Current Fixed Mortgage Interest Rates Today TEST
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FIXED MORTGAGE RATES
Buy a home on your terms
with a fixed-rate mortgage.
A fixed-rate mortgage features consistent, predictable monthly payments that never
change over the life of the loan.
Check out our current fixed mortgage rates and view your rate today.
View your rate
Checking won’t affect your credit score.
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Today’s fixed mortgage rates.
See if one of today’s fixed mortgage rates could suit your needs.
All APRs are updated daily.
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 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st_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 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st_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.
{/*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.
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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.
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