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Week Ahead on Wall Street: The Fed Meets

The stage is set for the main event of the month — the Federal Reserve’s monetary policy meeting.

The market has already fully priced in a 25-basis-point (0.25%) cut to the Fed’s benchmark interest rate. However, a small but notable segment of the market is holding out for a more aggressive 50 basis points, which could spark significant volatility if it were to materialize.

For most investors, however, the federal funds rate itself won’t be the whole story. The Fed will also release its quarterly Summary of Economic Projections (SEP), providing updated expectations for economic growth, unemployment, and inflation. Any significant revisions to these projections will give investors a clear sense of how the central bank’s economic outlook has changed.

The SEP also includes the anonymous “dot plot,” which maps out where each Fed official expects the fed funds rate to be at the end of this year and over the next few years. The market will be laser-focused on the median dot for the end of 2025. This will signal whether the Fed plans to lower rates slowly or resume a deeper easing cycle.

Economic and Earnings Calendar

Monday

•  September Empire State Manufacturing Activity: The New York Fed’s survey of manufacturing executives in the region on business conditions and their outlook.

Tuesday

•  August Retail Sales: This measures spending at retail stores and is a key indicator of consumer demand.

•  September New York Services Activity: The New York Fed’s survey of manufacturing executives in the region on business conditions and their outlook.

•  August Import/Export Price Indexes: These indexes track the changes in the prices of nonmilitary goods and services traded between the U.S. and the rest of the world.

•  August Industrial Production and Capacity Utilization: The industrial sector accounts for much of the cyclical swings in economic activity.

•  September NAHB Housing Market Index: This index tracks how homebuilders feel about the current and future state of the single-family housing market.

Wednesday

•  August Building Permits and Housing Starts: Construction data is a leading indicator of economic activity.

•  FOMC Interest Rate Decision: The Federal Reserve will announce any changes to monetary policy after the conclusion of its two-day FOMC meeting, in addition to providing commentary on the economy. It’s one of eight regularly scheduled meetings per year.

•  Weekly Mortgage Applications: Mortgage activity gives insight on demand conditions in the housing market.

•  Earnings: General Mills (GIS)

Thursday

•  September Philadelphia Fed Manufacturing Activity: The Philadelphia Fed’s survey of manufacturing executives in the region on business conditions and their outlook.

•  August Leading Economic Index: This is an index composed of various economic indicators that have historically led changes in the broader economy.

•  Weekly Jobless Claims: This high frequency labor market data gives insight into filings for unemployment benefits. Initial jobless claims have remained mostly steady, while continuing claims have increased of late.

•  Earnings: Darden Restaurants (DRI), FactSet Research Systems (FDS), FedEx (FDX), Lennar (LEN)

Friday

•  Nothing of note is scheduled.

 
 
 
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Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

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5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 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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":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","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":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","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":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","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":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","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":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","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":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","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":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","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":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","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":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","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":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","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":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","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":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","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":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","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":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","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":"2025-12-17"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $5676.16 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","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":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","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":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","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":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","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":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","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":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","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":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","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":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","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":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","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":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","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":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","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":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","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":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","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":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","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":"2025-12-17"}.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":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","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":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","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":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","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":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","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":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","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":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","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":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","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":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","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":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","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":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","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":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","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":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","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":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","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":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","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":"2025-12-17"}.offer_20_years_rate}%`}, LTV 80% is $2567.00 for full Principal and Interest Payments with $4792.88 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","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":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","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":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","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":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","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":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","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":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","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":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","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":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","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":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","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":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","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":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","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":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","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":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","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":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","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":"2025-12-17"}.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 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st_of_discount_points":"5676.16","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":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","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":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","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":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","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":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","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":"2025-12-17"}.offer_30_years_rate}%`}, LTV 80% is $2170.00 for full Principal and Interest Payments with $5364.84 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.092","offer_30_year_fixed_fha_discount_points":"1.320","offer_30_year_fixed_fha_cost_of_discount_points":"4778.40","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":"6.315","offer_20_year_fixed_fha_discount_points":"1.505","offer_20_year_fixed_fha_cost_of_discount_points":"5448.10","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":"2913.00","offer_15_year_fixed_fha_rate":"5.000","offer_15_year_fixed_fha_apr":"5.772","offer_15_year_fixed_fha_discount_points":"1.446","offer_15_year_fixed_fha_cost_of_discount_points":"5234.52","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":"3907.00","offer_10_year_fixed_fha_rate":"5.000","offer_10_year_fixed_fha_apr":"6.050","offer_10_year_fixed_fha_discount_points":"1.446","offer_10_year_fixed_fha_cost_of_discount_points":"5234.52","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":"1.568","offer_30_year_fixed_va_cost_of_discount_points":"5676.16","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":"5.666","offer_20_year_fixed_va_discount_points":"1.672","offer_20_year_fixed_va_cost_of_discount_points":"6052.64","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":"2875.00","offer_15_year_fixed_va_rate":"4.875","offer_15_year_fixed_va_apr":"5.377","offer_15_year_fixed_va_discount_points":"1.544","offer_15_year_fixed_va_cost_of_discount_points":"5589.28","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":"3865.00","offer_10_year_fixed_va_rate":"4.875","offer_10_year_fixed_va_apr":"5.592","offer_10_year_fixed_va_discount_points":"1.544","offer_10_year_fixed_va_cost_of_discount_points":"5589.28","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.226","offer_30_years_discount_points":"1.482","offer_30_years_cost_of_discount_points":"5364.84","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":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.262","offer_25_years_discount_points":"1.538","offer_25_years_cost_of_discount_points":"5567.56","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.154","offer_20_years_discount_points":"1.324","offer_20_years_cost_of_discount_points":"4792.88","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":"5.507","offer_15_years_discount_points":"1.568","offer_15_years_cost_of_discount_points":"5676.16","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":"5.670","offer_10_years_discount_points":"1.566","offer_10_years_cost_of_discount_points":"5668.92","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.249","offer_26_years_discount_points":"1.482","offer_26_years_cost_of_discount_points":"5364.84","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.242","offer_27_years_discount_points":"1.482","offer_27_years_cost_of_discount_points":"5364.84","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.237","offer_28_years_discount_points":"1.482","offer_28_years_cost_of_discount_points":"5364.84","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.231","offer_29_years_discount_points":"1.482","offer_29_years_cost_of_discount_points":"5364.84","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":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.488","offer_5/6_arm_discount_points":"1.462","offer_5/6_arm_cost_of_discount_points":"5292.44","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":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.422","offer_7/6_arm_discount_points":"1.411","offer_7/6_arm_cost_of_discount_points":"5107.82","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":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.305","offer_10/6_arm_discount_points":"1.605","offer_10/6_arm_cost_of_discount_points":"5810.10","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":"2025-12-17"}.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.

{/*how to qualify*/}

How to qualify for the best fixed-rate mortgage.



  • Improve your credit score:
    A higher credit score could
    lead to a lower
    interest rate as it indicates to lenders that
    you’re more likely to make mortgage payments.



  • Opt for a short-term loan:
    Short-term loans, such as a 15-year mortgage,
    are less risky and result in less interest paid
    overall, although monthly payments may be higher.



  • Buy down your interest rate:
    Paying a one-time fee at closing,
    known as a
    buydown, can secure a lower interest rate,
    with each
    mortgage point typically
    costing 1% of the mortgage amount.

{/* learn more*/}

Learn more about fixed-rate mortgages.

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








{/* FAQs */}

FAQs



What is a fixed mortgage rate?


A fixed mortgage rate is an interest rate that stays the same for the entire duration of the loan. This provides a stable and predictable monthly payment for the life of the mortgage. It is a popular choice for borrowers who want financial predictability and a consistent budget.



How long is the rate locked for?


A fixed mortgage rate is locked for the entire term of the loan, whether it’s 10, 15, 20, or 30 years. This means your interest rate will not change, and your principal and interest payment will remain the same throughout the life of the mortgage.



What is the difference between an adjustable-rate and a fixed-rate mortgage?


The primary difference lies in the interest rate. An adjustable-rate mortgage (ARM) has an interest rate that can change after an initial fixed period, causing monthly payments to fluctuate. A fixed-rate mortgage, on the other hand, has a constant interest rate and a predictable monthly payment for the entire loan term.



How do today’s fixed mortgage rates compare historically?


Today’s fixed mortgage rates fluctuate based on various economic factors. Historically, rates have seen significant highs and lows, so it’s important to compare current rates to a long-term average to understand their context. Today’s rates are influenced by the Federal Reserve’s policies, inflation, and the overall economic climate.



What factors affect fixed mortgage rates today?


Many factors influence fixed mortgage rates, including the Federal Reserve’s monetary policy and the bond market. Lenders also consider individual borrower characteristics like credit score, debt-to-income ratio, and down payment amount. The overall economic outlook and inflation also play a significant role in determining mortgage rates.



Can you refinance a fixed mortgage?


Yes, you can refinance a fixed mortgage. Homeowners often choose to refinance to a new fixed mortgage to secure a lower interest rate, shorten the loan term, or tap into their home’s equity. Refinancing requires you to apply for a new loan, which will come with its own closing costs and fees.


See more FAQs

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Get your fixed mortgage rate today.

View your rate on a fixed-rate
mortgage with no impact to your credit
score—and take the first step toward
your homeownership ambitions.


View your rate

Checking won’t affect your credit score.


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Current Cash-Out Refinance Interest Rates Today


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Cash-Out Refinance Rates

Find competitive
cash-out refinance
rates that may
add
cash
to your pocket.

A cash-out refinance involves
taking out a new mortgage to replace your old
one, ideally
with a lower interest rate,
shorter term, or both, while
also
receiving a lump sum of cash.

Check out our current cash-out refinance rates
and view your rate today.


View your rate

Checking won’t affect your credit score.

{/*rates table*/}

Current cash-out refinance rates.

Take a look at the current cash-out
refinance rates to see if a SoFi cash-
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All APRs are updated daily.


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Checking won’t affect your credit score.

510-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.250%, LTV 80% is $3884.00 for full Principal and Interest Payments with $5473.44 due at closing. The Annual Percentage Rate is 5.742%. 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.

615-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.250%, LTV 80% is $2910.00 for full Principal and Interest Payments with $5234.52 due at closing. The Annual Percentage Rate is 5.585%. 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.

720-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.990%, LTV 80% is $2591.00 for full Principal and Interest Payments with $5006.46 due at closing. The Annual Percentage Rate is 6.254%. 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.

830-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.125%, LTV 80% is $2200.00 for full Principal and Interest Payments with $5306.92 due at closing. The Annual Percentage Rate is 6.333%. 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.

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How to qualify for
the
best cash-out
refinance
mortgage
rates.

Is a SoFi cash-out refinance right
for you? Here’s a look at some of
the
typical criteria to qualify for a
cash-out refinance:



  • Credit score

    SoFi requires a minimum score of 620
    for a cash-out refinance.



  • Debt-to-income ratio

    For a cash-out refinance, SoFi requires
    a DTI no higher than 43%.



  • Sufficient equity

    You typically need to be able to
    maintain at least 20% equity after
    the cash-out refinance.



  • Length of ownership

    You typically need to have owned your
    home for at least six months to get a
    cash-out refinance.

Do you qualify? See your cash-out
mortgage refinance rate today.


View your rate

Checking won’t affect your credit score.

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Learn more about cash-out refinancing.

Thinking about a SoFi cash-out refinance? Dive into these articles to learn more.








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FAQs



How will my monthly mortgage payment be affected by cash-out refinancing?


Cash-out refinancing replaces your existing mortgage with a new, larger loan. Your monthly payment will increase because you are borrowing a higher principal amount, even if you secure a lower interest rate. You’ll also be paying off the new loan over its entire term, which may be longer or shorter than your original mortgage.



Does a cash-out refinance change your interest rate?


Yes, a cash-out refinance involves getting a completely new loan, which means you’ll have a new interest rate. This new rate could be higher or lower than your old one, depending on the current market conditions and your financial profile.



Are cash-out refinance rates higher?


Cash-out refinance rates are typically higher than rates for a standard refinance, but they are usually still lower than rates for a personal loan or credit card. This is because a cash-out refinance is considered a slightly riskier loan by lenders.



How different are cash-out refinance and standard refinance rates?


Cash-out refinance rates are generally slightly higher than rates for a standard or “rate-and-term” refinance. Lenders view a cash-out refinance as a higher risk because you are increasing your loan balance.



What factors affect cash-out refinance rates today?


Several factors influence cash-out refinance rates, including your credit score, debt-to-income ratio, and the amount of equity you have in your home. Current market conditions and the lender you choose also play a significant role.



Are home equity loan or cash-out refinance rates better?


Home equity loan rates are typically fixed, while cash-out refinance rates can be fixed or adjustable. The best option depends on your financial situation and goals, as each has different interest rates, repayment terms, and closing costs.


See more FAQs

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Get your cash-out mortgage refinance rate today.

View your SoFi cash-out refinance rate to secure the funds you need.


View your rate

Checking won’t affect your credit score.

Read more

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Partner offer shared by Experian®

Earn unlimited 2% cash back rewards1

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Experian Unlimited 2% | SoFi


Partner offer shared by Experian®

Earn unlimited 2% cash back rewards1


Partner offer shared by Experian®

Earn unlimited 2% cash back rewards1





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