{/* current rate */}

⁵ 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.551","offer_30_year_fixed_va_discount_points":"1.601","offer_30_year_fixed_va_cost_of_discount_points":"5795.62","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":"2495.00","offer_20_year_fixed_va_rate":"5.375","offer_20_year_fixed_va_apr":"5.727","offer_20_year_fixed_va_discount_points":"1.145","offer_20_year_fixed_va_cost_of_discount_points":"4144.90","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":"5.354","offer_15_year_fixed_va_discount_points":"1.400","offer_15_year_fixed_va_cost_of_discount_points":"5068.00","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":"5.560","offer_10_year_fixed_va_discount_points":"1.400","offer_10_year_fixed_va_cost_of_discount_points":"5068.00","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"6.002","offer_30_year_fixed_fha_discount_points":"1.718","offer_30_year_fixed_fha_cost_of_discount_points":"6219.16","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":"6.324","offer_20_year_fixed_fha_discount_points":"1.572","offer_20_year_fixed_fha_cost_of_discount_points":"5690.64","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":"5.742","offer_15_year_fixed_fha_discount_points":"1.257","offer_15_year_fixed_fha_cost_of_discount_points":"4550.34","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":"6.007","offer_10_year_fixed_fha_discount_points":"1.257","offer_10_year_fixed_fha_cost_of_discount_points":"4550.34","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_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.216","offer_30_years_discount_points":"1.481","offer_30_years_cost_of_discount_points":"5361.22","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":"6.256","offer_25_years_discount_points":"1.491","offer_25_years_cost_of_discount_points":"5397.42","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":"6.077","offer_20_years_discount_points":"1.712","offer_20_years_cost_of_discount_points":"6197.44","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":"5.502","offer_15_years_discount_points":"1.535","offer_15_years_cost_of_discount_points":"5556.70","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":"5.663","offer_10_years_discount_points":"1.533","offer_10_years_cost_of_discount_points":"5549.46","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":"6.238","offer_26_years_discount_points":"1.481","offer_26_years_cost_of_discount_points":"5361.22","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":"6.232","offer_27_years_discount_points":"1.481","offer_27_years_cost_of_discount_points":"5361.22","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":"6.226","offer_28_years_discount_points":"1.481","offer_28_years_cost_of_discount_points":"5361.22","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":"6.221","offer_29_years_discount_points":"1.481","offer_29_years_cost_of_discount_points":"5361.22","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":"1.500","offer_5/6_arm_cost_of_discount_points":"5430.00","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":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.346","offer_7/6_arm_discount_points":"1.385","offer_7/6_arm_cost_of_discount_points":"5013.70","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":"6.281","offer_10/6_arm_discount_points":"1.421","offer_10/6_arm_cost_of_discount_points":"5144.02","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":"2025-12-19"}.offer_10_years_rate}%`}, LTV 80% is $3862.00 for full Principal and Interest Payments with $5549.46 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.551","offer_30_year_fixed_va_discount_points":"1.601","offer_30_year_fixed_va_cost_of_discount_points":"5795.62","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":"2495.00","offer_20_year_fixed_va_rate":"5.375","offer_20_year_fixed_va_apr":"5.727","offer_20_year_fixed_va_discount_points":"1.145","offer_20_year_fixed_va_cost_of_discount_points":"4144.90","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":"5.354","offer_15_year_fixed_va_discount_points":"1.400","offer_15_year_fixed_va_cost_of_discount_points":"5068.00","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":"5.560","offer_10_year_fixed_va_discount_points":"1.400","offer_10_year_fixed_va_cost_of_discount_points":"5068.00","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"6.002","offer_30_year_fixed_fha_discount_points":"1.718","offer_30_year_fixed_fha_cost_of_discount_points":"6219.16","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":"6.324","offer_20_year_fixed_fha_discount_points":"1.572","offer_20_year_fixed_fha_cost_of_discount_points":"5690.64","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":"5.742","offer_15_year_fixed_fha_discount_points":"1.257","offer_15_year_fixed_fha_cost_of_discount_points":"4550.34","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":"6.007","offer_10_year_fixed_fha_discount_points":"1.257","offer_10_year_fixed_fha_cost_of_discount_points":"4550.34","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_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.216","offer_30_years_discount_points":"1.481","offer_30_years_cost_of_discount_points":"5361.22","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":"6.256","offer_25_years_discount_points":"1.491","offer_25_years_cost_of_discount_points":"5397.42","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":"6.077","offer_20_years_discount_points":"1.712","offer_20_years_cost_of_discount_points":"6197.44","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":"5.502","offer_15_years_discount_points":"1.535","offer_15_years_cost_of_discount_points":"5556.70","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":"5.663","offer_10_years_discount_points":"1.533","offer_10_years_cost_of_discount_points":"5549.46","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":"6.238","offer_26_years_discount_points":"1.481","offer_26_years_cost_of_discount_points":"5361.22","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":"6.232","offer_27_years_discount_points":"1.481","offer_27_years_cost_of_discount_points":"5361.22","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":"6.226","offer_28_years_discount_points":"1.481","offer_28_years_cost_of_discount_points":"5361.22","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":"6.221","offer_29_years_discount_points":"1.481","offer_29_years_cost_of_discount_points":"5361.22","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":"1.500","offer_5/6_arm_cost_of_discount_points":"5430.00","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":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.346","offer_7/6_arm_discount_points":"1.385","offer_7/6_arm_cost_of_discount_points":"5013.70","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":"6.281","offer_10/6_arm_discount_points":"1.421","offer_10/6_arm_cost_of_discount_points":"5144.02","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":"2025-12-19"}.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_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.551","offer_30_year_fixed_va_discount_points":"1.601","offer_30_year_fixed_va_cost_of_discount_points":"5795.62","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":"2495.00","offer_20_year_fixed_va_rate":"5.375","offer_20_year_fixed_va_apr":"5.727","offer_20_year_fixed_va_discount_points":"1.145","offer_20_year_fixed_va_cost_of_discount_points":"4144.90","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":"5.354","offer_15_year_fixed_va_discount_points":"1.400","offer_15_year_fixed_va_cost_of_discount_points":"5068.00","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":"5.560","offer_10_year_fixed_va_discount_points":"1.400","offer_10_year_fixed_va_cost_of_discount_points":"5068.00","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"6.002","offer_30_year_fixed_fha_discount_points":"1.718","offer_30_year_fixed_fha_cost_of_discount_points":"6219.16","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":"6.324","offer_20_year_fixed_fha_discount_points":"1.572","offer_20_year_fixed_fha_cost_of_discount_points":"5690.64","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":"5.742","offer_15_year_fixed_fha_discount_points":"1.257","offer_15_year_fixed_fha_cost_of_discount_points":"4550.34","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":"6.007","offer_10_year_fixed_fha_discount_points":"1.257","offer_10_year_fixed_fha_cost_of_discount_points":"4550.34","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_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.216","offer_30_years_discount_points":"1.481","offer_30_years_cost_of_discount_points":"5361.22","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":"6.256","offer_25_years_discount_points":"1.491","offer_25_years_cost_of_discount_points":"5397.42","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":"6.077","offer_20_years_discount_points":"1.712","offer_20_years_cost_of_discount_points":"6197.44","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":"5.502","offer_15_years_discount_points":"1.535","offer_15_years_cost_of_discount_points":"5556.70","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":"5.663","offer_10_years_discount_points":"1.533","offer_10_years_cost_of_discount_points":"5549.46","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":"6.238","offer_26_years_discount_points":"1.481","offer_26_years_cost_of_discount_points":"5361.22","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":"6.232","offer_27_years_discount_points":"1.481","offer_27_years_cost_of_discount_points":"5361.22","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":"6.226","offer_28_years_discount_points":"1.481","offer_28_years_cost_of_discount_points":"5361.22","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":"6.221","offer_29_years_discount_points":"1.481","offer_29_years_cost_of_discount_points":"5361.22","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":"1.500","offer_5/6_arm_cost_of_discount_points":"5430.00","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":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.346","offer_7/6_arm_discount_points":"1.385","offer_7/6_arm_cost_of_discount_points":"5013.70","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":"6.281","offer_10/6_arm_discount_points":"1.421","offer_10/6_arm_cost_of_discount_points":"5144.02","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":"2025-12-19"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $5556.70 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.551","offer_30_year_fixed_va_discount_points":"1.601","offer_30_year_fixed_va_cost_of_discount_points":"5795.62","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":"2495.00","offer_20_year_fixed_va_rate":"5.375","offer_20_year_fixed_va_apr":"5.727","offer_20_year_fixed_va_discount_points":"1.145","offer_20_year_fixed_va_cost_of_discount_points":"4144.90","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":"5.354","offer_15_year_fixed_va_discount_points":"1.400","offer_15_year_fixed_va_cost_of_discount_points":"5068.00","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":"5.560","offer_10_year_fixed_va_discount_points":"1.400","offer_10_year_fixed_va_cost_of_discount_points":"5068.00","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"6.002","offer_30_year_fixed_fha_discount_points":"1.718","offer_30_year_fixed_fha_cost_of_discount_points":"6219.16","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":"6.324","offer_20_year_fixed_fha_discount_points":"1.572","offer_20_year_fixed_fha_cost_of_discount_points":"5690.64","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":"5.742","offer_15_year_fixed_fha_discount_points":"1.257","offer_15_year_fixed_fha_cost_of_discount_points":"4550.34","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":"6.007","offer_10_year_fixed_fha_discount_points":"1.257","offer_10_year_fixed_fha_cost_of_discount_points":"4550.34","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_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.216","offer_30_years_discount_points":"1.481","offer_30_years_cost_of_discount_points":"5361.22","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":"6.256","offer_25_years_discount_points":"1.491","offer_25_years_cost_of_discount_points":"5397.42","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":"6.077","offer_20_years_discount_points":"1.712","offer_20_years_cost_of_discount_points":"6197.44","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":"5.502","offer_15_years_discount_points":"1.535","offer_15_years_cost_of_discount_points":"5556.70","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":"5.663","offer_10_years_discount_points":"1.533","offer_10_years_cost_of_discount_points":"5549.46","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":"6.238","offer_26_years_discount_points":"1.481","offer_26_years_cost_of_discount_points":"5361.22","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":"6.232","offer_27_years_discount_points":"1.481","offer_27_years_cost_of_discount_points":"5361.22","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":"6.226","offer_28_years_discount_points":"1.481","offer_28_years_cost_of_discount_points":"5361.22","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":"6.221","offer_29_years_discount_points":"1.481","offer_29_years_cost_of_discount_points":"5361.22","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":"1.500","offer_5/6_arm_cost_of_discount_points":"5430.00","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":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.346","offer_7/6_arm_discount_points":"1.385","offer_7/6_arm_cost_of_discount_points":"5013.70","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":"6.281","offer_10/6_arm_discount_points":"1.421","offer_10/6_arm_cost_of_discount_points":"5144.02","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":"2025-12-19"}.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_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.551","offer_30_year_fixed_va_discount_points":"1.601","offer_30_year_fixed_va_cost_of_discount_points":"5795.62","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":"2495.00","offer_20_year_fixed_va_rate":"5.375","offer_20_year_fixed_va_apr":"5.727","offer_20_year_fixed_va_discount_points":"1.145","offer_20_year_fixed_va_cost_of_discount_points":"4144.90","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":"5.354","offer_15_year_fixed_va_discount_points":"1.400","offer_15_year_fixed_va_cost_of_discount_points":"5068.00","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":"5.560","offer_10_year_fixed_va_discount_points":"1.400","offer_10_year_fixed_va_cost_of_discount_points":"5068.00","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"6.002","offer_30_year_fixed_fha_discount_points":"1.718","offer_30_year_fixed_fha_cost_of_discount_points":"6219.16","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":"6.324","offer_20_year_fixed_fha_discount_points":"1.572","offer_20_year_fixed_fha_cost_of_discount_points":"5690.64","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":"5.742","offer_15_year_fixed_fha_discount_points":"1.257","offer_15_year_fixed_fha_cost_of_discount_points":"4550.34","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":"6.007","offer_10_year_fixed_fha_discount_points":"1.257","offer_10_year_fixed_fha_cost_of_discount_points":"4550.34","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_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.216","offer_30_years_discount_points":"1.481","offer_30_years_cost_of_discount_points":"5361.22","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":"6.256","offer_25_years_discount_points":"1.491","offer_25_years_cost_of_discount_points":"5397.42","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":"6.077","offer_20_years_discount_points":"1.712","offer_20_years_cost_of_discount_points":"6197.44","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":"5.502","offer_15_years_discount_points":"1.535","offer_15_years_cost_of_discount_points":"5556.70","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":"5.663","offer_10_years_discount_points":"1.533","offer_10_years_cost_of_discount_points":"5549.46","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":"6.238","offer_26_years_discount_points":"1.481","offer_26_years_cost_of_discount_points":"5361.22","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":"6.232","offer_27_years_discount_points":"1.481","offer_27_years_cost_of_discount_points":"5361.22","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":"6.226","offer_28_years_discount_points":"1.481","offer_28_years_cost_of_discount_points":"5361.22","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":"6.221","offer_29_years_discount_points":"1.481","offer_29_years_cost_of_discount_points":"5361.22","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":"1.500","offer_5/6_arm_cost_of_discount_points":"5430.00","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":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.346","offer_7/6_arm_discount_points":"1.385","offer_7/6_arm_cost_of_discount_points":"5013.70","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":"6.281","offer_10/6_arm_discount_points":"1.421","offer_10/6_arm_cost_of_discount_points":"5144.02","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":"2025-12-19"}.offer_20_years_rate}%`}, LTV 80% is $2542.00 for full Principal and Interest Payments with $6197.44 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.551","offer_30_year_fixed_va_discount_points":"1.601","offer_30_year_fixed_va_cost_of_discount_points":"5795.62","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":"2495.00","offer_20_year_fixed_va_rate":"5.375","offer_20_year_fixed_va_apr":"5.727","offer_20_year_fixed_va_discount_points":"1.145","offer_20_year_fixed_va_cost_of_discount_points":"4144.90","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":"5.354","offer_15_year_fixed_va_discount_points":"1.400","offer_15_year_fixed_va_cost_of_discount_points":"5068.00","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":"5.560","offer_10_year_fixed_va_discount_points":"1.400","offer_10_year_fixed_va_cost_of_discount_points":"5068.00","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"6.002","offer_30_year_fixed_fha_discount_points":"1.718","offer_30_year_fixed_fha_cost_of_discount_points":"6219.16","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":"6.324","offer_20_year_fixed_fha_discount_points":"1.572","offer_20_year_fixed_fha_cost_of_discount_points":"5690.64","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":"5.742","offer_15_year_fixed_fha_discount_points":"1.257","offer_15_year_fixed_fha_cost_of_discount_points":"4550.34","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":"6.007","offer_10_year_fixed_fha_discount_points":"1.257","offer_10_year_fixed_fha_cost_of_discount_points":"4550.34","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_years_principal_and_interest":"2168.00","offer_30_years_rate":"5.990","offer_30_years_apr":"6.216","offer_30_years_discount_points":"1.481","offer_30_years_cost_of_discount_points":"5361.22","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":"6.256","offer_25_years_discount_points":"1.491","offer_25_years_cost_of_discount_points":"5397.42","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":"6.077","offer_20_years_discount_points":"1.712","offer_20_years_cost_of_discount_points":"6197.44","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":"5.502","offer_15_years_discount_points":"1.535","offer_15_years_cost_of_discount_points":"5556.70","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":"5.663","offer_10_years_discount_points":"1.533","offer_10_years_cost_of_discount_points":"5549.46","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":"6.238","offer_26_years_discount_points":"1.481","offer_26_years_cost_of_discount_points":"5361.22","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":"6.232","offer_27_years_discount_points":"1.481","offer_27_years_cost_of_discount_points":"5361.22","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":"6.226","offer_28_years_discount_points":"1.481","offer_28_years_cost_of_discount_points":"5361.22","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":"6.221","offer_29_years_discount_points":"1.481","offer_29_years_cost_of_discount_points":"5361.22","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":"1.500","offer_5/6_arm_cost_of_discount_points":"5430.00","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":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.346","offer_7/6_arm_discount_points":"1.385","offer_7/6_arm_cost_of_discount_points":"5013.70","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":"6.281","offer_10/6_arm_discount_points":"1.421","offer_10/6_arm_cost_of_discount_points":"5144.02","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":"2025-12-19"}.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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Cut Loose

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

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

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

2025 Dot Plot

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

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

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

Relationship Problems

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

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

Fed Summary of Economic Projections

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

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

Chase or Fade?

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

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

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

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

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

OTM2025091701

The thought may be hard to avoid: Between the economy, return-to-office mandates, and the looming threat of artificial intelligence, could your job end up on the chopping block?

The nation’s labor market does seem to be at a turning point.

For one thing, it hasn’t stayed as strong as we thought: Revised government data shows the U.S. economy added 85,000 jobs between May and July — 274,000 fewer than previously estimated. In June, it turns out we actually lost jobs, marking the first decline since the pandemic in 2020.

Layoffs and job cuts are also intensifying in some regions, with employers using return-to-office policies or the advent of new AI tools to facilitate attrition, according to the Federal Reserve’s August Beige Book of economic conditions.

And there’s a lot of pessimism. People are increasingly staying put — whether they like their jobs or not — because they’re unsure they would be able to find work elsewhere. In August, worker confidence in the market reached its lowest point in any month since at least 2013.

So what can you do? The best way to stave off worry and stress is to prepare for the worst and hope for the best. While you can’t control the economy or AI adoption, you can build up your financial cushion, work on diversifying your income and stay adaptable.

Here’s how to start.

Focus on saving. Having a financial cushion to fall back on can immediately reduce your stress. If you’re not saving already, try to put away at least a little bit of money each payday.

•   Aim to end up with enough savings to cover at least three to six months’ worth of basic living expenses, but don’t be discouraged if you’re still a ways off. Every little bit adds up.

•   Keep this “sleep better at night” fund in a safe, liquid account (like a high-yield savings or money market account) so you can access it in a snap.

Tackle high-interest debt. Credit card debt can snowball even when you’re working, but it can really get out of hand if your income dries up and you’re only able to make the minimum monthly payment. Knock these balances down while you can.

•   A low-fee balance transfer or a debt consolidation loan can potentially lower your interest rates as well as your monthly payments.

•   Pro tip: Once you have enough savings to cover one month’s worth of living expenses, your money is better used paying off high-interest credit card debt. You can go back to building your savings after you’ve paid off those balances.

Cut back where you can. Look at your monthly spending carefully to determine where you can trim. (A spending tracker like SoFi’s Relay can help.) Maybe you can eat at home more, skip the laundry service or cancel those subscriptions you barely use. With inflation ticking up again, freeing up more cash for essentials and emergency savings will help you stay ahead even if you’re never out of work.

Diversify your income. A job loss can be less challenging if you have a side hustle, freelance gig, or part-time job in another field. Even a few weekend hours doing something remote or odd-job-ish can help. And these gigs often bring new skills, connections, or ideas that might feed back into your main role. See if you can build something semi-steady so you don’t lean quite as hard on your main job.

Keep your skills fresh. More than 70% of U.S. adults surveyed by Reuters/Ipsos said they’re concerned about the permanent job losses AI could trigger. But staying relevant makes you harder to replace, so whether it’s learning AI-adjacent skills or brushing up on the other skills, keep evolving. Take an online course, attend a webinar, or volunteer to try a new digital tool at work.

Related Reading

Many Employees With Side Hustles See Them as Insurance Policies, Glassdoor Says (HR Dive)

How the Job Market Will Shift in the Second Half of 2025 (Investopedia)

5 Things to Do If You’re Worried About a Recession (SoFi)

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