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.
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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.
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*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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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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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.
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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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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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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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10-Year Fixed Mortgage Rate
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A 10-year fixed mortgage is a conventional loan with an interest
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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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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 10-year fixed mortgage option, SoFi also offers 15-, 20-, and 30-year fixed-rate mortgage loans. Compare the different fixed-rate mortgage loans offered by SoFi.
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This loan term has moderate payments and less total interest paid. Best for those who want a balance of a lower interest and faster payoff.
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20-Year
With stable payments and moderate total interest paid, this loan is great for those who want a shorter term without a high payment.
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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 10 years?
Yes, you can get a fixed-rate mortgage for 10 years. This is the shortest common loan term and is ideal for borrowers who want to pay off their home as quickly as possible.
What are the benefits of choosing a 10-year fixed mortgage?
The main benefits of a 10-year fixed mortgage are the significantly lower interest rate and the fastest possible payoff time. This leads to the least amount of total interest paid over the life of the loan.
Is a 10-year fixed mortgage a good option for first-time homebuyers?
A 10-year fixed mortgage is generally not a good option for most first-time homebuyers because the monthly payments are very high. This option is best suited for those with very strong finances and a high income.
Is a 10-year fixed mortgage better than 15-, 20-, and 30-year mortgages?
A 10-year fixed mortgage is “better” if your primary goal is to pay off your home as quickly as possible and save the most money on interest. However, 15-, 20-, and 30-year mortgages offer more manageable monthly payments.
Can I make extra payments to pay off a 10-year mortgage sooner?
Yes, you can make extra payments to pay off a 10-year mortgage even sooner. This will further reduce the total interest you pay and get you to a mortgage-free status even sooner.
Can I refinance to a 10-year fixed mortgage?
Yes, you can refinance to a 10-year fixed mortgage. This is a great strategy if your financial situation has improved and you are able to handle the much higher monthly payments to save a significant amount on interest.
Are 10-year fixed mortgages available for investment properties?
Yes, 10-year fixed mortgages are often available for investment properties. However, the interest rates and terms for investment properties may be different from those for a primary residence, often with stricter qualification requirements.
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Current VA 30-Year Fixed Mortgage Rate Today
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510-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 4.875%, LTV 100% is $3865.00 for full Principal and Interest Payments with $1.575 due at closing. The Annual Percentage Rate is 5.599%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
615-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 4.875%, LTV 100% is $2875.00 for full Principal and Interest Payments with $1.575 due at closing. The Annual Percentage Rate is 5.381%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
720-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 5.375%, LTV 100% is $2495.00 for full Principal and Interest Payments with $1.362 due at closing. The Annual Percentage Rate is 5.754%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
830-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 5.375%, LTV 100% is $2052.00 for full Principal and Interest Payments with $1.267 due at closing. The Annual Percentage Rate is 5.648%. 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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FAQs
How does a VA 30-year fixed mortgage compare to the other loan terms?
A 30-year fixed mortgage offers lower monthly payments compared to a VA loan with shorter loan terms, though you will pay more interest over time.
What are the benefits of a VA loan versus conventional loans?
VA loans typically offer 0% down payment requirements, no private mortgage insurance (PMI), and lower interest rates than conventional loans. They also have more flexible credit requirements and limited closing costs.
What would the monthly payment be on a fixed-rate $300,000 mortgage for 30 years?
The monthly payment on a $300,000 mortgage over 30 years depends on the interest rate. At a 6.50% APR fixed interest rate, for example, your monthly principal and interest payment would be about $1,896. Taxes, insurance, and fees may add to your total monthly cost.
Is a VA 30-year fixed loan a good idea for first-time homebuyers?
Yes, a VA 30-year fixed loan can be an excellent option for first-time homebuyers who are eligible. It offers no down payment requirement, no private mortgage insurance (PMI), and very competitive interest rates—all of which help reduce both up-front and ongoing costs.
What are the different types of VA loans?
The main types of VA loans include: VA purchase loans (to buy a home), VA cash-out refinance (to tap into home equity), and VA IRRRL (Interest Rate Reduction Refinance Loan).
What is a 30-year fixed VA loan?
A 30-year fixed VA loan is a government-backed mortgage that offers a fixed interest rate for 30 years.
How does a VA 30-year fixed mortgage work?
A VA 30-year fixed mortgage is a long-term loan backed by the U.S. Department of Veterans Affairs. It offers a fixed interest rate and monthly payment for the full 30-year term.
Does SoFi offer a VA 30-year fixed-rate mortgage?
Yes, SoFi offers VA 30-year fixed mortgages for qualified borrowers.
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