rate":"5.500","offer_5/6_arm_apr":"6.430","offer_5/6_arm_discount_points":"1.429","offer_5/6_arm_cost_of_discount_points":"5172.98","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.304","offer_7/6_arm_discount_points":"1.565","offer_7/6_arm_cost_of_discount_points":"5665.30","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.223","offer_10/6_arm_discount_points":"1.636","offer_10/6_arm_cost_of_discount_points":"5922.32","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-18"}.offer_10_years_rate}%`}, LTV 80% is $3862.00 for full Principal and Interest Payments with $5111.44 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.682","offer_30_year_fixed_fha_cost_of_discount_points":"6088.84","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.292","offer_20_year_fixed_fha_discount_points":"1.327","offer_20_year_fixed_fha_cost_of_discount_points":"4803.74","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2889.00","offer_15_year_fixed_fha_rate":"4.875","offer_15_year_fixed_fha_apr":"5.688","offer_15_year_fixed_fha_discount_points":"1.717","offer_15_year_fixed_fha_cost_of_discount_points":"6215.54","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3884.00","offer_10_year_fixed_fha_rate":"4.875","offer_10_year_fixed_fha_apr":"5.985","offer_10_year_fixed_fha_discount_points":"1.717","offer_10_year_fixed_fha_cost_of_discount_points":"6215.54","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.565","offer_30_year_fixed_va_cost_of_discount_points":"5665.30","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.694","offer_20_year_fixed_va_discount_points":"1.897","offer_20_year_fixed_va_cost_of_discount_points":"6867.14","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2851.00","offer_15_year_fixed_va_rate":"4.750","offer_15_year_fixed_va_apr":"5.260","offer_15_year_fixed_va_discount_points":"1.607","offer_15_year_fixed_va_cost_of_discount_points":"5817.34","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3843.00","offer_10_year_fixed_va_rate":"4.750","offer_10_year_fixed_va_apr":"5.480","offer_10_year_fixed_va_discount_points":"1.607","offer_10_year_fixed_va_cost_of_discount_points":"5817.34","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.207","offer_30_years_discount_points":"1.386","offer_30_years_cost_of_discount_points":"5017.32","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.241","offer_25_years_discount_points":"1.442","offer_25_years_cost_of_discount_points":"5220.04","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.068","offer_20_years_discount_points":"1.641","offer_20_years_cost_of_discount_points":"5940.42","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.482","offer_15_years_discount_points":"1.404","offer_15_years_cost_of_discount_points":"5082.48","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.636","offer_10_years_discount_points":"1.412","offer_10_years_cost_of_discount_points":"5111.44","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2291.67","offer_26_years_rate":"5.990","offer_26_years_apr":"6.228","offer_26_years_discount_points":"1.386","offer_26_years_cost_of_discount_points":"5017.32","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2256.57","offer_27_years_rate":"5.990","offer_27_years_apr":"6.222","offer_27_years_discount_points":"1.386","offer_27_years_cost_of_discount_points":"5017.32","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2224.47","offer_28_years_rate":"5.990","offer_28_years_apr":"6.217","offer_28_years_discount_points":"1.386","offer_28_years_cost_of_discount_points":"5017.32","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2195.05","offer_29_years_rate":"5.990","offer_29_years_apr":"6.212","offer_29_years_discount_points":"1.386","offer_29_years_cost_of_discount_points":"5017.32","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2055.00","offer_5/6_arm_rate":"5.500","offer_5/6_arm_apr":"6.430","offer_5/6_arm_discount_points":"1.429","offer_5/6_arm_cost_of_discount_points":"5172.98","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.304","offer_7/6_arm_discount_points":"1.565","offer_7/6_arm_cost_of_discount_points":"5665.30","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.223","offer_10/6_arm_discount_points":"1.636","offer_10/6_arm_cost_of_discount_points":"5922.32","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-18"}.offer_10_years_apr}%`}%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

6 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.682","offer_30_year_fixed_fha_cost_of_discount_points":"6088.84","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.292","offer_20_year_fixed_fha_discount_points":"1.327","offer_20_year_fixed_fha_cost_of_discount_points":"4803.74","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2889.00","offer_15_year_fixed_fha_rate":"4.875","offer_15_year_fixed_fha_apr":"5.688","offer_15_year_fixed_fha_discount_points":"1.717","offer_15_year_fixed_fha_cost_of_discount_points":"6215.54","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3884.00","offer_10_year_fixed_fha_rate":"4.875","offer_10_year_fixed_fha_apr":"5.985","offer_10_year_fixed_fha_discount_points":"1.717","offer_10_year_fixed_fha_cost_of_discount_points":"6215.54","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.565","offer_30_year_fixed_va_cost_of_discount_points":"5665.30","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.694","offer_20_year_fixed_va_discount_points":"1.897","offer_20_year_fixed_va_cost_of_discount_points":"6867.14","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2851.00","offer_15_year_fixed_va_rate":"4.750","offer_15_year_fixed_va_apr":"5.260","offer_15_year_fixed_va_discount_points":"1.607","offer_15_year_fixed_va_cost_of_discount_points":"5817.34","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3843.00","offer_10_year_fixed_va_rate":"4.750","offer_10_year_fixed_va_apr":"5.480","offer_10_year_fixed_va_discount_points":"1.607","offer_10_year_fixed_va_cost_of_discount_points":"5817.34","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.207","offer_30_years_discount_points":"1.386","offer_30_years_cost_of_discount_points":"5017.32","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.241","offer_25_years_discount_points":"1.442","offer_25_years_cost_of_discount_points":"5220.04","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.068","offer_20_years_discount_points":"1.641","offer_20_years_cost_of_discount_points":"5940.42","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.482","offer_15_years_discount_points":"1.404","offer_15_years_cost_of_discount_points":"5082.48","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.636","offer_10_years_discount_points":"1.412","offer_10_years_cost_of_discount_points":"5111.44","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2291.67","offer_26_years_rate":"5.990","offer_26_years_apr":"6.228","offer_26_years_discount_points":"1.386","offer_26_years_cost_of_discount_points":"5017.32","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2256.57","offer_27_years_rate":"5.990","offer_27_years_apr":"6.222","offer_27_years_discount_points":"1.386","offer_27_years_cost_of_discount_points":"5017.32","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2224.47","offer_28_years_rate":"5.990","offer_28_years_apr":"6.217","offer_28_years_discount_points":"1.386","offer_28_years_cost_of_discount_points":"5017.32","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2195.05","offer_29_years_rate":"5.990","offer_29_years_apr":"6.212","offer_29_years_discount_points":"1.386","offer_29_years_cost_of_discount_points":"5017.32","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2055.00","offer_5/6_arm_rate":"5.500","offer_5/6_arm_apr":"6.430","offer_5/6_arm_discount_points":"1.429","offer_5/6_arm_cost_of_discount_points":"5172.98","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.304","offer_7/6_arm_discount_points":"1.565","offer_7/6_arm_cost_of_discount_points":"5665.30","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.223","offer_10/6_arm_discount_points":"1.636","offer_10/6_arm_cost_of_discount_points":"5922.32","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-18"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $5082.48 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.682","offer_30_year_fixed_fha_cost_of_discount_points":"6088.84","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.292","offer_20_year_fixed_fha_discount_points":"1.327","offer_20_year_fixed_fha_cost_of_discount_points":"4803.74","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2889.00","offer_15_year_fixed_fha_rate":"4.875","offer_15_year_fixed_fha_apr":"5.688","offer_15_year_fixed_fha_discount_points":"1.717","offer_15_year_fixed_fha_cost_of_discount_points":"6215.54","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3884.00","offer_10_year_fixed_fha_rate":"4.875","offer_10_year_fixed_fha_apr":"5.985","offer_10_year_fixed_fha_discount_points":"1.717","offer_10_year_fixed_fha_cost_of_discount_points":"6215.54","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.565","offer_30_year_fixed_va_cost_of_discount_points":"5665.30","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.694","offer_20_year_fixed_va_discount_points":"1.897","offer_20_year_fixed_va_cost_of_discount_points":"6867.14","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2851.00","offer_15_year_fixed_va_rate":"4.750","offer_15_year_fixed_va_apr":"5.260","offer_15_year_fixed_va_discount_points":"1.607","offer_15_year_fixed_va_cost_of_discount_points":"5817.34","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3843.00","offer_10_year_fixed_va_rate":"4.750","offer_10_year_fixed_va_apr":"5.480","offer_10_year_fixed_va_discount_points":"1.607","offer_10_year_fixed_va_cost_of_discount_points":"5817.34","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.207","offer_30_years_discount_points":"1.386","offer_30_years_cost_of_discount_points":"5017.32","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.241","offer_25_years_discount_points":"1.442","offer_25_years_cost_of_discount_points":"5220.04","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.068","offer_20_years_discount_points":"1.641","offer_20_years_cost_of_discount_points":"5940.42","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.482","offer_15_years_discount_points":"1.404","offer_15_years_cost_of_discount_points":"5082.48","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.636","offer_10_years_discount_points":"1.412","offer_10_years_cost_of_discount_points":"5111.44","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2291.67","offer_26_years_rate":"5.990","offer_26_years_apr":"6.228","offer_26_years_discount_points":"1.386","offer_26_years_cost_of_discount_points":"5017.32","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2256.57","offer_27_years_rate":"5.990","offer_27_years_apr":"6.222","offer_27_years_discount_points":"1.386","offer_27_years_cost_of_discount_points":"5017.32","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2224.47","offer_28_years_rate":"5.990","offer_28_years_apr":"6.217","offer_28_years_discount_points":"1.386","offer_28_years_cost_of_discount_points":"5017.32","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2195.05","offer_29_years_rate":"5.990","offer_29_years_apr":"6.212","offer_29_years_discount_points":"1.386","offer_29_years_cost_of_discount_points":"5017.32","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2055.00","offer_5/6_arm_rate":"5.500","offer_5/6_arm_apr":"6.430","offer_5/6_arm_discount_points":"1.429","offer_5/6_arm_cost_of_discount_points":"5172.98","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.304","offer_7/6_arm_discount_points":"1.565","offer_7/6_arm_cost_of_discount_points":"5665.30","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.223","offer_10/6_arm_discount_points":"1.636","offer_10/6_arm_cost_of_discount_points":"5922.32","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-18"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

7 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.682","offer_30_year_fixed_fha_cost_of_discount_points":"6088.84","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.292","offer_20_year_fixed_fha_discount_points":"1.327","offer_20_year_fixed_fha_cost_of_discount_points":"4803.74","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2889.00","offer_15_year_fixed_fha_rate":"4.875","offer_15_year_fixed_fha_apr":"5.688","offer_15_year_fixed_fha_discount_points":"1.717","offer_15_year_fixed_fha_cost_of_discount_points":"6215.54","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3884.00","offer_10_year_fixed_fha_rate":"4.875","offer_10_year_fixed_fha_apr":"5.985","offer_10_year_fixed_fha_discount_points":"1.717","offer_10_year_fixed_fha_cost_of_discount_points":"6215.54","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.565","offer_30_year_fixed_va_cost_of_discount_points":"5665.30","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.694","offer_20_year_fixed_va_discount_points":"1.897","offer_20_year_fixed_va_cost_of_discount_points":"6867.14","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2851.00","offer_15_year_fixed_va_rate":"4.750","offer_15_year_fixed_va_apr":"5.260","offer_15_year_fixed_va_discount_points":"1.607","offer_15_year_fixed_va_cost_of_discount_points":"5817.34","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3843.00","offer_10_year_fixed_va_rate":"4.750","offer_10_year_fixed_va_apr":"5.480","offer_10_year_fixed_va_discount_points":"1.607","offer_10_year_fixed_va_cost_of_discount_points":"5817.34","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.207","offer_30_years_discount_points":"1.386","offer_30_years_cost_of_discount_points":"5017.32","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.241","offer_25_years_discount_points":"1.442","offer_25_years_cost_of_discount_points":"5220.04","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.068","offer_20_years_discount_points":"1.641","offer_20_years_cost_of_discount_points":"5940.42","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.482","offer_15_years_discount_points":"1.404","offer_15_years_cost_of_discount_points":"5082.48","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.636","offer_10_years_discount_points":"1.412","offer_10_years_cost_of_discount_points":"5111.44","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2291.67","offer_26_years_rate":"5.990","offer_26_years_apr":"6.228","offer_26_years_discount_points":"1.386","offer_26_years_cost_of_discount_points":"5017.32","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2256.57","offer_27_years_rate":"5.990","offer_27_years_apr":"6.222","offer_27_years_discount_points":"1.386","offer_27_years_cost_of_discount_points":"5017.32","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2224.47","offer_28_years_rate":"5.990","offer_28_years_apr":"6.217","offer_28_years_discount_points":"1.386","offer_28_years_cost_of_discount_points":"5017.32","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2195.05","offer_29_years_rate":"5.990","offer_29_years_apr":"6.212","offer_29_years_discount_points":"1.386","offer_29_years_cost_of_discount_points":"5017.32","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2055.00","offer_5/6_arm_rate":"5.500","offer_5/6_arm_apr":"6.430","offer_5/6_arm_discount_points":"1.429","offer_5/6_arm_cost_of_discount_points":"5172.98","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.304","offer_7/6_arm_discount_points":"1.565","offer_7/6_arm_cost_of_discount_points":"5665.30","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.223","offer_10/6_arm_discount_points":"1.636","offer_10/6_arm_cost_of_discount_points":"5922.32","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-18"}.offer_20_years_rate}%`}, LTV 80% is $2542.00 for full Principal and Interest Payments with $5940.42 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.682","offer_30_year_fixed_fha_cost_of_discount_points":"6088.84","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.292","offer_20_year_fixed_fha_discount_points":"1.327","offer_20_year_fixed_fha_cost_of_discount_points":"4803.74","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2889.00","offer_15_year_fixed_fha_rate":"4.875","offer_15_year_fixed_fha_apr":"5.688","offer_15_year_fixed_fha_discount_points":"1.717","offer_15_year_fixed_fha_cost_of_discount_points":"6215.54","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3884.00","offer_10_year_fixed_fha_rate":"4.875","offer_10_year_fixed_fha_apr":"5.985","offer_10_year_fixed_fha_discount_points":"1.717","offer_10_year_fixed_fha_cost_of_discount_points":"6215.54","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.565","offer_30_year_fixed_va_cost_of_discount_points":"5665.30","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.694","offer_20_year_fixed_va_discount_points":"1.897","offer_20_year_fixed_va_cost_of_discount_points":"6867.14","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2851.00","offer_15_year_fixed_va_rate":"4.750","offer_15_year_fixed_va_apr":"5.260","offer_15_year_fixed_va_discount_points":"1.607","offer_15_year_fixed_va_cost_of_discount_points":"5817.34","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3843.00","offer_10_year_fixed_va_rate":"4.750","offer_10_year_fixed_va_apr":"5.480","offer_10_year_fixed_va_discount_points":"1.607","offer_10_year_fixed_va_cost_of_discount_points":"5817.34","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.207","offer_30_years_discount_points":"1.386","offer_30_years_cost_of_discount_points":"5017.32","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.241","offer_25_years_discount_points":"1.442","offer_25_years_cost_of_discount_points":"5220.04","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.068","offer_20_years_discount_points":"1.641","offer_20_years_cost_of_discount_points":"5940.42","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.482","offer_15_years_discount_points":"1.404","offer_15_years_cost_of_discount_points":"5082.48","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.636","offer_10_years_discount_points":"1.412","offer_10_years_cost_of_discount_points":"5111.44","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2291.67","offer_26_years_rate":"5.990","offer_26_years_apr":"6.228","offer_26_years_discount_points":"1.386","offer_26_years_cost_of_discount_points":"5017.32","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2256.57","offer_27_years_rate":"5.990","offer_27_years_apr":"6.222","offer_27_years_discount_points":"1.386","offer_27_years_cost_of_discount_points":"5017.32","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2224.47","offer_28_years_rate":"5.990","offer_28_years_apr":"6.217","offer_28_years_discount_points":"1.386","offer_28_years_cost_of_discount_points":"5017.32","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2195.05","offer_29_years_rate":"5.990","offer_29_years_apr":"6.212","offer_29_years_discount_points":"1.386","offer_29_years_cost_of_discount_points":"5017.32","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2055.00","offer_5/6_arm_rate":"5.500","offer_5/6_arm_apr":"6.430","offer_5/6_arm_discount_points":"1.429","offer_5/6_arm_cost_of_discount_points":"5172.98","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.304","offer_7/6_arm_discount_points":"1.565","offer_7/6_arm_cost_of_discount_points":"5665.30","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.223","offer_10/6_arm_discount_points":"1.636","offer_10/6_arm_cost_of_discount_points":"5922.32","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-18"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

8 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.682","offer_30_year_fixed_fha_cost_of_discount_points":"6088.84","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.292","offer_20_year_fixed_fha_discount_points":"1.327","offer_20_year_fixed_fha_cost_of_discount_points":"4803.74","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2889.00","offer_15_year_fixed_fha_rate":"4.875","offer_15_year_fixed_fha_apr":"5.688","offer_15_year_fixed_fha_discount_points":"1.717","offer_15_year_fixed_fha_cost_of_discount_points":"6215.54","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3884.00","offer_10_year_fixed_fha_rate":"4.875","offer_10_year_fixed_fha_apr":"5.985","offer_10_year_fixed_fha_discount_points":"1.717","offer_10_year_fixed_fha_cost_of_discount_points":"6215.54","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.565","offer_30_year_fixed_va_cost_of_discount_points":"5665.30","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.694","offer_20_year_fixed_va_discount_points":"1.897","offer_20_year_fixed_va_cost_of_discount_points":"6867.14","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2851.00","offer_15_year_fixed_va_rate":"4.750","offer_15_year_fixed_va_apr":"5.260","offer_15_year_fixed_va_discount_points":"1.607","offer_15_year_fixed_va_cost_of_discount_points":"5817.34","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3843.00","offer_10_year_fixed_va_rate":"4.750","offer_10_year_fixed_va_apr":"5.480","offer_10_year_fixed_va_discount_points":"1.607","offer_10_year_fixed_va_cost_of_discount_points":"5817.34","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.207","offer_30_years_discount_points":"1.386","offer_30_years_cost_of_discount_points":"5017.32","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.241","offer_25_years_discount_points":"1.442","offer_25_years_cost_of_discount_points":"5220.04","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.068","offer_20_years_discount_points":"1.641","offer_20_years_cost_of_discount_points":"5940.42","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.482","offer_15_years_discount_points":"1.404","offer_15_years_cost_of_discount_points":"5082.48","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.636","offer_10_years_discount_points":"1.412","offer_10_years_cost_of_discount_points":"5111.44","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2291.67","offer_26_years_rate":"5.990","offer_26_years_apr":"6.228","offer_26_years_discount_points":"1.386","offer_26_years_cost_of_discount_points":"5017.32","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2256.57","offer_27_years_rate":"5.990","offer_27_years_apr":"6.222","offer_27_years_discount_points":"1.386","offer_27_years_cost_of_discount_points":"5017.32","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2224.47","offer_28_years_rate":"5.990","offer_28_years_apr":"6.217","offer_28_years_discount_points":"1.386","offer_28_years_cost_of_discount_points":"5017.32","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2195.05","offer_29_years_rate":"5.990","offer_29_years_apr":"6.212","offer_29_years_discount_points":"1.386","offer_29_years_cost_of_discount_points":"5017.32","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2055.00","offer_5/6_arm_rate":"5.500","offer_5/6_arm_apr":"6.430","offer_5/6_arm_discount_points":"1.429","offer_5/6_arm_cost_of_discount_points":"5172.98","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.304","offer_7/6_arm_discount_points":"1.565","offer_7/6_arm_cost_of_discount_points":"5665.30","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.223","offer_10/6_arm_discount_points":"1.636","offer_10/6_arm_cost_of_discount_points":"5922.32","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-18"}.offer_30_years_rate}%`}, LTV 80% is $2168.00 for full Principal and Interest Payments with $5017.32 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.682","offer_30_year_fixed_fha_cost_of_discount_points":"6088.84","offer_30_year_fixed_fha_total_fee_amount":"5792.20","offer_30_year_fixed_fha_property_value":"452500.00","offer_30_year_fixed_fha_loan_amount":"362000.00","offer_30_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_20_year_fixed_fha_principal_and_interest":"2508.00","offer_20_year_fixed_fha_rate":"5.375","offer_20_year_fixed_fha_apr":"6.292","offer_20_year_fixed_fha_discount_points":"1.327","offer_20_year_fixed_fha_cost_of_discount_points":"4803.74","offer_20_year_fixed_fha_total_fee_amount":"5792.20","offer_20_year_fixed_fha_property_value":"452500.00","offer_20_year_fixed_fha_loan_amount":"362000.00","offer_20_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_15_year_fixed_fha_principal_and_interest":"2889.00","offer_15_year_fixed_fha_rate":"4.875","offer_15_year_fixed_fha_apr":"5.688","offer_15_year_fixed_fha_discount_points":"1.717","offer_15_year_fixed_fha_cost_of_discount_points":"6215.54","offer_15_year_fixed_fha_total_fee_amount":"5792.20","offer_15_year_fixed_fha_property_value":"452500.00","offer_15_year_fixed_fha_loan_amount":"362000.00","offer_15_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_10_year_fixed_fha_principal_and_interest":"3884.00","offer_10_year_fixed_fha_rate":"4.875","offer_10_year_fixed_fha_apr":"5.985","offer_10_year_fixed_fha_discount_points":"1.717","offer_10_year_fixed_fha_cost_of_discount_points":"6215.54","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.548","offer_30_year_fixed_va_discount_points":"1.565","offer_30_year_fixed_va_cost_of_discount_points":"5665.30","offer_30_year_fixed_va_total_fee_amount":"4297.20","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.694","offer_20_year_fixed_va_discount_points":"1.897","offer_20_year_fixed_va_cost_of_discount_points":"6867.14","offer_20_year_fixed_va_total_fee_amount":"4297.20","offer_20_year_fixed_va_property_value":"452500.00","offer_20_year_fixed_va_loan_amount":"362000.00","offer_20_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_15_year_fixed_va_principal_and_interest":"2851.00","offer_15_year_fixed_va_rate":"4.750","offer_15_year_fixed_va_apr":"5.260","offer_15_year_fixed_va_discount_points":"1.607","offer_15_year_fixed_va_cost_of_discount_points":"5817.34","offer_15_year_fixed_va_total_fee_amount":"4297.20","offer_15_year_fixed_va_property_value":"452500.00","offer_15_year_fixed_va_loan_amount":"362000.00","offer_15_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_10_year_fixed_va_principal_and_interest":"3843.00","offer_10_year_fixed_va_rate":"4.750","offer_10_year_fixed_va_apr":"5.480","offer_10_year_fixed_va_discount_points":"1.607","offer_10_year_fixed_va_cost_of_discount_points":"5817.34","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.207","offer_30_years_discount_points":"1.386","offer_30_years_cost_of_discount_points":"5017.32","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.241","offer_25_years_discount_points":"1.442","offer_25_years_cost_of_discount_points":"5220.04","offer_25_years_total_fee_amount":"5792.20","offer_25_years_property_value":"452500.00","offer_25_years_loan_amount":"362000.00","offer_25_years_upfront_mortgage_insurance":"0.00","offer_20_years_principal_and_interest":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.068","offer_20_years_discount_points":"1.641","offer_20_years_cost_of_discount_points":"5940.42","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.482","offer_15_years_discount_points":"1.404","offer_15_years_cost_of_discount_points":"5082.48","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.636","offer_10_years_discount_points":"1.412","offer_10_years_cost_of_discount_points":"5111.44","offer_10_years_total_fee_amount":"5792.20","offer_10_years_property_value":"452500.00","offer_10_years_loan_amount":"362000.00","offer_10_years_upfront_mortgage_insurance":"0.00","offer_26_years_principal_and_interest":"2291.67","offer_26_years_rate":"5.990","offer_26_years_apr":"6.228","offer_26_years_discount_points":"1.386","offer_26_years_cost_of_discount_points":"5017.32","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2256.57","offer_27_years_rate":"5.990","offer_27_years_apr":"6.222","offer_27_years_discount_points":"1.386","offer_27_years_cost_of_discount_points":"5017.32","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2224.47","offer_28_years_rate":"5.990","offer_28_years_apr":"6.217","offer_28_years_discount_points":"1.386","offer_28_years_cost_of_discount_points":"5017.32","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2195.05","offer_29_years_rate":"5.990","offer_29_years_apr":"6.212","offer_29_years_discount_points":"1.386","offer_29_years_cost_of_discount_points":"5017.32","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2055.00","offer_5/6_arm_rate":"5.500","offer_5/6_arm_apr":"6.430","offer_5/6_arm_discount_points":"1.429","offer_5/6_arm_cost_of_discount_points":"5172.98","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.304","offer_7/6_arm_discount_points":"1.565","offer_7/6_arm_cost_of_discount_points":"5665.30","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.223","offer_10/6_arm_discount_points":"1.636","offer_10/6_arm_cost_of_discount_points":"5922.32","offer_10/6_arm_total_fee_amount":"5792.20","offer_10/6_arm_property_value":"452500.00","offer_10/6_arm_loan_amount":"362000.00","offer_10/6_arm_upfront_mortgage_insurance":"0.00","as_of_date":"2025-12-18"}.offer_30_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

All information in the primary residence payment examples listed above — including interest rates, payments, terms, and availability — is for informational purposes only and is subject to change without notice.

{/* compare */}

Compare fixed
mortgage rates.

Beyond a 15-year fixed mortgage option, SoFi also
offers 10-, 20-, and 30-year fixed-rate mortgage loans.
Compare the different fixed-rate mortgage loans
offered by SoFi.

10-Year

This is a short-term loan with higher monthly payments and less total interest. Ideal for those who can afford higher payments.


View rate

20-Year

With stable payments and moderate total interest paid, this loan is great for those who want a shorter term without a high payment.


View rate

30-Year

SoFi’s longest term, featuring low monthly payments but more total interest paid. Great for those who want a lower monthly payment.


View rate

{/* calculator */}

Calculate your 15-year
fixed-rate mortgage payment.

Input a few numbers into our home mortgage
calculator to see what your approximate monthly
payment could look like.


Crunch the numbers

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.

{/* Learn */}

Learn more about
fixed-rate mortgages.

Thinking about a fixed-rate mortgage from SoFi?
Dive into these articles to learn more.







{/* FAQ */}

FAQs



Can you get a fixed-rate mortgage for 15 years?


Yes, you can get a fixed-rate mortgage for 15 years. This type of loan offers a consistent interest rate and payment for the entire 15-year term. It’s an attractive option for those who want to pay off their mortgage sooner and save money on interest.



What are the benefits of choosing a 15-year fixed mortgage?


The main benefits of a 15-year fixed mortgage are a lower interest rate and a faster payoff period. You will save a substantial amount of money on interest over the life of the loan and build equity in your home much more quickly.




How do 15-year fixed mortgage rates compare to 30-year rates?


Fifteen-year fixed mortgage rates are typically lower than 30-year rates. This is because the lender takes on less risk with a shorter loan term. While the monthly payments are higher, the lower interest rate and quicker payoff lead to significant savings on total interest paid.




Is a 15-year fixed mortgage a good option for first-time homebuyers?


A 15-year fixed mortgage may not be the best choice for all first-time homebuyers due to the higher monthly payments. However, it can be a great option for those with stable, high incomes and a solid financial position who are comfortable with the larger payment and want to pay off their home quickly.



How do I qualify for a 15-year fixed mortgage rate?


To qualify for a 15-year fixed mortgage, you generally need a strong credit score, a low debt-to-income ratio, and a stable income that can support the higher monthly payments. Lenders want to ensure you have the financial capacity to comfortably make the larger payments for the shorter loan term.




Can I make extra payments to pay off a 15-year mortgage sooner?


Yes, you can make extra payments to pay off a 15-year mortgage even sooner. Any additional payments you make toward the principal balance will reduce the amount of interest you pay over time and shorten the life of your loan. Some common strategies include making biweekly payments or rounding up your monthly payment.




Can I refinance to a 15-year mortgage?


Yes, you can refinance to a 15-year mortgage. Many homeowners with a 30-year loan choose to refinance to a 15-year term to pay off their home sooner, save money on interest, and build equity more quickly. This option is most suitable if you can comfortably handle the higher monthly payments.


See more FAQs

{/*footer cta*/}

Get your 15-year
fixed mortgage rate
today.

View your rate to see how a SoFi 15-
year fixed mortgage could help you
finance your next home.


View your rate

Checking won’t affect your credit score.†

Read more
Sep
17
2025

Liz Looks at: The Fed’s September Statement

By | | Comments Off on Liz Looks at: The Fed’s September Statement

Cut Loose

While the Federal Reserve’s 25 basis-point rate cut today was not a surprise, there were some surprises in the details behind the move.

The Fed also released an updated Summary of Economic Projections and dot plot, both of which showed notable changes.

The dot plot is an illustration of where each Fed official sees the fed funds rate moving this year and in the years ahead. This is our best view of how much consensus there is around monetary policy and the trajectory of rates in the future. The dot plot showed that most voting members foresee ending the year at a lower rate than they saw in June. One voting member was an outlier, expecting an extra three rate cuts beyond what even the most dovish members of the committee expect.

2025 Dot Plot

As a result, the median expectation for cuts in 2025 moved from two to three, including today. If things were simple and straightforward, we might expect the stock market to like this news… After all, hasn’t it been clamoring for rate cuts most of this year? And hasn’t much of the recent rally been driven by the expectation that rate cuts were coming?

But the day closed with the S&P 500 and Nasdaq down slightly. One could argue that this Fed decision was already priced in, but even if that’s true, signals of a more dovish Fed theoretically should’ve pushed markets higher.

I believe markets ended the day confused by the contradiction between economic projections and rate expectations. Additionally, the debate over whether there’s too much political influence on the committee’s actions created more noise.

Relationship Problems

I often reference relationship problems when talking about markets because I believe it’s important to note when a relationship between two variables isn’t working as it usually does. In the case of today’s Fed meeting, there are relationship problems between the SEP and the committee’s rate projections.

To summarize the chart below, economic projections didn’t change for 2025 but reflect a more optimistic stance for 2026: GDP growth expectations moved up, unemployment expectations moved down, and inflation moved up a bit (perhaps due to stronger growth.) This too should be positive news.

Fed Summary of Economic Projections

The problem is, the Fed’s rate projection moved down in both 2025 and 2026, meaning the committee sees more rate cuts coming than it did in June.

Why cut more if the economy is expected to strengthen and inflation is expected to rise? Something isn’t adding up. Not to mention, if the makeup of the FOMC changes next year to include more members who are expected to cut rates dramatically, the risk may be in cutting too much, which could stoke inflation.

Chase or Fade?

After today’s news, I believe the risks to markets will increase in 2026. But if we focus on the present, the big question to finish the day is: Will investors continue chasing the rally higher, or will the recent rally fade on the heels of this meeting?

For now, I think the market can continue moving higher, particularly the spots that are rate sensitive (Financials, Real Estate, small-caps) and that haven’t participated in the concentrated large-cap rally (Health Care, Materials). That said, it’s a prudent move to hold some assets that can dampen volatility (if it should arrive.) Despite its remarkable performance over the past couple years, gold still looks attractive from a demand and diversification perspective.

 
 
 
text

Want more insights from Liz? The Important Part: Investing With Liz Thomas, a podcast from SoFi, takes listeners through today’s top-of-mind themes in investing and breaks them down into digestible and actionable pieces.

Listen & Subscribe

SoFi can’t guarantee future financial performance, and past performance is no indication of future success. This information isn’t financial advice. Investment decisions should be based on specific financial needs, goals and risk appetite.

Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. Liz Thomas is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Form ADV 2A is available at www.sofi.com/legal/adv.

OTM2025091701

Read more
SoFi Daily

Stay up to date on the latest business news and stock market happenings.

Learn more

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

INVESTMENTS: NOT FDIC INSURED • HAVE NO GUARANTEE • MAY LOSE VALUE. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. The SoFi Wealth platform is operated and maintained by SoFi Wealth LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of SoFi Wealth LLC by SoFi Securities LLC, an affiliated broker-dealer registered with the Securities and Exchange Commission and a member of FINRA /SIPC . Clearing and custody of all securities are provided by APEX Clearing Corporation. For more information, please see SoFi Wealth LLC’s Form ADV Part 2 by clicking here for SoFi's Wealth Form ADV Part 2 A&B or by visiting www.adviserinfo.sec.gov .
©2025 Social Finance, LLC All rights reserved.
TLS 1.2 Encrypted
Equal Housing Lender