Free Hawaii Home Mortgage Loan Calculator
Hawaii Mortgage Calculator
By SoFi Editors | Updated September 23, 2025
Getting a mortgage in Hawaii is possible — and easier if you do your homework in advance. Just put a few basic bits of information into this Hawaii mortgage calculator to learn the monthly payment amount and total interest you’ll pay on your home purchase. You can also try out different scenarios using the calculator, to find the home price, down payment, and interest rate that create the most accessible combination for you.
Key Points
• A mortgage loan calculator will help you, as a homebuyer, to quickly estimate your monthly and total costs when you borrow money to buy a home.
• Your monthly mortgage payments should not, as a general guideline, exceed 28% of your gross income.
• The calculator includes loan principal, interest, and estimated property taxes.
• By extending the loan term, you can reduce your monthly payments and make home buying a little more affordable.
• First-time homebuyer programs, available in many states, offer down payment and closing cost assistance.
Hawaii Mortgage Calculator
Calculator Definitions
• Home price: The purchase price you’ve negotiated with the seller is your home price. This number may differ from the price in the initial listing, as well as from your first offer.
• Down payment: The amount you pay upfront is your down payment. It’s often mentioned as a percentage of the total price of the home you’re purchasing. A homebuyer usually puts down anywhere from 3% to 20%. Some of them apply to down payment assistance programs for help pulling together the funds they need.
• Loan term: The loan term is the amount of time you have to repay the home loan in full. The most prevalent terms are 15 or 30 years. A shorter term should reduce the total interest you’ll pay, but increase monthly payments. A longer term gives you a lower monthly payment, but you’ll pay more interest overall.
• Interest rate: The interest rate determines what you’ll pay to borrow the money. It’s always expressed as a percentage of the loan amount. Interest rates vary because they’re based on different factors, including the borrower’s qualifications, trends in the market, and the loan type.
• Annual property tax: An annual property tax is levied by the local government on land and buildings within their jurisdiction. It’s expressed as a percentage of a property’s assessed value. Hawaii has the lowest property tax rate in the nation at 0.27%.
• Monthly payment: What you pay toward the loan’s principal and interest each month, plus a portion of your property taxes, add up to your monthly payment amount. This calculator does not include home insurance, private mortgage insurance (PMI), or homeowners association (HOA) fees.
• Total interest paid: The amount of interest you will pay over the whole life of your home loan is referred to as total interest paid. A larger down payment, lower interest rate, or shorter loan term can reduce the amount.
• Total loan cost: This represents the all-in amount you’ll pay for the loan, or the total loan cost. It includes both the principal borrowed and the accumulated interest.
How to Use the Hawaii Mortgage Calculator
Step 1: Enter Your Home Price
Type in the purchase price that you and the home’s seller negotiate. The calculator uses this figure to estimate both your monthly mortgage payment and your total interest cost.
Step 2: Select a Down Payment Amount
Choose the percentage of the home price you plan to pay upfront. Remember that with a larger down payment you can reduce your monthly mortgage payment, as well as what you will pay in total interest. Use a down payment calculator to help you decide the ideal amount to put down.
Step 3: Choose a Loan Term
Select the least amount of time you think you’ll need to pay off the mortgage, usually ranging from 10 to 30 years. A longer loan term means lower monthly payments, but more interest paid over time.
Step 4: Enter an Interest Rate
Add your estimated loan interest rate, to the second or third decimal point. Remember that a lower rate may reduce monthly payments and the total interest you pay. If you’re purchasing a pricey property, look at rates for a jumbo loan, which might be an option.
Step 5: Add Your Annual Property Tax Rate
Enter the property tax rate for the new home. Input the rate as a percentage — for example, if the rate is 1.2%, the entry should be 1.2.
Benefits of Using a Mortgage Payment Calculator
A mortgage calculator can help you easily determine how much house you can afford, and is a particularly helpful tool if you’re buying your first home. You’ll be able to see an estimate of your monthly payment based on your loan amount, interest rate, and term. You can also compare different loan amounts and rates to see how they would influence your budget.
If the type of mortgage loan you choose comes with a variable interest rate, you can still estimate your costs using the calculator. But keep in mind that the estimates it gives you may be less precise due to rate fluctuations.
Recommended: The Cost of Living in the U.S.
Deciding How Much House You Can Afford in Hawaii
The median home sale price in Hawaii in late 2025 was around $738,500. Lenders generally prefer borrowers to have a mortgage payment that’s no more than 28% of their gross monthly income. The payment in this 28% equation would include not only the principal and interest, but property taxes and homeowner’s insurance, or PITI.
To afford a $700,000 home following this formula, you’d need to have an annual income of roughly $167,000, assuming you could make a 20% down payment ($140,000) and qualify for a 30-year mortgage at 7.00%. Your estimated monthly mortgage payment would be around $3,900. This equation does not account for other significant debts you may have responsibility for, though. If you have a student loan or car payment, or you’re trying to pay off credit card debt, you may not be able to afford this mortgage until you’ve increased your income.
With a home affordability calculator, you can create an estimate of how much house you can afford on your current income. You can participate in the mortgage preapproval process with a lender, too. Taking that step will give you a clear picture of the loan type and size you can afford.
Current mortgage rates by state.
Compare current home interest rates by state and find a mortgage rate that suits your financial goals.
Select a state to view current rates:
Components of a Mortgage Payment
A mortgage payment’s two primary parts are the loan principal and the interest. In addition to those two line items, our mortgage calculator factors in property taxes that are often included in monthly loan payments — in the case of Hawaii, a low 0.27%. (It is in a lender’s interest to prevent lapses on borrowers’ tax payments.) Your monthly payment may also include private mortgage insurance (PMI) if your down payment is under 20%, or homeowners association (HOA) fees, depending on your situation.
If you’re considering a home loan guaranteed by the Federal Housing Administration (FHA), try out an FHA mortgage calculator, which will automatically factor in the agency’s upfront mortgage insurance premiums. You may also be looking at a U.S. Department of Veterans Affairs-backed loan. In this case, a VA mortgage calculator will be your best bet.
Recommended: Down Payment Calculator
Cost of Living in Hawaii
Your area’s cost of living affects how much you can afford when you buy a home. A high-priced state like Hawaii — with housing costs more than three times the national average and utilities twice the price of the average elsewhere — tend to have above-average home prices and higher-than-normal costs for utilities, maintenance, transportation, or all of the above. Hawaii had the highest composite cost of living index in the U.S. in late 2025.
Hawaii’s biggest city, Honolulu, ranks at the top of the Cost of Living Index (COLI) at 186.9. Perhaps needless to say, you won’t find many Hawaiian paradises on a list of the best affordable places in the U.S.
Recommended: Average Monthly Expenses for One Person
Run the numbers on your home loan.
-
Mortgage calculator
Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.
-
Down payment calculator
Enter a few details about your home loan and we’ll provide your monthly mortgage payment.
-
Home affordability calculator
Provide us with a few details and see how much you can afford to spend on a home purchase.
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.
Tips on Reducing Your Mortgage Payment
Hawaii homebuyers understandably make a point of doing whatever they need to do to lower their mortgage payments. Here are some ways you may be able to reduce the amount you pay monthly:
• Qualify as a first-time homebuyer.
• Drop PMI the minute you reach 20% home equity. (Lenders expect you to inform them when you’re ready to do this.)
• Recast your mortgage by making the biggest lump-sum payment toward the principal you can afford, and then asking the lender to recalculate your payment.
• Ponder appealing your property taxes — but only if you can determine definitively that what you’re being charged is too high. If you invite scrutiny of your property’s worth, it can also result in a tax increase, which will increase your payment. Exercise caution!
• Ask your lender to modify your loan if you find yourself facing financial hardship.
• Try extending your loan term, stretching it out more so you can lower monthly payments.
• Shop around and see if you can find a homeowners insurance policy that costs even less than what you are paying.
• If mortgage rates have dropped since you bought your home, consider a mortgage refinance.
The Takeaway
Using a Hawaii mortgage loan calculator is a smart first step to understanding the financial commitment you make when you take on a home loan. By considering factors like down payment, loan term, and interest rate, the calculator can show you how to make an informed decision about how much house you can afford. Whether you’re a newbie to homebuying or a seasoned homeowner, you’ll gain valuable insights and feel well-prepared.
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.
FAQ
What is a mortgage payment?
Typically a monthly bill for borrowers, the mortgage payment includes principal and interest on your loan. It may also include a charge for property taxes and homeowners insurance. If a borrower is required to have PMI, that may be included as well. The payment to the principal reduces the outstanding loan balance, while the interest portion pays the cost of borrowing back to the lender. Including property taxes and insurance in the monthly payment helps to ensure that these expenses are consistently covered through the life of the loan (and that the home is insured).
How does my credit score affect my mortgage loan interest rate?
Your credit score impacts your mortgage interest rate significantly. With a higher score, you can possibly persuade a lender to offer the most attractive interest rate available, reducing your mortgage’s total cost. A lower score may draw you a higher interest rate and stricter lending conditions — if you’re approved.
What are principal and interest on a mortgage loan?
Principal and interest are key mortgage payment components. The principal is the original loan amount. Interest is the money you pay to the lender for the privilege of taking out that loan. Over time, more and more of your payment goes toward the principal, which reduces the loan balance, and in turn the amount of interest you have to pay. An amortization schedule, which you’ll find among your loan documents, will show you how much of your monthly payment goes into each bucket.
How much should I put down on a mortgage?
You should put down as much money as you comfortably can. The down payment on a home is a good thing to scrimp and save for. Emptying your emergency fund or stopping payments on other debt, for example, is not the thing to do. If you qualify as a first-time homebuyer, you can often put down as little as 3% toward a home’s purchase price. Repeat buyers may be able to put in just 5%. Pay less than 20% and you’ll likely have to pay for private mortgage insurance in your monthly bill. Look at the entire financial picture to determine what makes sense for you.
Should I choose a 30-year or 15-year mortgage term?
A 30-year term will offer lower monthly payments and make homeownership feel more accessible. A 15-year term could save you thousands of dollars in interest but will require you to come up with more for your payment each month. If you can make a 15-year or 20-year term work, do it. But if this is your first home purchase or you just have a really tight budget, you can feel fine about locking in 30 years. It’s the most sought-after mortgage term in the U.S.
How can I get a lower mortgage interest rate?
To have access to the lowest rates, work on cultivating a strong credit score (aim for 700 or more, although you only need 620 to qualify for a home loan). Go through the online prequalification process with several lenders so you can see how low a rate you can obtain. A higher down payment may help if you can afford one. If you own a home already, you can explore a mortgage refinance by comparing the costs of your old loan to those you’d have to pay on a new one (add closing costs, too) with a new, lower rate.
How much income do you need for a $400,000 mortgage?
You’ll probably need to earn around $130,000 a year to qualify for a $400,000 mortgage, assuming it’s a 30-year loan at an interest rate of 7.00%, and you aren’t burdened by other significant debts. Need a mortgage closer to $600,000? You’ll need to make more like $180,000 to be approved. One rule of thumb to follow is that your home price should not be more than three times your gross income, assuming you don’t have other significant debts.
Can I afford a $300K house on a $70K salary?
It would be a stretch to think you could easily make the payments on a $300,000 property on a salary of $70,000, unless you’re able to make a significant down payment. One easy equation is, your house price should be around or less than your salary times three. Using a home affordability calculator, you can assess whether $300,000 will be workable — maybe if you can make a large down payment.
How much is the payment on a $600,000, 30-year mortgage?
Exactly how much a $600,000 mortgage with a 30-year term will cost you monthly depends on the interest rate. At a rate of 6.00%, for example, you’d need to pay $3,597.30 a month. At 8.00%, the payment would jump to $4,402.59. This estimate includes principal and interest but not property taxes, insurance, or other fees.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
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.
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.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we 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.
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Free Georgia Home Mortgage Loan Calculator
Georgia Mortgage Calculator
By SoFi Editors | Updated September 24, 2025
When you’re looking for a home, understanding the impact that a specific mortgage will have on your monthly budget can be challenging. The Georgia mortgage calculator can help. By entering a few numbers — home price, down payment, interest rate, repayment term, and property tax rate — you can quickly and easily get an estimate of what your payments would look like every month.
Key Points
• Using a Georgia mortgage calculator can help you estimate monthly loan payments when you enter your home price, down payment, interest rate, loan term, and property tax rate.
• A higher down payment can reduce monthly mortgage payments and eliminate the need to pay private mortgage insurance (PMI).
• Components of a mortgage payment generally include principal and interest. Sometimes they may include property taxes, which this calculator can allow for. Other potential components are homeowners insurance, private mortgage insurance (PMI), and homeowners association (HOA) fees.
• Ways you may be able to lower your mortgage payments include dropping PMI once you have 20% equity in your home, considering mortgage recasting, and exploring down payment assistance programs, among other options.
• First-time homebuyer assistance programs in Georgia may be able to offer you help with your down payment costs.
Georgia Mortgage Calculator
Calculator Definitions
• Home price: This is the purchase price that you and the home seller have agreed upon after your negotiations. The figure will likely differ from both the initial listing price and your first offer on the property.
• Down payment: This is the amount that you, as the homebuyer, initially pay upfront on your home. It’s often expressed as a percentage of the total home price, and most buyers put down somewhere between 3% and 20%. There may be down payment assistance programs available that can help you pay for this expense.
• Loan term: This is the length of time you have to repay your home loan, usually 15 or 30 years. A 30-year mortgage offers lower monthly payments but also means you’ll pay more in interest over the entire loan period. A 15-year mortgage involves higher monthly payments but substantially reduces the total interest you’ll have to pay and lets you build equity faster.
• Interest rate: This is the cost of borrowing money and is expressed as a percentage of the total loan amount. The rate you’re offered depends on larger economic factors but also on your financial situation and history.
• Annual property tax: This is tax levied by local governments on land and buildings, based on their assessed value. This tax is an important factor in the overall cost of homeownership and should, ideally, be considered when you estimate mortgage costs. You can find your property tax rate by searching online for the town, county, or ZIP code where the property is located and “effective property tax rate.”
• Monthly payment: The monthly payment shown by the calculator includes the principal and interest components of your mortgage. This payment calculation can also factor in property taxes, if you have entered the tax rate.
• Total interest paid: The total interest paid represents the cumulative amount of interest you will pay over the entire life of the loan. This figure can be significantly influenced by the loan term length, the interest rate, and the size of your down payment.
• Total loan cost: The total loan cost represents the complete amount you will spend to repay the loan. This includes both the principal amount you borrowed and the accumulated interest over the life of your loan.
How to Use the Georgia Mortgage Calculator
Using this mortgage calculator is easy: Simply follow these step-by-step instructions. The calculator is free, and accessing it won’t change your credit score.
Step 1: Enter Your Home Price
Input the agreed-upon purchase price for the property.
Step 2: Select a Down Payment Amount
Choose the percentage of your home price that you plan to pay upfront. A higher down payment reduces your monthly mortgage payment and the total interest paid. A down payment calculator can help you select an option you’re comfortable with.
Step 3: Choose a Loan Term
Select the time period in which you will repay your loan, typically 15 or 30 years. A longer term means lower monthly payments but more interest over the life of the loan. A shorter term will result in higher monthly payments but cost you less in total interest.
Step 4: Enter an Interest Rate
Input the interest rate you want to the second or third decimal point to see its impact on your monthly payment and total loan cost. If you’re interested in purchasing a particularly expensive property, you may want to investigate what rates are likely to be available for a jumbo loan.
Step 5: Add in Your Annual Property Tax
Enter the percentage of your home value for annual property taxes. For example, if your rate is 0.75%, input 0.75.
Benefits of Using a Mortgage Payment Calculator
When you’re considering a home purchase, a mortgage calculator can help you assess just how much you can afford to pay. The Georgia mortgage rate calculator can estimate how much your monthly payments would be for a given mortgage amount, interest rate, and term. The tool can also help you compare different loan amounts and interest rates and see how much impact they might have on your monthly budget. Especially if you’re buying your first home, being able to quickly and easily compare and contrast the financial impact of mortgages can be invaluable.
Bear in mind that the Georgia mortgage calculator is designed for fixed-rate mortgages. If you choose a type of mortgage loan with a variable interest rate, you can still estimate your costs with this tool, but remember that the results will be less precise due to the fluctuations of a variable rate.
Recommended: The Cost of Living in the U.S.
Deciding How Much House You Can Afford
As of late 2025, the median sale price for a home in Georgia is about $382,000. To calculate how affordable that is, we’ll use the recommendation that lenders often use, which advises that a mortgage payment should be 28% or less of the homebuyer’s gross monthly income. If you take out a 30-year mortgage with an interest rate of 7.00% and put down 20%, your monthly payment will be about $2,033 for principal and interest. To afford this, you’d need to make about $87,000 annually. If you have a heavy debt load already, you may need to adjust this figure upward.
Another way to estimate how much you can afford to pay for a home is to use a home affordability calculator. Going through the mortgage preapproval process with one or more potential lenders can also give you a sense of how large a loan you can afford.
Components of a Mortgage Payment
When you make a mortgage payment, your money goes toward paying several different costs. The primary ones are the principal that you borrowed and the interest on the loan. Additionally, your payment may include charges for installments on your property tax (as in our Georgia Mortgage Calculator) and homeowners insurance. If you’ve paid less than 20% for your down payment, private mortgage insurance (PMI) may also be included, and if you belong to a homeowners association (HOA), those fees could be baked into your mortgage payment as well.
The type of mortgage loan you choose can impact these components. If you’re thinking about applying for an FHA loan — one that’s guaranteed by the Federal Housing Administration (FHA) — you may want to use an FHA mortgage calculator, which allows for that kind of loan’s mortgage insurance premium.
Similarly, a VA mortgage calculator can incorporate relevant fees if you’re looking at a loan backed by the U.S. Department of Veterans Affairs.
Current mortgage rates by state.
Compare current home interest rates by state and find a mortgage rate that suits your financial goals.
Select a state to view current rates:
Cost of Living in Georgia
While overall, the cost of living in Georgia is 7.50% below the national average — making it one of the best affordable places in the U.S. — different areas in the state may be more or less expensive to live in. You can see that in this breakdown of Georgia’s major metropolitan areas, according to the Council for Community and Economic Research’s Cost of Living Index (COLI). The COLI is measured on a scale in which 100 is the national average, and you’ll notice that although there is variation among the cities, they’re all lower than 100.
| Georgia Cities’ Cost-of-Living Stats | |
|---|---|
| Athens | 99.0 |
| Atlanta | 96.0 |
| Augusta-Aiken | 84.0 |
| Dalton | 87.0 |
| Douglasville-Douglas County | 92.4 |
| Dublin-Laurens County | 87.3 |
| Savannah | 93.8 |
| Statesboro-Bulloch County | 90.3 |
| Valdosta | 92.0 |
Run the numbers on your home loan.
-
Mortgage calculator
Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.
-
Down payment calculator
Enter a few details about your home loan and we’ll provide your monthly mortgage payment.
-
Home affordability calculator
Provide us with a few details and see how much you can afford to spend on a home purchase.
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.
Tips on Reducing Your Mortgage Payment
If you’re concerned about how large the mortgage payments are for the kind of house you’d like, take heart. These tips may help you lower your monthly payment amount.
• Drop private mortgage insurance (PMI) as soon as you have 20% equity in your home. You’ll need to request the cancellation from your lender.
• Consider mortgage recasting if you get a windfall that you can put toward principal. In this situation, you can ask your lender if they will reamortize your mortgage, which can lower monthly payments without changing your interest rate or loan term.
• Appeal your property taxes if you believe the assessment is too high. Be prepared to support your case by showing lower assessments of similar properties in your area.
• Explore down payment assistance programs, which often let repeat buyers qualify as first-time homebuyers, as long as they haven’t owned a primary residence within the last three years. A larger down payment can result in smaller monthly payments and help you avoid paying mortgage insurance.
• Lower costs on your homeowners insurance by increasing your deductible, bundling policies, or shopping around for a new policy altogether.
• Consider a mortgage refinance. If you already have a mortgage and rates drop or your credit improves, you may be able to score a better rate and lower payments.
Recommended: Average Monthly Expenses for One Person
Georgia First-Time Homebuyer Assistance Programs
If you’re buying your first home or if you haven’t owned a primary residence in the last three years, there may be financial help available through Georgia first-time homebuyer assistance programs. These programs provide assistance that can make home ownership more affordable. For example, the Georgia Dream Program offers competitive interest mortgages and down payment assistance, and some Georgia cities also provide down payment assistance programs. Explore these resources to find the right option for your needs.
The Takeaway
Using this Georgia mortgage calculator is a smart first step in your home-buying process. It helps you look at the big picture as well as the details, by letting you estimate your monthly payments for different mortgage options and showing you their long-term financial implications. Whether you’re a first-time homebuyer or a homeowner ready to refinance, the calculator can provide valuable insights to ensure you make a sound decision.
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.
FAQ
How does my credit score affect my mortgage loan interest rate?
Your credit score significantly affects your mortgage interest rate. A higher score can lead to more favorable rates, reducing the total cost of the loan. Conversely, a lower score may result in higher rates, increasing your monthly payments and the amount of interest you’ll need to pay over the life of the loan.
How much should I put down on a mortgage?
Your down payment is an important factor in determining your monthly mortgage payment and overall loan cost. The minimum down payment varies by loan type, with conventional loans requiring as little as 3%. However, putting down a 20% down payment can help you avoid paying private mortgage insurance (PMI).
Should I choose a 30-year or 15-year mortgage term?
Whether a 30-year or a 15-year mortgage is preferable depends on your financial goals and budget. A 30-year term offers lower monthly payments but costs you more in interest, while a 15-year term means higher payments but reduces total interest paid and builds equity faster.
How can I get a lower mortgage interest rate?
There are a number of ways you may be able to get a lower mortgage interest rate: Try strengthening your credit score, save up for a larger down payment, or shop around with multiple lenders to find the best rates.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
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.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
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.
SOHL-Q325-082
Get prequalified in minutes for a SoFi Home Loan.
Free Alabama Home Mortgage Loan Calculator
Alabama Mortgage Calculator
By SoFi Editors | Updated September 22, 2025
Home buying can seem overwhelming. Our mortgage calculator can help. By inputting just a few simple numbers, you can find out how much house you can afford, which is invaluable information during your home search. Let’s take a closer look.
Key Points
• This Alabama mortgage calculator helps homebuyers determine how much house they can afford by entering a few simple numbers.
• The calculator requires inputs such as home price, down payment amount, loan term, interest rate, and property tax rate to estimate monthly mortgage payments.
• Lenders prefer mortgage payments to be no more than 28% of a homebuyer’s gross monthly income.
• Mortgage payments typically include principal and interest, and sometimes they may also cover property taxes and homeowners insurance. Private mortgage insurance (PMI) or homeowners association (HOA) fees may be included, too, if they’re relevant.
• There are a variety of ways you may be able to reduce mortgage payments, including mortgage recasting, appealing high property taxes, and refinancing to a lower rate, among others.
• First-time homebuyers in Alabama can access assistance programs through the Alabama Housing Finance Authority.
Alabama Mortgage Calculator
Calculator Definitions
• Home price: This is the purchase price you’ve agreed to with the home’s seller. This figure may differ from the listing price and from your first offer.
• Down payment: The down payment is the amount you pay upfront, typically expressed as a percentage of the total purchase price. Most buyers put down between 3% and 20%. Depending on what’s available in your area, down payment assistance programs may assist you with this expense.
• Loan term: This is the length of time you have to repay your mortgage, usually 15 or 30 years. A longer term means smaller monthly payments, but you’ll pay more interest over the life of the loan. A shorter term requires higher payments but costs less overall.
• Interest rate: This is essentially the cost of borrowing money from a lender, expressed as a percentage of the loan amount.
• Annual property tax: This is tax levied by local governments on land and buildings, and it’s expressed as a percentage of the property’s assessed value. While property taxes vary among counties, in Alabama, the effective property tax overall is 0.36%, which is the 49th lowest in the country. Find your specific property tax rate by searching online for the town, county, or ZIP code where the property is located and “effective property tax rate.”
• Monthly payment: This is the amount you pay to your lender each month. It includes money toward the principal loan amount and interest, but also may include funds toward your property tax, which this calculator can allow for if you enter your tax rate. Your payment might also potentially cover homeowners insurance. homeowners association (HOA) fees, and private mortgage insurance (PMI) if your equity level is under 20%.
• Interest paid: This is the total amount of interest you pay over the length of the loan.
• Total loan cost: This is the entire amount that you pay for the loan, encompassing both the original principal and the interest charges over the lifespan of the loan.
How to Use the Alabama Mortgage Calculator
Welcome to SoFi’s free mortgage calculator for Alabama. Here’s a step-by-step explanation of how to use this helpful tool. It won’t affect your credit score, and it takes only minutes.
Step 1: Enter Your Home Price
Input the final home price that you and the seller agreed you will pay for the property.
Step 2: Select a Down Payment Amount
Choose the percentage of the home price that you want to pay upfront. Bear in mind that different types of mortgage loans have different requirements.
Step 3: Choose a Loan Term
Select the length of time over which you want to repay your home loan. Most mortgages carry a 30-year or 15-year term.
Step 4: Enter an Interest Rate
Input the interest rate that you’re hoping for to the second or third decimal point — e.g., 6.74%.
Step 5: Add Your Annual Property Tax Rate
Enter the percentage that represents what property tax is each year in the area where the property is located. For example, if the rate is 0.36%, you’d enter 0.36.
Benefits of Using a Mortgage Payment Calculator
Choosing a mortgage can be daunting, especially if you’re buying your first home. A mortgage calculator can help you in several ways, even before you start the mortgage preapproval process.
First of all, by entering a few factors like the amount, length, and interest rate of a loan, you can calculate what your monthly payments would be. But you can also use it to compare costs. For instance, you can try different interest rates to see what impact they have on monthly payments and overall cost. Or you can compare a 30-year term with a 15-year term to see which might make more sense for you. And you can see how the size of your down payment might influence your payments.
In all these ways, this free tool can help you understand the affordability of different loans and navigate mortgage options effectively as you search for your dream home.
Deciding How Much House You Can Afford in Alabama
The good news is that in Alabama, the median list price for a home is about $328,500, as of late 2025, meaning you’re unlikely to need a jumbo loan. Lenders usually prefer that your mortgage payments are no more than 28% of your gross monthly income. Using this rubric, if you buy a $328,500 home with a 20% down payment ($65,700) and a 30-year mortgage at a 7.00% interest rate, your monthly payment would be $1,748 and you’d need a minimum annual income of about $75,000.
This example assumes you have no other substantial debts. If you’re paying down student loans, an auto loan, or credit card bills, your buying power would be reduced. You’ll also need to budget for added housing costs like property tax, homeowners insurance, and possibly HOA fees.
It’s also worth trying a home affordability calculator to get an estimate of how much house your income will let you afford.
Recommended: Average Monthly Expenses for One Person
Current mortgage rates by state.
Compare current home interest rates by state and find a mortgage rate that suits your financial goals.
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Components of a Mortgage Payment
Mortgage principal and interest are the core costs in your mortgage payment. This calculator can also factor in your property taxes, which are likely to be part of your total monthly payment obligation, too. Other elements that might be included in your monthly payment are your homeowners insurance, private mortgage insurance (PMI), and homeowners association (HOA) fees.
If you’re considering a loan backed by the Federal Housing Administration (FHA), an FHA mortgage calculator will automatically factor in your ongoing monthly mortgage insurance premium, providing a more comprehensive view of your total monthly housing costs and financial obligations.
Similarly, if you’re taking out a loan backed by the Veterans Administration (VA), a VA mortgage calculator can take your VA funding fee into account.
Cost of Living in Alabama
The cost of living in your area can profoundly affect how much you can afford. With an overall cost of living more than 11% below the national average, Alabama is generally one of the best affordable places in the U.S.
Below is a breakdown of the specific cost of living in Alabama’s major metropolitan areas, according to the Council for Community and Economic Research’s Cost of Living Index (COLI). The COLI is measured on a scale on which 100 is the national average, and as you can see, all of these cities have lower costs of living.
| Alabama Cities’ Cost-of-Living Stats | |
|---|---|
| Anniston-Calhoun County | 84.8 |
| Auburn-Opelika | 92.7 |
| Birmingham | 91.8 |
| Decatur-Hartselle | 84.3 |
| Dothan | 87.3 |
| Florence | 83.5 |
| Huntsville | 90;8 |
| Montgomery | 88.8 |
Recommended: The Cost of Living in the U.S.
Run the numbers on your home loan.
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Mortgage calculator
Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.
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Down payment calculator
Enter a few details about your home loan and we’ll provide your monthly mortgage payment.
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Home affordability calculator
Provide us with a few details and see how much you can afford to spend on a home purchase.
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.
Tips on Reducing Your Mortgage Payment
If you’ve explored your options with the mortgage calculator and are concerned about your ability to afford your desired home, don’t despair. There are some steps you can take that may help reduce your payment.
• Dropping private mortgage insurance (PMI), if you have it, is an option once you’ve reached 20% equity in your home. You will need to make the request to your lender at this point, but once you reach 22%, PMI should automatically be removed.
• Mortgage recasting involves paying a large lump sum toward your principal and then asking your lender to reamortize your loan, while keeping the interest rate and term the same, resulting in lower payments. If you get a windfall, this could be a good way to spend it.
• Appeal overly high property taxes by contacting your local tax authority. Be prepared to show evidence that your home is valued too high, such as comparable homes in your area that were assessed at lower amounts.
• Refinancing to a lower rate or longer loan term can potentially reduce your monthly payments. Remember that a mortgage refinance usually requires you to pay closing costs again, however.
• Explore down payment assistance options, because the larger your down payment, the lower your monthly payments are likely to be. Especially if the assistance is in the form of a grant, these options can be very helpful and potentially let you avoid PMI.
• Shop for cheaper homeowners insurance. This can include finding a new insurer with more competitive rates, raising your deductible, or bundling your insurance policies to get a discount.
Alabama First-Time Homebuyer Assistance Programs
If you’re considering buying your first home, there may be assistance available to help you achieve your dream. And if you’re a repeat buyer but haven’t owned a primary residence within three years, you may also be eligible. The Alabama Housing FInance Authority offers a variety of programs which provide mortgages with competitive interest rates, as well as down payment and closing costs assistance to help aspiring homebuyers cover the initial costs of purchasing a home. These programs can make homeownership more accessible and substantially reduce the financial burdens often associated with entering the housing market.
Recommended: Do You Qualify as a First-Time Homebuyer?
The Takeaway
If you’re shopping for a home in Alabama, a mortgage calculator is an important tool. Using one can help you estimate your monthly payments and total interest costs for different loans so that you can make informed decisions about how much house you can realistically afford. This will let you better plan your overall financial future and successfully navigate the complexities of homeownership.
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.
FAQ
What is a mortgage payment?
A mortgage payment is the amount of money you pay your mortgage servicer every month, and it typically goes toward your home loan principal and interest, though it may also cover property taxes, homeowners insurance costs, private mortgage insurance (PMI), and/or homeowners association (HOA) fees if required by your lender.
What are principal and interest on a mortgage loan?
The principal is the amount of money you initially borrowed for your mortgage, while the interest is what the lender charges you to borrow that principal.
Should I choose a 30-year or 15-year mortgage term?
If you can comfortably afford the payments on a 15-year mortgage and you already have retirement savings and an emergency fund, the shorter term will save you money, since you will be paying less in overall interest costs. A 30-year mortgage will cost you less per month, but will last twice as long and cost significantly more in total interest.
How can I get a lower mortgage interest rate?
To secure a lower mortgage interest rate, you can improve your credit score, shop around for the best rates, and/or negotiate terms with potential lenders.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
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.
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.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we 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.
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Liz Looks At: Echoes of the Past
Step and Repeat
I didn’t like history as a teenager, which was ironic because my dad was a high school history teacher. I didn’t see the allure in learning about a bunch of old wars or fallen empires. Shouldn’t we focus on the empires that were still standing? Or the wars that are happening now?
Then I entered the world of finance and realized that history is often our best teacher. Investors tend to refer to history for warnings of where the next threat could be hiding, but in the case of this rally, perhaps we should look to history for indications of how long it could last.
We’ve all heard stats on the current extended state of the market: Valuations on the S&P are in the 95th percentile, the Buffett indicator is at all-time highs, technology spending as a % of GDP is above that of the dot-com bubble, and the list goes on. However, as the famous quote goes, “Bull markets don’t die of old age.” That’s not where the quote ends, but we’ll get to the rest of it later.
The most natural historical comparison we can make is to the internet era of the 1990s, when hype was building and investors believed the world would never be the same. Markets were right, the world would change dramatically because of the internet, it just took longer than we expected and stocks went through a rationalization phase before we understood the full story.
The big questions are: Will the AI era follow a similar path? If so, where are we on that timeline right now?
Starting with a simple comparison of the S&P 500 then and now, we see some fascinating parallels. In the chart below, light blue is the internet era and dark blue is the present. Both time periods begin in the year when the Fed started a rate hike cycle in response to a strong or overheating economy. And in both periods, markets stumbled a bit as investors digested more hawkish monetary policy.
S&P 500: Then and Now
So far, the paths look pretty darn similar, even including the drawdowns that occurred in April 1997 and April of this year. The clearest takeaway here is if the two cycles do end up resembling each other, we’ve still got some runway before this market rally loses steam.
On a historical chart like this, it’s easy to look at the whole period as a relatively smooth bull market, but living it day-to-day probably didn’t feel that way, especially during those intermittent periods of pullbacks. For example, a quick search for “market headlines in 1998” brought this up from the New York Times: “Sell-Off Pushes Index Below 7,600 And Wipes Out All Gains for 1998: Dow Drops 500 in Market Frenzy.” Investors weren’t feeling very confident in the rally at that point, but the market continued to rise another 60% until it topped in early 2000.
Every pullback in the midst of these long rallies feels like it might be the one that ends it, but it’s not over till it’s over.
Cue the Fed
Technology isn’t the only market story in these scenarios though, the Fed is another major player in both periods. Last week’s rate cut can be considered an “adjustment cut,” meaning Fed officials cut rates because they could, not because they had to. There is no crisis, the economy isn’t contracting. The message is that things are slowing down and it’s appropriate to move the fed funds rate closer to neutral.
The story was the same in 1995 when Fed cuts began and progressed in a slow and careful fashion. There was even a long pause in the cuts (perhaps similar to the pause we just experienced from December 2024 until September 2025). During the cuts and the pauses from 1995 through mid-1999, the market continued to rally. Sound familiar?
More interestingly, the Fed started hiking rates again in 1999, taking the fed funds rate from an upper bound of 5.0% to 6.5% by May 2000… and the market still kept rallying!
The Internet Era
This made us curious about how similar the sector composition looked then versus now. We know that in both instances, technology stocks were/are the darlings. We also know that technology companies didn’t have nearly the size and scale in the 90s that they do today. But the data tracking the growth of tech over both periods is remarkable.
Tech went from 6% of the index before the internet boom to 35% of the index at the 2000 top, largely because many new tech companies were added to the S&P 500 as they grew. That’s growth so large I almost can’t wrap my head around it. In the current period, tech stocks were already at 27% of the index before AI became the theme du jour, and the sector has grown to be 34% of the index today. If we add in the four Mag 7 stocks that aren’t in the tech sector (Alphabet, Amazon, Meta, Tesla), that percentage moves to 49%. Staggering? Yes. Over? Perhaps not.
Interestingly, although we talk about the dot-com period being solely driven by tech stocks, the proportion of returns tells a different story. Tech as a sector only accounted for roughly 24% of the S&P 500’s total return during that period, while in the AI era, tech stocks account for more than half of the S&P’s total return. Today’s market is more concentrated than the one of the 90s by this metric, which can present more risk, but also more opportunity for other sectors to step into the limelight if the economy remains solid.
Contributions to S&P 500 Total Returns
Here’s where the rest of that famous quote comes in: “Bull markets don’t die of old age, but rather they’re killed by the Federal Reserve.”
We can see in the chart of the internet era above that although markets rallied through the Fed hikes in 1999 and 2000, things took a turn for the worse shortly afterward. To be fair, the Fed wasn’t the full or even the main reason stocks fell sharply starting in 2000. The backdrop was that of a major speculative bubble in tech stocks, and the beginning of investors withdrawing capital. But paired with said speculative bubble was an economy that looked to be overheating as the exuberance drove inflation concerns and wage pressures.
The Fed is responsible for maintaining stable prices and maximum employment. Often, their dual mandate rings alarm bells that coincide with periods of sharp increases or decreases in financial markets — It’s all related.
I am a firm believer in the business cycle, and a firm opponent of a “this time is different” mentality. But even with those principles intact, the parallels between then and now suggest that this rally, the AI hype, and economic strength may still be relatively young. It also suggests that Fed rate hikes may not be the kryptonite we’ve made them out to be… at least not right away.
We won’t know how this all shakes out until it’s over, but for now, it’s hard to envision it stopping in the near- or medium-term. Sometimes all-time highs just continue begetting more all-time highs. Be prudently present for that possibility.
Want more insights from Liz? The Important Part: Investing With Liz Thomas, a podcast from SoFi, takes listeners through today’s top-of-mind themes in investing and breaks them down into digestible and actionable pieces.
SoFi can’t guarantee future financial performance, and past performance is no indication of future success. This information isn’t financial advice. Investment decisions should be based on specific financial needs, goals and risk appetite.
Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. Liz Thomas is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Form ADV 2A is available at www.sofi.com/legal/adv.
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5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 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st_of_discount_points":"5187.46","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":"3884.00","offer_10_years_rate":"5.250","offer_10_years_apr":"5.778","offer_10_years_discount_points":"1.482","offer_10_years_cost_of_discount_points":"5364.84","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":"2321.95","offer_26_years_rate":"6.125","offer_26_years_apr":"6.356","offer_26_years_discount_points":"1.297","offer_26_years_cost_of_discount_points":"4695.14","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":"2287.16","offer_27_years_rate":"6.125","offer_27_years_apr":"6.350","offer_27_years_discount_points":"1.297","offer_27_years_cost_of_discount_points":"4695.14","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":"2255.37","offer_28_years_rate":"6.125","offer_28_years_apr":"6.344","offer_28_years_discount_points":"1.297","offer_28_years_cost_of_discount_points":"4695.14","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":"2226.26","offer_29_years_rate":"6.125","offer_29_years_apr":"6.339","offer_29_years_discount_points":"1.297","offer_29_years_cost_of_discount_points":"4695.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.521","offer_5/6_arm_discount_points":"1.559","offer_5/6_arm_cost_of_discount_points":"5643.58","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.455","offer_7/6_arm_discount_points":"1.561","offer_7/6_arm_cost_of_discount_points":"5650.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2141.00","offer_10/6_arm_rate":"5.875","offer_10/6_arm_apr":"6.388","offer_10/6_arm_discount_points":"1.468","offer_10/6_arm_cost_of_discount_points":"5314.16","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":"2025-12-12"}.offer_10_years_rate}%`}, LTV 80% is $3884.00 for full Principal and Interest Payments with $5364.84 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.108","offer_30_year_fixed_fha_discount_points":"1.479","offer_30_year_fixed_fha_cost_of_discount_points":"5353.98","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":"6.345","offer_20_year_fixed_fha_discount_points":"1.734","offer_20_year_fixed_fha_cost_of_discount_points":"6277.08","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":"5.771","offer_15_year_fixed_fha_discount_points":"1.437","offer_15_year_fixed_fha_cost_of_discount_points":"5201.94","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":"6.048","offer_10_year_fixed_fha_discount_points":"1.437","offer_10_year_fixed_fha_cost_of_discount_points":"5201.94","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2052.00","offer_30_year_fixed_va_rate":"5.375","offer_30_year_fixed_va_apr":"5.648","offer_30_year_fixed_va_discount_points":"1.267","offer_30_year_fixed_va_cost_of_discount_points":"4586.54","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":"5.754","offer_20_year_fixed_va_discount_points":"1.362","offer_20_year_fixed_va_cost_of_discount_points":"4930.44","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":"5.381","offer_15_year_fixed_va_discount_points":"1.575","offer_15_year_fixed_va_cost_of_discount_points":"5701.50","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":"5.599","offer_10_year_fixed_va_discount_points":"1.575","offer_10_year_fixed_va_cost_of_discount_points":"5701.50","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2200.00","offer_30_years_rate":"6.125","offer_30_years_apr":"6.335","offer_30_years_discount_points":"1.297","offer_30_years_cost_of_discount_points":"4695.14","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":"2360.00","offer_25_years_rate":"6.125","offer_25_years_apr":"6.368","offer_25_years_discount_points":"1.355","offer_25_years_cost_of_discount_points":"4905.10","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":"2591.00","offer_20_years_rate":"5.990","offer_20_years_apr":"6.276","offer_20_years_discount_points":"1.368","offer_20_years_cost_of_discount_points":"4952.16","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":"2910.00","offer_15_years_rate":"5.250","offer_15_years_apr":"5.612","offer_15_years_discount_points":"1.433","offer_15_years_cost_of_discount_points":"5187.46","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":"3884.00","offer_10_years_rate":"5.250","offer_10_years_apr":"5.778","offer_10_years_discount_points":"1.482","offer_10_years_cost_of_discount_points":"5364.84","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":"2321.95","offer_26_years_rate":"6.125","offer_26_years_apr":"6.356","offer_26_years_discount_points":"1.297","offer_26_years_cost_of_discount_points":"4695.14","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":"2287.16","offer_27_years_rate":"6.125","offer_27_years_apr":"6.350","offer_27_years_discount_points":"1.297","offer_27_years_cost_of_discount_points":"4695.14","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":"2255.37","offer_28_years_rate":"6.125","offer_28_years_apr":"6.344","offer_28_years_discount_points":"1.297","offer_28_years_cost_of_discount_points":"4695.14","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":"2226.26","offer_29_years_rate":"6.125","offer_29_years_apr":"6.339","offer_29_years_discount_points":"1.297","offer_29_years_cost_of_discount_points":"4695.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.521","offer_5/6_arm_discount_points":"1.559","offer_5/6_arm_cost_of_discount_points":"5643.58","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.455","offer_7/6_arm_discount_points":"1.561","offer_7/6_arm_cost_of_discount_points":"5650.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2141.00","offer_10/6_arm_rate":"5.875","offer_10/6_arm_apr":"6.388","offer_10/6_arm_discount_points":"1.468","offer_10/6_arm_cost_of_discount_points":"5314.16","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":"2025-12-12"}.offer_10_years_apr}%`}%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
6 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.108","offer_30_year_fixed_fha_discount_points":"1.479","offer_30_year_fixed_fha_cost_of_discount_points":"5353.98","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":"6.345","offer_20_year_fixed_fha_discount_points":"1.734","offer_20_year_fixed_fha_cost_of_discount_points":"6277.08","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":"5.771","offer_15_year_fixed_fha_discount_points":"1.437","offer_15_year_fixed_fha_cost_of_discount_points":"5201.94","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":"6.048","offer_10_year_fixed_fha_discount_points":"1.437","offer_10_year_fixed_fha_cost_of_discount_points":"5201.94","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2052.00","offer_30_year_fixed_va_rate":"5.375","offer_30_year_fixed_va_apr":"5.648","offer_30_year_fixed_va_discount_points":"1.267","offer_30_year_fixed_va_cost_of_discount_points":"4586.54","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":"5.754","offer_20_year_fixed_va_discount_points":"1.362","offer_20_year_fixed_va_cost_of_discount_points":"4930.44","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":"5.381","offer_15_year_fixed_va_discount_points":"1.575","offer_15_year_fixed_va_cost_of_discount_points":"5701.50","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":"5.599","offer_10_year_fixed_va_discount_points":"1.575","offer_10_year_fixed_va_cost_of_discount_points":"5701.50","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2200.00","offer_30_years_rate":"6.125","offer_30_years_apr":"6.335","offer_30_years_discount_points":"1.297","offer_30_years_cost_of_discount_points":"4695.14","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":"2360.00","offer_25_years_rate":"6.125","offer_25_years_apr":"6.368","offer_25_years_discount_points":"1.355","offer_25_years_cost_of_discount_points":"4905.10","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":"2591.00","offer_20_years_rate":"5.990","offer_20_years_apr":"6.276","offer_20_years_discount_points":"1.368","offer_20_years_cost_of_discount_points":"4952.16","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":"2910.00","offer_15_years_rate":"5.250","offer_15_years_apr":"5.612","offer_15_years_discount_points":"1.433","offer_15_years_cost_of_discount_points":"5187.46","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":"3884.00","offer_10_years_rate":"5.250","offer_10_years_apr":"5.778","offer_10_years_discount_points":"1.482","offer_10_years_cost_of_discount_points":"5364.84","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":"2321.95","offer_26_years_rate":"6.125","offer_26_years_apr":"6.356","offer_26_years_discount_points":"1.297","offer_26_years_cost_of_discount_points":"4695.14","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":"2287.16","offer_27_years_rate":"6.125","offer_27_years_apr":"6.350","offer_27_years_discount_points":"1.297","offer_27_years_cost_of_discount_points":"4695.14","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":"2255.37","offer_28_years_rate":"6.125","offer_28_years_apr":"6.344","offer_28_years_discount_points":"1.297","offer_28_years_cost_of_discount_points":"4695.14","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":"2226.26","offer_29_years_rate":"6.125","offer_29_years_apr":"6.339","offer_29_years_discount_points":"1.297","offer_29_years_cost_of_discount_points":"4695.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.521","offer_5/6_arm_discount_points":"1.559","offer_5/6_arm_cost_of_discount_points":"5643.58","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.455","offer_7/6_arm_discount_points":"1.561","offer_7/6_arm_cost_of_discount_points":"5650.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2141.00","offer_10/6_arm_rate":"5.875","offer_10/6_arm_apr":"6.388","offer_10/6_arm_discount_points":"1.468","offer_10/6_arm_cost_of_discount_points":"5314.16","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":"2025-12-12"}.offer_15_years_rate}%`}, LTV 80% is $2910.00 for full Principal and Interest Payments with $5187.46 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.108","offer_30_year_fixed_fha_discount_points":"1.479","offer_30_year_fixed_fha_cost_of_discount_points":"5353.98","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":"6.345","offer_20_year_fixed_fha_discount_points":"1.734","offer_20_year_fixed_fha_cost_of_discount_points":"6277.08","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":"5.771","offer_15_year_fixed_fha_discount_points":"1.437","offer_15_year_fixed_fha_cost_of_discount_points":"5201.94","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":"6.048","offer_10_year_fixed_fha_discount_points":"1.437","offer_10_year_fixed_fha_cost_of_discount_points":"5201.94","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2052.00","offer_30_year_fixed_va_rate":"5.375","offer_30_year_fixed_va_apr":"5.648","offer_30_year_fixed_va_discount_points":"1.267","offer_30_year_fixed_va_cost_of_discount_points":"4586.54","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":"5.754","offer_20_year_fixed_va_discount_points":"1.362","offer_20_year_fixed_va_cost_of_discount_points":"4930.44","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":"5.381","offer_15_year_fixed_va_discount_points":"1.575","offer_15_year_fixed_va_cost_of_discount_points":"5701.50","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":"5.599","offer_10_year_fixed_va_discount_points":"1.575","offer_10_year_fixed_va_cost_of_discount_points":"5701.50","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2200.00","offer_30_years_rate":"6.125","offer_30_years_apr":"6.335","offer_30_years_discount_points":"1.297","offer_30_years_cost_of_discount_points":"4695.14","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":"2360.00","offer_25_years_rate":"6.125","offer_25_years_apr":"6.368","offer_25_years_discount_points":"1.355","offer_25_years_cost_of_discount_points":"4905.10","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":"2591.00","offer_20_years_rate":"5.990","offer_20_years_apr":"6.276","offer_20_years_discount_points":"1.368","offer_20_years_cost_of_discount_points":"4952.16","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":"2910.00","offer_15_years_rate":"5.250","offer_15_years_apr":"5.612","offer_15_years_discount_points":"1.433","offer_15_years_cost_of_discount_points":"5187.46","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":"3884.00","offer_10_years_rate":"5.250","offer_10_years_apr":"5.778","offer_10_years_discount_points":"1.482","offer_10_years_cost_of_discount_points":"5364.84","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":"2321.95","offer_26_years_rate":"6.125","offer_26_years_apr":"6.356","offer_26_years_discount_points":"1.297","offer_26_years_cost_of_discount_points":"4695.14","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":"2287.16","offer_27_years_rate":"6.125","offer_27_years_apr":"6.350","offer_27_years_discount_points":"1.297","offer_27_years_cost_of_discount_points":"4695.14","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":"2255.37","offer_28_years_rate":"6.125","offer_28_years_apr":"6.344","offer_28_years_discount_points":"1.297","offer_28_years_cost_of_discount_points":"4695.14","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":"2226.26","offer_29_years_rate":"6.125","offer_29_years_apr":"6.339","offer_29_years_discount_points":"1.297","offer_29_years_cost_of_discount_points":"4695.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.521","offer_5/6_arm_discount_points":"1.559","offer_5/6_arm_cost_of_discount_points":"5643.58","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.455","offer_7/6_arm_discount_points":"1.561","offer_7/6_arm_cost_of_discount_points":"5650.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2141.00","offer_10/6_arm_rate":"5.875","offer_10/6_arm_apr":"6.388","offer_10/6_arm_discount_points":"1.468","offer_10/6_arm_cost_of_discount_points":"5314.16","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":"2025-12-12"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
7 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.108","offer_30_year_fixed_fha_discount_points":"1.479","offer_30_year_fixed_fha_cost_of_discount_points":"5353.98","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":"6.345","offer_20_year_fixed_fha_discount_points":"1.734","offer_20_year_fixed_fha_cost_of_discount_points":"6277.08","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":"5.771","offer_15_year_fixed_fha_discount_points":"1.437","offer_15_year_fixed_fha_cost_of_discount_points":"5201.94","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":"6.048","offer_10_year_fixed_fha_discount_points":"1.437","offer_10_year_fixed_fha_cost_of_discount_points":"5201.94","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2052.00","offer_30_year_fixed_va_rate":"5.375","offer_30_year_fixed_va_apr":"5.648","offer_30_year_fixed_va_discount_points":"1.267","offer_30_year_fixed_va_cost_of_discount_points":"4586.54","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":"5.754","offer_20_year_fixed_va_discount_points":"1.362","offer_20_year_fixed_va_cost_of_discount_points":"4930.44","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":"5.381","offer_15_year_fixed_va_discount_points":"1.575","offer_15_year_fixed_va_cost_of_discount_points":"5701.50","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":"5.599","offer_10_year_fixed_va_discount_points":"1.575","offer_10_year_fixed_va_cost_of_discount_points":"5701.50","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2200.00","offer_30_years_rate":"6.125","offer_30_years_apr":"6.335","offer_30_years_discount_points":"1.297","offer_30_years_cost_of_discount_points":"4695.14","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":"2360.00","offer_25_years_rate":"6.125","offer_25_years_apr":"6.368","offer_25_years_discount_points":"1.355","offer_25_years_cost_of_discount_points":"4905.10","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":"2591.00","offer_20_years_rate":"5.990","offer_20_years_apr":"6.276","offer_20_years_discount_points":"1.368","offer_20_years_cost_of_discount_points":"4952.16","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":"2910.00","offer_15_years_rate":"5.250","offer_15_years_apr":"5.612","offer_15_years_discount_points":"1.433","offer_15_years_cost_of_discount_points":"5187.46","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":"3884.00","offer_10_years_rate":"5.250","offer_10_years_apr":"5.778","offer_10_years_discount_points":"1.482","offer_10_years_cost_of_discount_points":"5364.84","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":"2321.95","offer_26_years_rate":"6.125","offer_26_years_apr":"6.356","offer_26_years_discount_points":"1.297","offer_26_years_cost_of_discount_points":"4695.14","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":"2287.16","offer_27_years_rate":"6.125","offer_27_years_apr":"6.350","offer_27_years_discount_points":"1.297","offer_27_years_cost_of_discount_points":"4695.14","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":"2255.37","offer_28_years_rate":"6.125","offer_28_years_apr":"6.344","offer_28_years_discount_points":"1.297","offer_28_years_cost_of_discount_points":"4695.14","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":"2226.26","offer_29_years_rate":"6.125","offer_29_years_apr":"6.339","offer_29_years_discount_points":"1.297","offer_29_years_cost_of_discount_points":"4695.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.521","offer_5/6_arm_discount_points":"1.559","offer_5/6_arm_cost_of_discount_points":"5643.58","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.455","offer_7/6_arm_discount_points":"1.561","offer_7/6_arm_cost_of_discount_points":"5650.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2141.00","offer_10/6_arm_rate":"5.875","offer_10/6_arm_apr":"6.388","offer_10/6_arm_discount_points":"1.468","offer_10/6_arm_cost_of_discount_points":"5314.16","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":"2025-12-12"}.offer_20_years_rate}%`}, LTV 80% is $2591.00 for full Principal and Interest Payments with $4952.16 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.108","offer_30_year_fixed_fha_discount_points":"1.479","offer_30_year_fixed_fha_cost_of_discount_points":"5353.98","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":"6.345","offer_20_year_fixed_fha_discount_points":"1.734","offer_20_year_fixed_fha_cost_of_discount_points":"6277.08","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":"5.771","offer_15_year_fixed_fha_discount_points":"1.437","offer_15_year_fixed_fha_cost_of_discount_points":"5201.94","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":"6.048","offer_10_year_fixed_fha_discount_points":"1.437","offer_10_year_fixed_fha_cost_of_discount_points":"5201.94","offer_10_year_fixed_fha_total_fee_amount":"5792.20","offer_10_year_fixed_fha_property_value":"452500.00","offer_10_year_fixed_fha_loan_amount":"362000.00","offer_10_year_fixed_fha_upfront_mortgage_insurance":"6335.00","offer_30_year_fixed_va_principal_and_interest":"2052.00","offer_30_year_fixed_va_rate":"5.375","offer_30_year_fixed_va_apr":"5.648","offer_30_year_fixed_va_discount_points":"1.267","offer_30_year_fixed_va_cost_of_discount_points":"4586.54","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":"5.754","offer_20_year_fixed_va_discount_points":"1.362","offer_20_year_fixed_va_cost_of_discount_points":"4930.44","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":"5.381","offer_15_year_fixed_va_discount_points":"1.575","offer_15_year_fixed_va_cost_of_discount_points":"5701.50","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":"5.599","offer_10_year_fixed_va_discount_points":"1.575","offer_10_year_fixed_va_cost_of_discount_points":"5701.50","offer_10_year_fixed_va_total_fee_amount":"4297.20","offer_10_year_fixed_va_property_value":"452500.00","offer_10_year_fixed_va_loan_amount":"362000.00","offer_10_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_30_years_principal_and_interest":"2200.00","offer_30_years_rate":"6.125","offer_30_years_apr":"6.335","offer_30_years_discount_points":"1.297","offer_30_years_cost_of_discount_points":"4695.14","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":"2360.00","offer_25_years_rate":"6.125","offer_25_years_apr":"6.368","offer_25_years_discount_points":"1.355","offer_25_years_cost_of_discount_points":"4905.10","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":"2591.00","offer_20_years_rate":"5.990","offer_20_years_apr":"6.276","offer_20_years_discount_points":"1.368","offer_20_years_cost_of_discount_points":"4952.16","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":"2910.00","offer_15_years_rate":"5.250","offer_15_years_apr":"5.612","offer_15_years_discount_points":"1.433","offer_15_years_cost_of_discount_points":"5187.46","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":"3884.00","offer_10_years_rate":"5.250","offer_10_years_apr":"5.778","offer_10_years_discount_points":"1.482","offer_10_years_cost_of_discount_points":"5364.84","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":"2321.95","offer_26_years_rate":"6.125","offer_26_years_apr":"6.356","offer_26_years_discount_points":"1.297","offer_26_years_cost_of_discount_points":"4695.14","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":"2287.16","offer_27_years_rate":"6.125","offer_27_years_apr":"6.350","offer_27_years_discount_points":"1.297","offer_27_years_cost_of_discount_points":"4695.14","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":"2255.37","offer_28_years_rate":"6.125","offer_28_years_apr":"6.344","offer_28_years_discount_points":"1.297","offer_28_years_cost_of_discount_points":"4695.14","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":"2226.26","offer_29_years_rate":"6.125","offer_29_years_apr":"6.339","offer_29_years_discount_points":"1.297","offer_29_years_cost_of_discount_points":"4695.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.521","offer_5/6_arm_discount_points":"1.559","offer_5/6_arm_cost_of_discount_points":"5643.58","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.455","offer_7/6_arm_discount_points":"1.561","offer_7/6_arm_cost_of_discount_points":"5650.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2141.00","offer_10/6_arm_rate":"5.875","offer_10/6_arm_apr":"6.388","offer_10/6_arm_discount_points":"1.468","offer_10/6_arm_cost_of_discount_points":"5314.16","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":"2025-12-12"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
8 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 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st_of_discount_points":"5187.46","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":"3884.00","offer_10_years_rate":"5.250","offer_10_years_apr":"5.778","offer_10_years_discount_points":"1.482","offer_10_years_cost_of_discount_points":"5364.84","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":"2321.95","offer_26_years_rate":"6.125","offer_26_years_apr":"6.356","offer_26_years_discount_points":"1.297","offer_26_years_cost_of_discount_points":"4695.14","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":"2287.16","offer_27_years_rate":"6.125","offer_27_years_apr":"6.350","offer_27_years_discount_points":"1.297","offer_27_years_cost_of_discount_points":"4695.14","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":"2255.37","offer_28_years_rate":"6.125","offer_28_years_apr":"6.344","offer_28_years_discount_points":"1.297","offer_28_years_cost_of_discount_points":"4695.14","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":"2226.26","offer_29_years_rate":"6.125","offer_29_years_apr":"6.339","offer_29_years_discount_points":"1.297","offer_29_years_cost_of_discount_points":"4695.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.521","offer_5/6_arm_discount_points":"1.559","offer_5/6_arm_cost_of_discount_points":"5643.58","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.455","offer_7/6_arm_discount_points":"1.561","offer_7/6_arm_cost_of_discount_points":"5650.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2141.00","offer_10/6_arm_rate":"5.875","offer_10/6_arm_apr":"6.388","offer_10/6_arm_discount_points":"1.468","offer_10/6_arm_cost_of_discount_points":"5314.16","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":"2025-12-12"}.offer_30_years_rate}%`}, LTV 80% is $2200.00 for full Principal and Interest Payments with $4695.14 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5187.46","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":"3884.00","offer_10_years_rate":"5.250","offer_10_years_apr":"5.778","offer_10_years_discount_points":"1.482","offer_10_years_cost_of_discount_points":"5364.84","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":"2321.95","offer_26_years_rate":"6.125","offer_26_years_apr":"6.356","offer_26_years_discount_points":"1.297","offer_26_years_cost_of_discount_points":"4695.14","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":"2287.16","offer_27_years_rate":"6.125","offer_27_years_apr":"6.350","offer_27_years_discount_points":"1.297","offer_27_years_cost_of_discount_points":"4695.14","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":"2255.37","offer_28_years_rate":"6.125","offer_28_years_apr":"6.344","offer_28_years_discount_points":"1.297","offer_28_years_cost_of_discount_points":"4695.14","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":"2226.26","offer_29_years_rate":"6.125","offer_29_years_apr":"6.339","offer_29_years_discount_points":"1.297","offer_29_years_cost_of_discount_points":"4695.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.521","offer_5/6_arm_discount_points":"1.559","offer_5/6_arm_cost_of_discount_points":"5643.58","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2113.00","offer_7/6_arm_rate":"5.750","offer_7/6_arm_apr":"6.455","offer_7/6_arm_discount_points":"1.561","offer_7/6_arm_cost_of_discount_points":"5650.82","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2141.00","offer_10/6_arm_rate":"5.875","offer_10/6_arm_apr":"6.388","offer_10/6_arm_discount_points":"1.468","offer_10/6_arm_cost_of_discount_points":"5314.16","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":"2025-12-12"}.offer_30_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
All information in the primary residence payment examples listed above — including interest rates, payments, terms, and availability — is for informational purposes only and is subject to change without notice.
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Beyond a 20-year fixed mortgage option, SoFi also offers 10-, 15-, and 30-year fixed-rate mortgage loans. Compare the different fixed-rate mortgage loans offered by SoFi.
10-Year
This is a short-term loan with higher monthly payments and less total interest. Ideal for those who can afford higher payments.
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15-Year
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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30-Year
SoFi’s longest term, featuring low monthly payments but more total interest paid. Great for those who want a lower monthly payment.
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FAQs
Can you get a fixed-rate mortgage for 20 years?
Yes, you can get a fixed-rate mortgage for 20 years. This loan term is a less common but excellent middle-ground option for borrowers. It offers a shorter repayment period than a 30-year loan but with more manageable monthly payments than a 15-year loan.
What are the benefits of choosing a 20-year fixed mortgage?
The benefits of a 20-year fixed mortgage include paying off your loan sooner than a 30-year term and paying less in total interest. While the monthly payments are higher than a 30-year mortgage, they are typically more affordable than a 15-year term, making it a good balance of speed and affordability.
How do 20-year mortgage rates compare to 15- and 30-year rates?
20-year mortgage rates are typically lower than 30-year rates but slightly higher than 15-year rates. This is because the interest rate is generally tied to the length of the loan term, with shorter terms having lower rates due to less risk for the lender.
Is a 20-year fixed mortgage a good option for first-time homebuyers?
A 20-year fixed mortgage can be a good option for first-time homebuyers who want to pay off their loan sooner than a 30-year term but find the monthly payments on a 15-year mortgage too high. It provides a good balance between a shorter term and a manageable monthly payment.
Can I make extra payments to pay off a 20-year mortgage sooner?
Yes, you can make extra payments to pay off a 20-year mortgage sooner. Making additional payments toward the principal will reduce the total amount of interest paid over time and shorten the life of your loan.
Can I refinance into a 20-year mortgage?
Yes, you can refinance into a 20-year mortgage. This is a common choice for homeowners who want to shorten their loan term and save on interest but are not comfortable with the higher monthly payments of a 15-year mortgage. It provides a good balance of faster payoff and manageable payments.
What factors influence 20-year mortgage rates?
Factors influencing 20-year mortgage rates are similar to other loan terms, including your credit score, debt-to-income ratio, and down payment. Broader economic factors like the federal funds rate and inflation also play a significant role.
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