Sep

2025

Cost of Living in Missouri

By Dana Paltao | Uncategorized | Comments Off

Cost of Living in Missouri

An aerial view of the St. Louis skyline, featuring the Gateway Arch and skyscrapers along the Mississippi River.

Culturally it has a proud history, as the birthplace of ragtime, Kansas City jazz, and Saint Louis blues. Area sports fans can root for their choice of four major league teams: baseball’s Kansas City Royals and Saint Louis Cardinals, the NFL’s Kansas City Chiefs, and hockey’s Saint Louis Blues.

The Show-Me State boasts a relatively low cost of living, and people who value community, affordability, and access to nature often find it a rewarding place to call home. Here’s a closer look at the cost of living in Missouri.

What’s the Average Cost of Living in Missouri?

Average Cost of Living in Missouri: $52,097 per year

Missouri is among the best affordable places to live in the U.S. Its average cost of living index of 89.0 is comparable to surrounding Midwestern and Southern states. The state ranks as the sixth most affordable state, according to 2025 data from the Missouri Economic Research and Information Center (MERIC).

Average per capita consumption expenditures totaled $52,097 in Missouri, according to the latest data from the Bureau of Economic Analysis. In other words, the average monthly expenses for one person in Missouri add up to about $4,341.

Here’s a breakdown of the average cost of living in Missouri per year, by expense category.

Category	Average Annual Per-Capita Cost in Missouri
Housing and Utilities	$7,731
Health Care	$9,374
Food and Beverages (nonrestaurant)	$3,975
Gas and Energy Goods	$2,020
All Other Personal Expenditures	$28,996

Housing Costs in Missouri

Median Housing Costs in Missouri: $873 to $1,478 per month

Missouri contains approximately 2.8 million housing units, of which 67.9% are owner-occupied.

The state’s average home loan comes to roughly $170,000, as reported by Experian. Meanwhile, the average home value in Missouri is $261,715 as of mid-2025, according to Zillow. That figure represents a rise of 2.2% over the previous year — and yet the state average is still 29% lower than the national average of $368,581.

As a result, would-be homeowners are less likely to need jumbo mortgages in Missouri than they might be in coastal states.

The other 32.1% of homes are rentals. Census data reveals that more than one-third of Missouri tenants (36.3%) pay at least 35% of their monthly income in rent.

The general cost of housing in Missouri, according to the most recent Census data, is:

• Median monthly mortgage cost: $1,478

• Studio: $873

• 1 bedroom: $865

• 2 bedroom: $996

• 3 bedroom: $1,190

• 4 bedroom: $1,416

• 5 or more bedrooms: $1,423

• Median gross rent: $1,019

Average costs will of course vary by metro area, as some communities and housing are more sought after than others. Here are typical home values for Missouri’s top cities, according to Zillow data for mid-2025.

City	Average Home Value
Kansas City	$249,765
Saint Louis	$185,399
Springfield	$240,047
Columbia	$319,053
Independence	$208,427
Lee’s Summit	$386,052
O’Fallon	$374,943
Saint Charles	$342,829
Saint Joseph	$179,999

Utility Costs in Missouri

Average Utility Costs in Missouri: $423.09 per month

Wherever you live, utility costs will likely make up a significant portion of your average monthly cost of living in Missouri. Here’s a look at how much the typical Missourian is likely to pay.

Utility	Average Missouri Bill
Electricity	$126
Natural Gas	$108
Cable & Internet	$114
Water	$75

Sources: U.S. Energy Information Administration, Electric Sales, Revenue, and Average Price, 2023; Statista.com, “Average monthly residential utility costs in the United States in 2023, by state”; DoxoInsights, U.S. Cable & Internet Market Size and Household Spending Report 2023; and Rentcafe.com, What Is the Average Water Bill?

Groceries & Food

Average Food & Beverage Costs in Missouri: $331.25 per month

The average Missourian can expect to spend $3,975 per year on food and beverage outside of restaurants and bars. That’s $331.25 per month (about 7% of the average monthly cost of living in Missouri). That means that a typical family of four will spend about $1,325 per month on food.

The cost of food in the Show-Me State is lower than in surrounding plains states, like Kansas and Iowa, but a bit higher than in its Southern neighbors such as Arkansas.

For the state as a whole, food prices are well below the national average, and naturally they vary within the state. Here’s how grocery price indexes compare in various cities (the U.S. average is 100).

City	Grocery Items
Columbia	96.2
Joplin	93.4
Kansas City	97.3
Springfield	94.6
Saint Louis	98.8

Transportation

Average Transportation Costs in Missouri: $10,176 to $18,935 per year

Public transportation in Missouri is not particularly strong compared with other states. Some of the larger cities, such as Saint Louis, do have more comprehensive public transit systems, but rural areas may see limited service. Most residents will rely on their cars to move throughout the state, which means gas and auto maintenance are likely to be significant annual costs.

Transportation costs in Missouri vary depending on the size of your family, with families with children paying more. Here are some estimated costs, according to MIT’s Living Wage Calculator for 2025.

Family Makeup	Average Annual Transportation Cost
One adult, no children	$10,176
Two working adults, no children	$11,776
Two working adults, three children	$18,935

Health Care

Average Health Care Costs in Missouri: $9,374 per person, per year

Annual health care costs for Missourians average $9,374 per person, according to the Bureau of Economic Analysis. That said, your costs will vary depending on factors such as your health insurance, age, and any medical conditions you may have.

Child Care

Average Child Care Costs in Missouri: $699 to $1,449 per child, per month

Child care costs in Missouri largely depend on the age of your child. Care for younger children who have not yet reached school age is typically more expensive than care for older children. Interestingly, home-based family child care is the cheapest option for parents, possibly because it may involve parents’ own labor.

Parents who need assistance finding or paying for child care may visit Missouri’s Office of Childhood, run by the state’s Department of Elementary and Secondary Education.

Here are average child care costs in Missouri, according to CostofChildCare.org.

Type of Child Care	Average Cost Per Month, Per Child
Infant Classroom	$1,449
Toddler Classroom	$977
Preschooler Classroom	$882
Home-Based Family Child Care	$699

Taxes

Highest Marginal Income Tax Rate in Missouri: 4.7%

Compared to many other states, Missouri has relatively low taxes. In fact, its tax system ranks 13th overall on the Tax Foundation’s 2025 State Tax Competitiveness Index.

Missouri has a graduated income tax rate from 0.0% to 4.7%. In addition, the state levies property tax on real property, such as land and buildings. The state has a 0.88% effective property tax rate on owner-occupied homes. Missouri also has a 4.23% state sales tax rate. In addition, some local municipalities may levy sales tax. The average combined state and local sales tax rate is 8.41%.

Miscellaneous Costs

Missouri’s relatively low cost of living may leave you with some extra money to enjoy some of the state’s many attractions. Here’s how much you can expect to pay for some popular activities and foods:

• Silver Dollar City: Enjoy everything from roller coasters to water rides at this 1880s-themed amusement park in Branson, in the heart of the Ozarks. Day passes are $95, or $85 for people aged 4 to 11 and 65 and over.

• Saint Louis Gateway Arch: This historic Saint Louis attraction is part of the 91-acre Gateway Arch National Park. Tram rides to the top provide sweeping views of the city. The cost is $15 to $19 for adults and $11 to $15 for kids aged 3 to 15.

• Slab of ribs: Pit masters across Missouri have elevated barbecue to an art. A full slab of ribs will set you back about $30.

Saint Louis Zoo: Luckily, not everything costs money. Admission to the Saint Louis Zoo is free. There are also paid attractions in the park, such as the carousel and the Zooline Railroad, ranging from $2.95 to $7.95.

How Much Money Do You Need to Live Comfortably in Missouri?

Missouri has one of the lowest costs of living in the U.S. In fact, economic data from mid-2025 show it’s the sixth cheapest state. According to MIT’s Living Wage Calculator, a working adult with no children would need an annual income of $43,413 before taxes. Two working adults with two children would require an estimated $109,162.

What City Has the Lowest Cost of Living in Missouri?

Joplin

Situated in southwestern Missouri nestled near the state lines of Kansas and Oklahoma, Joplin is the most affordable city in the Show-Me State. Its cost of living is about 14% less than the U.S. average, while its mean home value of $200,299 falls more than 23% below the statewide average. The Ozark region to the east is home to hundreds of picturesque caves for exploring.

Springfield

With a cost of living almost 13% below the national average, Missouri’s third-largest city boasts almost half a million residents in the five-county metro area. Its average home value is about 8% below the state’s average. Local amenities include a zoo, aquarium, several local colleges (including Missouri State University), and ample wild space for hiking, hunting, and fishing. Springfield is also located less than an hour’s drive from Branson, a regional vacation destination ideal for families.

Columbia

Home of the flagship University of Missouri, Columbia sits halfway between the border cities of Saint Louis and Kansas City, roughly two hours’ drive due east or west. Its cost of living also falls midway between the two, coming in at about 10% below the national average. Even so, given the university population’s steady demand for housing, the city’s $319,053 average home value exceeds the overall state figure by more than $57,000.

Helpful Resources for Future Missouri Residents

Missouri First-Time Home Buyer Guide

Missouri Foreclosure Rate

Missouri Student Loan & Scholarship Information

The Takeaway

Thanks to Missouri’s relatively low cost of living and competitive tax rates, residents can enjoy spacious homes and a comfortable lifestyle without the financial strain of more expensive coastal states. The state complements vibrant urban centers like Kansas City with stunning natural spaces perfect for family outings.

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FAQ

What is a good salary in Missouri?

The answer to this question depends on what city or town you live in and the size of your family. According to MIT’s Living Wage Calculator, a working adult with no children requires an annual income of $43,413 before taxes in Missouri. Families with children will need to make more money. Two working adults with two children require $109,162.

Is Missouri the cheapest state to live in?

No. Missouri is the sixth least expensive state. As of mid-2025, its cost of living index was 89.0. The least expensive state is Oklahoma, with a cost of living index of 86.0.

What are the pros and cons of living in Missouri?

The pros include Missouri’s relatively low cost of living, especially when compared to coastal states. There is also variety: Residents can access vibrant cities as well as gorgeous natural areas, including the Ozark Mountains. The Show-Me State’s central location also provides easy access to much of the country. As for the cons, Missouri does face economic challenges. It struggles with education and health care rankings. The state is also prone to extreme weather patterns, including cold winters, hot and humid summers, and the potential for severe storms.

Photo credit: iStock/Art Wager

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Sep

2025

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By Dana Paltao | 1_Web_ML, mortgage | Comments Off

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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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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_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 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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.

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 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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.

⁸ 30-YEAR Payment Example: The payment for a 30-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_30_years_rate}%`}, 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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FAQs

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

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

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

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

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

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

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

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

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

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

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

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

Can I refinance to a 15-year mortgage?

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

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