Sep

2025

Current VA 30-Year Fixed Mortgage Rate Today

By Dana Paltao | 1_Web_ML, mortgage | Comments Off

VA 30-Year Fixed Mortgage Rate

Find competitive
VA 30-year fixed
mortgage rates.

A 30-year fixed VA loan¹ from
SoFi could
give you a lower
monthly payment by
extending
the timeline of the loan.
View
your VA 30-year fixed-rate today.

View your rate

Checking your rate will not affect your credit score.^†

{/* current rate */}

Current VA 30-year fixed mortgage rate.

Take a look at the current VA 30-year
fixed mortgage rate to see
why a
SoFi
VA loan could be right for you.

View your rate

Checking your rate will not affect your credit score.^†

⁵10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 4.875%, LTV 100% is $3865.00 for full Principal and Interest Payments with $1.400 due at closing. The Annual Percentage Rate is 5.560%. 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.

⁶15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 4.875%, LTV 100% is $2875.00 for full Principal and Interest Payments with $1.400 due at closing. The Annual Percentage Rate is 5.354%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁷20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.375%, LTV 100% is $2495.00 for full Principal and Interest Payments with $1.145 due at closing. The Annual Percentage Rate is 5.727%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

⁸30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 5.250%, LTV 100% is $2024.00 for full Principal and Interest Payments with $1.601 due at closing. The Annual Percentage Rate is 5.551%. 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.

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Compare mortgage rates.

Is a SoFi VA 30-year fixed-rate
mortgage right for you? Check out
our other mortgage types.

FHA Loans

Whether you have less-than-perfect credit or less cash on hand for a down payment, an FHA loan² could help you
finance the home you want.

View your rate

Mortgage Loans

Select from a variety of mortgage loan options with mortgage rates, loan terms, and monthly payments that suit your budget.

View your rate

Jumbo Loans

A jumbo loan exceeds the dollar limits set by the FHA and may be needed in expensive housing areas.

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{/* calculator */}

Calculate your VA
30-year fixed-rate
mortgage.

Plug in your numbers to see if a 30-year fixed-rate VA loan is right for you.

Crunch the numbers

Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.

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Learn more about VA Loans

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FAQs

How does a VA 30-year fixed mortgage compare to the other loan terms?

A 30-year fixed mortgage offers lower monthly payments compared to a VA loan with shorter loan terms, though you will pay more interest over time.

What are the benefits of a VA loan versus conventional loans?

VA loans typically offer 0% down payment requirements, no private mortgage insurance (PMI), and lower interest rates than conventional loans. They also have more flexible credit requirements and limited closing costs.

What would the monthly payment be on a fixed-rate $300,000 mortgage for 30 years?

The monthly payment on a $300,000 mortgage over 30 years depends on the interest rate. At a 6.50% APR fixed interest rate, for example, your monthly principal and interest payment would be about $1,896. Taxes, insurance, and fees may add to your total monthly cost.

Is a VA 30-year fixed loan a good idea for first-time homebuyers?

Yes, a VA 30-year fixed loan can be an excellent option for first-time homebuyers who are eligible. It offers no down payment requirement, no private mortgage insurance (PMI), and very competitive interest rates—all of which help reduce both up-front and ongoing costs.

What are the different types of VA loans?

The main types of VA loans include: VA purchase loans (to buy a home), VA cash-out refinance (to tap into home equity), and VA IRRRL (Interest Rate Reduction Refinance Loan).

What is a 30-year fixed VA loan?

A 30-year fixed VA loan is a government-backed mortgage that offers a fixed interest rate for 30 years.

How does a VA 30-year fixed mortgage work?

A VA 30-year fixed mortgage is a long-term loan backed by the U.S. Department of Veterans Affairs. It offers a fixed interest rate and monthly payment for the full 30-year term.

Does SoFi offer a VA 30-year fixed-rate mortgage?

Yes, SoFi offers VA 30-year fixed mortgages for qualified borrowers.

See more FAQs

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Get your VA 30-year
fixed mortgage
rate today.

View your rate to see how a 30-year
fixed VA loan rate could help you
secure the funds you need.

View your rate

Checking won’t affect your credit score.^†

Sep

2025

Current 30-Year Fixed Mortgage Rate Today

By Dana Paltao | 1_Web_ML, mortgage | Comments Off

30-Year Fixed Mortgage Rate

Check out our
current 30-year
fixed mortgage rate.

A 30-year fixed mortgage is a
conventional loan that features
lower monthly payments but
more total interest paid over the
life of the loan.

Check out SoFi’s current 30-year
fixed mortgage rate today.

View your rate

Checking your rate will not affect your credit score.

{/* current rate */}

Current 30-year fixed
mortgage rate.

Take a look at today’s 30-year fixed mortgage rate.

View your rate

Checking your rate will not affect your credit score.

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LTV 80% is $2168.00 for full Principal and Interest Payments with $5361.22 due at closing. The Annual Percentage Rate is 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st_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_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.

^* 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 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st_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.

^* 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 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st_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.

^* 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 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No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

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This loan term has moderate payments and less total interest paid. Best for those who want a balance of a lower interest and faster payoff.

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

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FAQs

How does a 30-year fixed mortgage compare to the other loan terms?

A 30-year fixed mortgage offers the lowest monthly payments compared to shorter terms like 10, 15, or 20 years. However, because the loan is paid over a longer period and typically has a higher interest rate, you will pay significantly more in total interest over the life of the loan.

What would the monthly payment be on a fixed-rate $300,000 mortgage for 30 years?

The monthly payment on a fixed-rate $300,000 mortgage for 30 years depends on the current interest rate. For example, at a 6.50% APR interest rate, the principal and interest payment would be approximately $1,896. This calculation does not include other costs like property taxes or insurance, which will increase the total monthly payment.

Is a 30-year fixed loan a good idea for first-time homebuyers?

A 30-year fixed loan is often a good option for first-time homebuyers because it offers lower monthly payments, making homeownership more affordable and manageable. This provides greater financial flexibility for other expenses and helps them budget for the long term.

Is a 30-year fixed mortgage better than a 15-year mortgage?

The “better” option depends on your financial situation. A 30-year mortgage offers lower monthly payments, which can be more manageable, while a 15-year mortgage has a lower interest rate and allows you to pay off your home sooner, saving you a substantial amount in total interest.

Can I refinance my 30-year mortgage to get a lower rate?

Yes, you can refinance your 30-year mortgage to get a lower rate. This is a common strategy when interest rates drop, allowing you to lower your monthly payments and save a significant amount of money over the life of the loan. Refinancing involves applying for a new mortgage to pay off your existing one.

Are 30-year mortgage rates different for non-conventional loans like FHA and jumbo mortgages?

Yes, 30-year mortgage rates can differ for non-conventional loans like FHA and jumbo mortgages. FHA loans, which are government-backed, may have different rates and require mortgage insurance. Jumbo mortgages, which exceed conventional loan limits, often have their own unique rates and underwriting requirements.

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Sep

2025

SBA Loan Calculator

By Wesley Yu | Uncategorized | Comments Off

SBA Loan Calculator

By Lauren Ward | Updated September 18, 2025

Using an SBA business loan calculator is a smart first step in understanding the financial commitment you’re making when applying for a Small Business Administration (SBA) loan. By entering key details such as the loan amount, interest rate, and repayment term, you can quickly generate an estimate of your monthly payments and total interest costs.

Estimate SBA Loan Monthly Payment

Applying for a small business loan requires a little bit of organization and homework, which is why it’s helpful to start with a loan calculator. It can help save time by showing you what different loan terms look like in terms of budget, payoff time, and total cost.

For SBA loans, you have three loan types to choose from: 7(a), 504, and microloans. Many small business owners choose either the 7(a) loan or the microloan option. However, you may need a 504 loan if you want to purchase or develop real estate or invest in long-term equipment.

An SBA loans calculator is fairly straightforward, but there are some differences between it and other loan calculators you may have used. The details may vary depending on the specific loan type, but you’ll likely see the following fields on your SBA calculator: loan amount, project cost, down payment, interest rate, bank origination fee, and loan term.

• Loan amount: How much you plan to borrow. Loan amounts vary based on the type of SBA financing you’re interested in.

• Interest rate: The cost of the loan. The amount of business loan interest you’re charged depends on your credit score and other factors, but the good news is that the SBA has a maximum cap on lender rates.

• Loan term: How long you’ll make monthly payments until the loan matures. The shorter the loan term, the higher your monthly payment — but also the less you’ll pay in interest over time.

• Bank origination fee (7(a) loans only): A one-time fee charged by the lender to cover administrative costs associated with the loan underwriting process.

• Project cost (for 504 loans only): The amount of capital needed for the project. This should include land, equipment, and other costs you may incur.

• Down payment (for 504 loans only): How much you’re able to put down towards the project. For a 504 loan, you must put down at least 10% towards the project.

Grow Your Business the Right Way

Explore small business funding options in one place with no impact to your credit score.†

Explore funding options

How to Use the SBA Loan Calculator

Step 1: To use an SBA loan calculator, you first need to select your loan type. You can choose between a 7(a), 504, or a microloan (more details on the differences below).

Step 2: Next, choose your loan amount. If you’re undergoing a major project that revolves around real estate and purchasing long-term equipment, you’ll probably choose between a 7(a) and a 504 loan. A 504 loan requires you to know the total project cost and be able to make a down payment of at least 10% or more. If a down payment isn’t possible at the moment, then consider a 7(a).

Step 3: Enter in the interest rate. If you don’t know what interest rate to put in, start with 10% to get a ballpark idea of how much a loan will cost you monthly and over the life of the loan.

Step 4: Select the loan term, which is the length of time it will take you to pay back the money you borrowed. Your loan term will greatly impact your monthly payment. Longer terms have smaller monthly payments, but you’ll pay more in interest over the life of the loan.

Step 5: For 7(a) loans, you’ll enter in an origination fee. Lender fees can vary, but are typically 1% to 5% of the total loan amount. You can experiment with different numbers and compare multiple lender options to make sure you get the best deal.

SBA Loan Calculator Limitations

There are a few limitations when using an SBA loan calculator. The first is that it doesn’t account for additional lender fees that may be charged. It also doesn’t allow for a variable interest rate. Your total repayment may vary with these additional factors at play, so keep that in mind.

Understanding SBA Loan Terms and Rates

SBA borrowers have three options to choose from: 7(a), 504, and the SBA Microloan.

• 7(a): Maximum loan term of 10 years and a maximum loan amount of $5 million. Interest rates vary depending on how much you borrow and range from base rate plus 3.0% to base rate plus 6.5%.

• 504: Offers up to 25-year loan terms with a maximum loan amount of $5.5 million. Can be used for real estate, construction, and machinery.

• Microloan: Offers loans up to $50,000. Interest rates are usually between 8% and 13%, but varies depending on the lender, and the maximum loan term is seven years.

While SBA loans come with many benefits, remember that there might be a better loan option on the market that is more appropriate for your needs. There are many other types of small business loans, like a business line of credit or a merchant cash advance. Consider all of your options before submitting any applications.

Differences Between SBA Loan Options

Check out this side-by-side comparison of multiple SBA loans.

	Standard 7(a)	Small 7(a)	504	Microloan	SBA Express
Maximum Loan Amount	$5 million	$350,000	$5.5 million	$50,000	$500,000
Maximum Interest Rate	Base rate plus 6.5%	Up to the SBA maximum	Varies on market rate for 10-year U.S. Treasury issues	Varies on lender, but is usually between 8% and 13%	Up to the SBA maximum
Maximum Loan Term	10 years	10 years	25 years	7 years	10 years

The Takeaway

An SBA loan payment calculator provides business owners with all of the fields necessary to truly understand the cost of borrowing. With this knowledge in hand, you can make the best decision for your company and its continued growth.

If you’re seeking financing for your business, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your business in minutes.

With one simple search, see if you qualify and explore quotes for your business.

Learn more

FAQ

Is it difficult to get an SBA loan?

Getting an SBA loan can be challenging due to stringent eligibility criteria and a thorough application process. However, with a solid business plan, good credit, and strong financials, your chances improve. SBA loans are designed to support small businesses, so preparation and persistence are key.

What is the easiest SBA loan to get?

The SBA Microloan is often considered the easiest SBA loan to obtain. It offers smaller amounts, typically up to $50,000, with less stringent requirements and a simpler application process. These loans are ideal for startups and small businesses needing funds for working capital or equipment.

How much money can be borrowed from the SBA?

If you qualify, you can borrow as much as $5.5 million dollars with an SBA 504 loan. For a 7(a) loan, the maximum is $5 million. The approval amount, however, depends on your revenue, credit score, and available collateral.

SoFi's marketplace is owned and operated by SoFi Lending Corp.

Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

This content is provided for informational and educational purposes only and should not be construed as financial advice.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOSMB-Q325-014

SoFi receives compensation in the event you obtain a loan, financial product, or service through SoFi’s marketplace. This webpage is owned and operated by SoFi Lending Corp., licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS number 1121636. ((www.nmlsconsumeraccess.org)). This page is NOT operated by SoFi Bank. Loans, financial products, and services may not be available in all states. All loan terms, including interest rate, and Annual Percentage Rate (APR), and monthly payments shown through SoFi’s marketplace are from providers and are estimates based upon the limited information you provided and are for informational purposes only. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion. Estimated APR includes all applicable fees as required under the Truth in Lending Act. The actual loan terms you receive, including APR, will depend on the provider you select, their underwriting criteria, and your personal financial factors. The loan terms and rates presented are provided by the providers and not by SoFi Lending Corp. Please review each provider’s Terms and Conditions for additional details.
*Small Business Loans: Reference to “same day funding” or “funding within 24 hours” describes a general capability of many lenders you can reach through SoFi’s marketplace. Funding or funding timing is not guaranteed. Your experience with any lender will vary based on requirements of the lender and the loan you apply for. To determine the timing of funds availability, you must inquire directly with any lender. In addition, your access to any funds from a loan may be dependent on your bank’s ability to clear a transfer and make funds available.
†Credit score impact: To check the options, terms, and/or rates you may qualify for, SoFi and/or its network providers will conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the provider(s) you choose will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Rates may not be available from all providers.
©2025 SoFi Lending Corp. All rights reserved.

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Sep

22

2025

Week Ahead on Wall Street: Back to Fundamentals

By Mario Ismailanji | | Comments Off on Week Ahead on Wall Street: Back to Fundamentals

Compared to the high drama of last week’s Federal Reserve meeting, this week may look like a big ol’ nothingburger. But a more measured pace will return our focus to corporate developments and shifting fundamentals, and even a quiet week has the potential to shake things up in the markets.

In the wake of the Fed’s interest rate cut, a variety of data on business conditions, construction, and consumer spending can help investors analyze the macro backdrop.

And now that the central banks’s communication blackout period is over, we will also have commentary from Fed officials to look forward to. Any info on how they view the economy and balance of risks will be of particular interest.

Economic and Earnings Calendar

Monday

•  August Chicago Fed National Activity Index: This is a monthly index put together that incorporates 85 indicators from four categories: production and income; employment, unemployment, and hours; personal consumption and housing; and sales, orders, and inventories.

•  Fedspeak: New York Fed President John Williams will speak in a panel hosted by The European Money and Finance Forum. St. Louis Fed President Alberto Musalem will discuss the economic and monetary policy outlook, followed by moderated Q&A. Cleveland Fed President Beth Hammack will host an event at the Cleveland Fed. Richmond Fed President Tom Barkin will speak at a Howard County Chamber event.

Tuesday

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

•  September S&P Global US PMIs: These indexes track how purchasing managers across different industries feel about the business environment.

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

•  September Richmond Fed Non-Manufacturing Activity: The Richmond Fed’s survey of services executives in the region on business conditions and their outlook.

•  Fedspeak: Atlanta Fed President Raphael Bostic will discuss the economic outlook on the Macro Musings podcast.

•  Earnings: AutoZone (AZO), Micron Technology (MU)

Wednesday

•  August New Home Sales: While only a minority of home transactions in any given month come from new constructions, these home prices tend to be more cyclical and give insight into developing trends.

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

•  Fedspeak: San Francisco Fed President Mary Daly will deliver a speech on the economic outlook, followed by a moderated discussion and Q&A.

•  Earnings: Cintas (CTAS)

Thursday

•  August Wholesale Inventories and Sales: Wholesalers often operate as an intermediary between manufacturers and retailers, serving as a key part of the goods supply chain.

•  August Wholesale and Retail Inventories: Wholesalers and retailers often operate as intermediaries for the sale of manufactured products, serving as a key part of the goods supply chain.

•  2Q GDP Third Estimate: The primary measure of economic activity in the United States, which is measured as total expenditure on a country’s goods and services.

•  August Factory and Durable Goods Orders: These metrics give insight into underlying trends for leading cyclical indicators.

•  August Existing Home Sales: Most home transactions in any given month tend to come from the existing market, and as a result set the tone for the broader housing market.

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

•  Weekly Jobless Claims: This high frequency labor market data gives insight into filings for unemployment benefits.

•  Fedspeak: Chicago Fed President Austan Goolsbee will participate in a moderated discussion on the economy and central bank at Crain’s Power Breakfast. Williams will give welcoming remarks at the fourth annual International Roles of the U.S. Dollar conference. Fed Governor Michael Barr will discuss bank stress testing and possible reforms at the Peterson Institute for International Economics, followed by Q&A. Daly will discuss the economic outlook and other topics at the 2025 Western Bankers forum.

•  Earnings: Accenture (ACN), Costco (COST), Jabil (JBL), CarMax (KMX)

Friday

•  August Personal Income and Spending: These numbers give insight into how Americans are doing, which is important since consumer spending accounts for about two-thirds of economic growth in the United States.

•  August Personal Consumption Expenditures Price Index: The Fed targets this inflation measure for its price stability mandate and believes PCE to be the best measure of consumers’ spending habits.

•  September University of Michigan Consumer Sentiment: How consumers feel about economic conditions affect their spending habits. This survey places a particular focus on inflation and its trajectory.

•  September Kansas City Fed Non-Manufacturing Activity: The Kansas City Fed’s survey of services executives in the region on business conditions and their outlook.

•  Fedspeak: Barkin will discuss the economic outlook in a fireside chat, followed by moderated Q&A. Fed Vice Chair for Supervision Michelle Bowman will participate in a moderated discussion at the Financial Markets Quality Conference.

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

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

SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.
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Sep

20

2025

Current HELOC Rates in Anaheim, CA Today

By Dana Paltao | mortgage | Comments Off on Current HELOC Rates in Anaheim, CA Today

ANAHEIM HELOC RATES TODAY

Current HELOC rates in

Anaheim, CA.

Disclaimer: The prime rate directly influences the rates on HELOCs and home equity loans.

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Compare HELOC rates in Anaheim.

Key Points

•   With a home equity line of credit, you pay interest only on the amount you borrow.

•   Lenders examine your credit score, debt-to-income ratio, and home equity when determining your HELOC interest rate.

•   HELOCs’ variable interest rates can change, impacting monthly payments and overall costs.

•   Borrowers who fail to keep up with payments run the risk of foreclosure.

•   Online calculators can help you estimate monthly payments and total costs.

Introduction to HELOC Rates

Welcome to your comprehensive guide to home equity line of credit rates in Anaheim, California. Here, we’ll demystify the HELOC process and help you understand how rates are determined by the many factors that influence them. You’ll also discover the benefits and potential risks of HELOCs, how to qualify for competitive rates, and the tools available to estimate your monthly payments. Whether you’re dreaming of home renovations, looking to consolidate debt, or simply want a line of credit as a financial safety net, this guide is your key to making well-informed decisions about borrowing against your home equity.

What Exactly is a HELOC?

A HELOC is a revolving credit line that is secured by your home equity, which is the value of your home minus the balance you owe on your home loan. To qualify, you generally need 15% equity in your home. With a HELOC, you can typically borrow up to 90% of that equity. But remember: When your home serves as collateral, a lender can foreclose if you fail to make your payments. So it’s important to understand how HELOCs work. Unlike other borrowing methods, a HELOC has two phases, and payment is structured differently in each.

The Draw Period

During the draw period, which usually extends for a decade, you can access funds as needed, pay interest only (as opposed to paying both principal and interest), and reborrow up to your credit limit if you do repay the principal. You may find it helpful to have a HELOC interest-only calculator on hand to estimate your payments in this phase.

The Repayment Period

Next you’ll arrive at the repayment period, which lasts up to 20 years and requires you to make monthly principal-plus-interest payments. HELOCs have variable interest rates, so monthly payments can change at regular intervals. A HELOC monthly payment calculator will be handy to estimate what you owe.

Recommended: HELOC vs. Home Equity Loan

Where HELOC Interest Rates Come From

HELOC interest rates are tied to the prime rate, which is heavily influenced by the Federal Reserve. Each lender adds a margin to the prime rate to determine its basic HELOC rate. But lenders also take into account individual borrower factors, such as credit score, debt-to-income (DTI) ratio, and the amount of equity an owner has in the home. This is why it’s so important to take the time to seek out rate quotes from multiple lenders before settling on a partner for your HELOC.

How Interest Rates Impact HELOC Affordability

It’s worth the time you’ll spend exploring HELOC rates with lenders because the interest rate on your HELOC determines how much it costs you. Even a seemingly small difference in the interest rate can make a big difference in the amount of interest you’ll pay. Let’s say you borrowed $100,000 with a HELOC and had a 20-year repayment term. You would have the following monthly payment amounts at 7.00%, 8.00%, and 9.00% interest: $775, $836, and $900, respectively. Your total interest paid would be $86,072, $100,746, and $115,934.

HELOC Interest Rate Trends

While no one can predict the future, keeping an eye on the prime rate can provide a glimpse into potential HELOC rate movements. And knowing the history of the prime rate can provide valuable perspective. You’ll get a sense of whether current rates are relatively low or high, and you can see how variable rates have the potential to shift up and down over time.

The prime rate has seen its share of ups and downs, ranging from an unusually low 3.25% in 2020 to a recent high of 8.50% in 2023.

Date U.S. Rate

9/19/2024 8.00%

7/27/2023 8.50%

5/4/2023 8.25%

3/23/2023 8.00%

2/2/2023 7.75%

12/15/2022 7.50%

11/3/2022 7.00%

9/22/2022 6.25%

7/28/2022 5.50%

6/16/2022 4.75%

5/5/2022 4.00%

3/17/2022 3.50%

3/16/2020 3.25%

3/4/2020 4.25%

10/31/2019 4.75%

9/19/2019 5.00%

8/1/2019 5.25%

12/20/2018 5.5%

9/27/2018 5.25%

Source: U.S. Federal Reserve

Variable vs Fixed Interest Rates

As we’ve noted, HELOCs usually come with variable interest rates, which means they can change based on market conditions. These rates — also called adjustable rates — may start lower than fixed rates. But they can go up or down over the life of your HELOC, which could lead to some uncertainty in your monthly payments.

There are some guardrails on a variable rate: The HELOC agreement will spell out how often the rate can change and by how much, so there shouldn’t be outright surprises. If you can get comfortable with the parameters set out in the agreement, and can plan on how you would make your payments should the rate rise to its highest point, then you can probably handle a HELOC.

Helpful Tools & Calculators

One way to get a sense of what your payments might be before you apply for a HELOC, is to use online calculators to compute costs at different borrowing levels and with different interest rates. These calculators will be useful in your decisionmaking process and beyond.

Run the numbers on your HELOC.

Home Equity Loan
Calculator

Enter a few details about your home loan and we’ll provide you your maximum home equity loan amount.

Calculate

HELOC Payment
Calculator

Punch in your HELOC amount and we’ll estimate your monthly payment amount for your HELOC.

Calculate

HELOC Interest Only
Calculator

Use SoFI’s HELOC interest calculator to estimate how much monthly interest you’ll pay .

Calculate

Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.

How to Qualify for a Competitive HELOC Rate

To obtain a HELOC, you’ll need at least 15% equity in your home. You can compute your number by subtracting your mortgage balance from your home’s value, then dividing the product by your home value. Did you clear the bar? Keep going and sharpen your credit score and debt-to-income ratio for the best HELOC rates.

Improve Your Credit Score

You need a credit score of 640 or better to qualify for a HELOC. But to get the best available rates, aim for 700 and beyond. Making your payments on time and chipping away at credit card balances can help your score soar. It’s also wise to check your credit report for errors and request a correction on any you find. And avoid opening new credit accounts or closing old ones in the months leading to your HELOC application.

Calculate Your Debt-to-Income Ratio (DTI)

Your DTI ratio is a vital number, and it’s pretty easy to determine: Add up your monthly debt payments (student loan, car loan, credit card, etc.) and divide by your gross monthly income. HELOC lenders are generally looking for a DTI below 50%. But for the best rates, try to trim your DTI ratio below 36%. You can do this by paying down credit lines, increasing your income, or both.

Current HELOC rates by state.

Compare current HELOC interest rates by state and find a HELOC rate that suits your financial goals.

Select a state to view current rates:

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Alabama

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North Carolina

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Rhode Island

South Carolina

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Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

Application Process for a HELOC in Anaheim

The process of securing a HELOC in Anaheim is made smoother by starting with online prequalification. This preliminary step, which you can take with multiple lenders, gives you a clear picture of the HELOC rates in Anaheim and the terms you could be eligible for before you dive into a full application. If initial numbers look good and you decide to proceed with a full application, follow these steps:

Step 1: Run the Numbers

First things first, check your equity level, credit score, and DTI ratio using the advice above. If you hit the minimum necessary numbers (15% equity, a credit score of 640, and a DTI ratio below 50%), it’s time to proceed.

Step 2: Compare Lenders

Take a look at the rates in Anaheim. But also compare qualification requirements, credit minimums and maximums, any associated fees, and the length of both the draw and repayment periods. Keep an eye out for lenders that offer competitive rates and terms that will suit you. Reading customer reviews and thoroughly checking a lender’s reputation can help you make a more informed decision.

Step 3: Submit Your Application

Now it’s time to gather all the necessary paperwork. This includes proof of identification, income verification, and property information. For income verification, you’ll need to provide your most recent pay stubs, W-2 forms, and complete tax returns from the previous year. If you’re self-employed, you may also need to provide a profit-and-loss statement and your tax returns from the past two years. Additionally, you’ll need to provide a homeowners insurance declaration page as part of the property documentation. Once you have everything you need, you can submit your application online, over the phone, or in person.

Step 4: Get an Appraisal

After you submit an application and solidify your choice of lender, you’ll likely need an appraisal. Work with the lender to ensure you get the appraisal and documentation the lender requires. The typical cost of having a pro weigh in on the value of your home is usually between $300 and $600.

Step 5: Prepare for Closing

Once you’re approved for a HELOC and decide to move forward, you’ll need to sign the HELOC documents and take care of any associated fees. Most lenders will make funds available within three business days of the HELOC closing. Before you sign on the dotted line, be sure you understand all the terms and conditions. This is an important step to avoid any surprises and to make sure you’re prepared to use your HELOC.

Closing Costs and Fees

HELOC closing costs are typically lower than the fees you’d encounter with a home purchase or a refinance. Expect an appraisal fee to be the most significant cost. You might also see a title search fee (around $100 to $450), an application fee, origination charges, and administrative fees. Some lenders tack on an annual maintenance fee (up to $250) or transaction fees for withdrawals. Lenders may offer to reduce or even waive your closing costs, but this could mean a slightly higher interest rate.

Recommended: Different Types of Home Equity Lending

Tax Benefits and Considerations

Here’s a tip: Homeowners can deduct HELOC interest from their taxes, but only if the borrowed funds are specifically used to significantly improve their primary residence. This tax benefit is valid through the year 2025. Tax laws can be intricate, and a tax advisor can help you confirm your eligibility for deductions and keep you apprised of how the rules may change in future years.

Alternatives to HELOCs

Beyond HELOCs, there are other ways to get equity out of your home. Home equity loans are a good choice if you know exactly how much money you need and prefer a fixed interest rate. Cash-out refinancing is another way to leverage your home. And personal loans don’t involve using your home as collateral at all.

Home Equity Loans

Unlike HELOCs, home equity loans provide a lump sum amount and are paid back at a fixed interest rate. You can usually access up to 85% of the equity you’ve built in your home. Lenders like to see a credit score of 680 or higher, and many prefer 700+ for the best rates. The monthly payments on these loans are predictable. A home equity loan calculator can help you see how much you might be able to borrow with this loan type.

Cash-Out Refinance

A cash-out mortgage refinance is another way for homeowners to tap into their home equity. In this case, you would refinance your mortgage for more than you currently owe and pocket the difference. Typically, you’ll need a credit score of 620 or higher and a DTI ratio below 43%. If you are thinking about a cash-out refinance vs. home equity line of credit, the key difference is that with a refi, you can choose a fixed or variable interest rate.

Personal Loan

A personal loan is typically unsecured and repaid in regular, fixed installments over a period of two to seven years. The key benefit here is that your home is not at risk of foreclosure should you hit financial headwinds. Most lenders look for a credit score of 610 or higher when considering a personal loan application. While the process is relatively swift, do note that the interest rates are often higher than those of HELOCs or home equity loans.

The Takeaway

If you’re thinking about tapping into your home equity, consider the pros and cons. A HELOC can be flexible, allowing you to borrow only the amount you need when you need it. But defaulting on payments could mean losing your home. Have a plan for making payments both during the draw and the repayment phase, and consider how interest rates might change over the course of your HELOC. And take the time to shop for the best HELOC rates in Anaheim before you commit to a lender.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

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FAQ

What can a HELOC be used for?

A HELOC can be used for a variety of expenses, from home improvements to debt consolidation. It provides a flexible line of credit, allowing you to withdraw funds as needed during the draw period, typically 10 years, and make interest-only payments. This makes it useful for managing ongoing expenses or large projects that have unpredictable costs.

What’s the monthly payment on a $50,000 HELOC?

The monthly payment on a $50,000 HELOC hinges on the interest rate and the terms for repayment, as well as how much of the credit line you have used and which HELOC phase you are in. That is unique for every borrower. During the draw period, you’d usually be making interest-only payments. But once that phase is over, get ready to tackle both the principal and interest, which could mean a jump in your monthly payment.

Do I need an appraisal for a HELOC?

The appraisal is a critical step in the process of obtaining a HELOC. It helps the lender understand the value of your home, which in turn determines the amount of equity you have available to borrow.

How tough is it to get a HELOC?

Obtaining approval for a HELOC isn’t hard if you meet the lender’s criteria. Lender requirements vary, but the basic prerequisites are a credit score of at least 640, a debt-to-income ratio below 50%, and a home equity level of 15%. The best interest rates go to those with a credit score of at least 700 and a DTI ratio of 36% or less. The application process includes submitting financial records and arranging for a home appraisal.

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¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.

†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.

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SOHL-Q225-457

Browse other California home guides.

Browse HELOC rates by state guides.

More HELOC resources.

What is a Home Equity Line of Credit

Learn more

Different Types of Home Equity Loans

Learn more

HELOC vs Home Equity Loan: How They Compare

Learn more

Turn your home equity into cash. Call us for a complimentary consultation or get prequalified online.

Call (888) 541-0398

View your rate

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Current HELOC Rate in Anaheim

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Date	U.S. Rate
9/19/2024	8.00%
7/27/2023	8.50%
5/4/2023	8.25%
3/23/2023	8.00%
2/2/2023	7.75%
12/15/2022	7.50%
11/3/2022	7.00%
9/22/2022	6.25%
7/28/2022	5.50%
6/16/2022	4.75%
5/5/2022	4.00%
3/17/2022	3.50%
3/16/2020	3.25%
3/4/2020	4.25%
10/31/2019	4.75%
9/19/2019	5.00%
8/1/2019	5.25%
12/20/2018	5.5%
9/27/2018	5.25%

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Compare HELOC rates in Anaheim.

Introduction to HELOC Rates

What Exactly is a HELOC?

The Draw Period

The Repayment Period

Where HELOC Interest Rates Come From

How Interest Rates Impact HELOC Affordability

HELOC Interest Rate Trends

Variable vs Fixed Interest Rates

Helpful Tools & Calculators

How to Qualify for a Competitive HELOC Rate

Improve Your Credit Score

Calculate Your Debt-to-Income Ratio (DTI)

Current HELOC rates by state.

Application Process for a HELOC in Anaheim

Step 1: Run the Numbers

Step 2: Compare Lenders

Step 3: Submit Your Application

Step 4: Get an Appraisal

Step 5: Prepare for Closing

Closing Costs and Fees

Tax Benefits and Considerations

Alternatives to HELOCs

Home Equity Loans

Cash-Out Refinance

Personal Loan

The Takeaway

FAQ

What can a HELOC be used for?

What’s the monthly payment on a $50,000 HELOC?

Do I need an appraisal for a HELOC?

How tough is it to get a HELOC?

More HELOC resources.

Tips and news—
for your financial moves.

Calculate your VA
30-year fixed-rate
mortgage.

Get your VA 30-year
fixed mortgage
rate today.

Current 30-year fixed
mortgage rate.

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fixed-rate mortgage payment.

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fixed-rate mortgages.

Get your 30-year
fixed mortgage rate
today.

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