Current 20-Year Fixed Mortgage Rate Today
20-Year Fixed Mortgage Rate
Check out our
current 20-year fixed mortgage rate.
A 20-year fixed mortgage is a conventional loan with an interest rate that doesn’t fluctuate for the life of the loan.
Check out SoFi’s current 20-year fixed interest mortgage rate today.
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{/* current rate */}
Current 20-year fixed
mortgage rate.
Take a look at today’s 20-year fixed mortgage rate.
View your rate
Checking won’t affect your credit score.†
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":"5781.14","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":"5.766","offer_10_years_discount_points":"1.431","offer_10_years_cost_of_discount_points":"5180.22","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.262","offer_26_years_discount_points":"1.603","offer_26_years_cost_of_discount_points":"5802.86","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.255","offer_27_years_discount_points":"1.603","offer_27_years_cost_of_discount_points":"5802.86","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.249","offer_28_years_discount_points":"1.603","offer_28_years_cost_of_discount_points":"5802.86","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.243","offer_29_years_discount_points":"1.603","offer_29_years_cost_of_discount_points":"5802.86","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":"6.495","offer_5/6_arm_discount_points":"1.471","offer_5/6_arm_cost_of_discount_points":"5325.02","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":"6.432","offer_7/6_arm_discount_points":"1.469","offer_7/6_arm_cost_of_discount_points":"5317.78","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":"6.369","offer_10/6_arm_discount_points":"1.376","offer_10/6_arm_cost_of_discount_points":"4981.12","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":"2025-12-15"}.offer_10_years_rate}%`}, LTV 80% is $3884.00 for full Principal and Interest Payments with $5180.22 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.684","offer_30_year_fixed_fha_cost_of_discount_points":"6096.08","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":"6.307","offer_20_year_fixed_fha_discount_points":"1.445","offer_20_year_fixed_fha_cost_of_discount_points":"5230.90","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":"5.772","offer_15_year_fixed_fha_discount_points":"1.445","offer_15_year_fixed_fha_cost_of_discount_points":"5230.90","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":"6.050","offer_10_year_fixed_fha_discount_points":"1.445","offer_10_year_fixed_fha_cost_of_discount_points":"5230.90","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":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.555","offer_30_year_fixed_va_discount_points":"1.637","offer_30_year_fixed_va_cost_of_discount_points":"5925.94","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":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.675","offer_20_year_fixed_va_discount_points":"1.741","offer_20_year_fixed_va_cost_of_discount_points":"6302.42","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":"1.573","offer_15_year_fixed_va_cost_of_discount_points":"5694.26","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":"1.573","offer_10_year_fixed_va_cost_of_discount_points":"5694.26","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.238","offer_30_years_discount_points":"1.603","offer_30_years_cost_of_discount_points":"5802.86","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.275","offer_25_years_discount_points":"1.658","offer_25_years_cost_of_discount_points":"6001.96","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.194","offer_20_years_discount_points":"1.634","offer_20_years_cost_of_discount_points":"5915.08","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.512","offer_15_years_discount_points":"1.597","offer_15_years_cost_of_discount_points":"5781.14","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":"5.766","offer_10_years_discount_points":"1.431","offer_10_years_cost_of_discount_points":"5180.22","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.262","offer_26_years_discount_points":"1.603","offer_26_years_cost_of_discount_points":"5802.86","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.255","offer_27_years_discount_points":"1.603","offer_27_years_cost_of_discount_points":"5802.86","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.249","offer_28_years_discount_points":"1.603","offer_28_years_cost_of_discount_points":"5802.86","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.243","offer_29_years_discount_points":"1.603","offer_29_years_cost_of_discount_points":"5802.86","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":"6.495","offer_5/6_arm_discount_points":"1.471","offer_5/6_arm_cost_of_discount_points":"5325.02","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":"6.432","offer_7/6_arm_discount_points":"1.469","offer_7/6_arm_cost_of_discount_points":"5317.78","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":"6.369","offer_10/6_arm_discount_points":"1.376","offer_10/6_arm_cost_of_discount_points":"4981.12","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":"2025-12-15"}.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":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.684","offer_30_year_fixed_fha_cost_of_discount_points":"6096.08","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":"6.307","offer_20_year_fixed_fha_discount_points":"1.445","offer_20_year_fixed_fha_cost_of_discount_points":"5230.90","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":"5.772","offer_15_year_fixed_fha_discount_points":"1.445","offer_15_year_fixed_fha_cost_of_discount_points":"5230.90","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":"6.050","offer_10_year_fixed_fha_discount_points":"1.445","offer_10_year_fixed_fha_cost_of_discount_points":"5230.90","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":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.555","offer_30_year_fixed_va_discount_points":"1.637","offer_30_year_fixed_va_cost_of_discount_points":"5925.94","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":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.675","offer_20_year_fixed_va_discount_points":"1.741","offer_20_year_fixed_va_cost_of_discount_points":"6302.42","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":"1.573","offer_15_year_fixed_va_cost_of_discount_points":"5694.26","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":"1.573","offer_10_year_fixed_va_cost_of_discount_points":"5694.26","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.238","offer_30_years_discount_points":"1.603","offer_30_years_cost_of_discount_points":"5802.86","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.275","offer_25_years_discount_points":"1.658","offer_25_years_cost_of_discount_points":"6001.96","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.194","offer_20_years_discount_points":"1.634","offer_20_years_cost_of_discount_points":"5915.08","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.512","offer_15_years_discount_points":"1.597","offer_15_years_cost_of_discount_points":"5781.14","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":"5.766","offer_10_years_discount_points":"1.431","offer_10_years_cost_of_discount_points":"5180.22","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.262","offer_26_years_discount_points":"1.603","offer_26_years_cost_of_discount_points":"5802.86","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.255","offer_27_years_discount_points":"1.603","offer_27_years_cost_of_discount_points":"5802.86","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.249","offer_28_years_discount_points":"1.603","offer_28_years_cost_of_discount_points":"5802.86","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.243","offer_29_years_discount_points":"1.603","offer_29_years_cost_of_discount_points":"5802.86","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":"6.495","offer_5/6_arm_discount_points":"1.471","offer_5/6_arm_cost_of_discount_points":"5325.02","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":"6.432","offer_7/6_arm_discount_points":"1.469","offer_7/6_arm_cost_of_discount_points":"5317.78","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":"6.369","offer_10/6_arm_discount_points":"1.376","offer_10/6_arm_cost_of_discount_points":"4981.12","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":"2025-12-15"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $5781.14 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.684","offer_30_year_fixed_fha_cost_of_discount_points":"6096.08","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":"6.307","offer_20_year_fixed_fha_discount_points":"1.445","offer_20_year_fixed_fha_cost_of_discount_points":"5230.90","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":"5.772","offer_15_year_fixed_fha_discount_points":"1.445","offer_15_year_fixed_fha_cost_of_discount_points":"5230.90","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":"6.050","offer_10_year_fixed_fha_discount_points":"1.445","offer_10_year_fixed_fha_cost_of_discount_points":"5230.90","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":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.555","offer_30_year_fixed_va_discount_points":"1.637","offer_30_year_fixed_va_cost_of_discount_points":"5925.94","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":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.675","offer_20_year_fixed_va_discount_points":"1.741","offer_20_year_fixed_va_cost_of_discount_points":"6302.42","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":"1.573","offer_15_year_fixed_va_cost_of_discount_points":"5694.26","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":"1.573","offer_10_year_fixed_va_cost_of_discount_points":"5694.26","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.238","offer_30_years_discount_points":"1.603","offer_30_years_cost_of_discount_points":"5802.86","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.275","offer_25_years_discount_points":"1.658","offer_25_years_cost_of_discount_points":"6001.96","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.194","offer_20_years_discount_points":"1.634","offer_20_years_cost_of_discount_points":"5915.08","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.512","offer_15_years_discount_points":"1.597","offer_15_years_cost_of_discount_points":"5781.14","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":"5.766","offer_10_years_discount_points":"1.431","offer_10_years_cost_of_discount_points":"5180.22","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.262","offer_26_years_discount_points":"1.603","offer_26_years_cost_of_discount_points":"5802.86","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.255","offer_27_years_discount_points":"1.603","offer_27_years_cost_of_discount_points":"5802.86","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.249","offer_28_years_discount_points":"1.603","offer_28_years_cost_of_discount_points":"5802.86","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.243","offer_29_years_discount_points":"1.603","offer_29_years_cost_of_discount_points":"5802.86","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":"6.495","offer_5/6_arm_discount_points":"1.471","offer_5/6_arm_cost_of_discount_points":"5325.02","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":"6.432","offer_7/6_arm_discount_points":"1.469","offer_7/6_arm_cost_of_discount_points":"5317.78","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":"6.369","offer_10/6_arm_discount_points":"1.376","offer_10/6_arm_cost_of_discount_points":"4981.12","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":"2025-12-15"}.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":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.684","offer_30_year_fixed_fha_cost_of_discount_points":"6096.08","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":"6.307","offer_20_year_fixed_fha_discount_points":"1.445","offer_20_year_fixed_fha_cost_of_discount_points":"5230.90","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":"5.772","offer_15_year_fixed_fha_discount_points":"1.445","offer_15_year_fixed_fha_cost_of_discount_points":"5230.90","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":"6.050","offer_10_year_fixed_fha_discount_points":"1.445","offer_10_year_fixed_fha_cost_of_discount_points":"5230.90","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":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.555","offer_30_year_fixed_va_discount_points":"1.637","offer_30_year_fixed_va_cost_of_discount_points":"5925.94","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":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.675","offer_20_year_fixed_va_discount_points":"1.741","offer_20_year_fixed_va_cost_of_discount_points":"6302.42","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":"1.573","offer_15_year_fixed_va_cost_of_discount_points":"5694.26","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":"1.573","offer_10_year_fixed_va_cost_of_discount_points":"5694.26","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.238","offer_30_years_discount_points":"1.603","offer_30_years_cost_of_discount_points":"5802.86","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.275","offer_25_years_discount_points":"1.658","offer_25_years_cost_of_discount_points":"6001.96","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.194","offer_20_years_discount_points":"1.634","offer_20_years_cost_of_discount_points":"5915.08","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.512","offer_15_years_discount_points":"1.597","offer_15_years_cost_of_discount_points":"5781.14","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":"5.766","offer_10_years_discount_points":"1.431","offer_10_years_cost_of_discount_points":"5180.22","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.262","offer_26_years_discount_points":"1.603","offer_26_years_cost_of_discount_points":"5802.86","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.255","offer_27_years_discount_points":"1.603","offer_27_years_cost_of_discount_points":"5802.86","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.249","offer_28_years_discount_points":"1.603","offer_28_years_cost_of_discount_points":"5802.86","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.243","offer_29_years_discount_points":"1.603","offer_29_years_cost_of_discount_points":"5802.86","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":"6.495","offer_5/6_arm_discount_points":"1.471","offer_5/6_arm_cost_of_discount_points":"5325.02","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":"6.432","offer_7/6_arm_discount_points":"1.469","offer_7/6_arm_cost_of_discount_points":"5317.78","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":"6.369","offer_10/6_arm_discount_points":"1.376","offer_10/6_arm_cost_of_discount_points":"4981.12","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":"2025-12-15"}.offer_20_years_rate}%`}, LTV 80% is $2567.00 for full Principal and Interest Payments with $5915.08 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.684","offer_30_year_fixed_fha_cost_of_discount_points":"6096.08","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":"6.307","offer_20_year_fixed_fha_discount_points":"1.445","offer_20_year_fixed_fha_cost_of_discount_points":"5230.90","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":"5.772","offer_15_year_fixed_fha_discount_points":"1.445","offer_15_year_fixed_fha_cost_of_discount_points":"5230.90","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":"6.050","offer_10_year_fixed_fha_discount_points":"1.445","offer_10_year_fixed_fha_cost_of_discount_points":"5230.90","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":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.555","offer_30_year_fixed_va_discount_points":"1.637","offer_30_year_fixed_va_cost_of_discount_points":"5925.94","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":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.675","offer_20_year_fixed_va_discount_points":"1.741","offer_20_year_fixed_va_cost_of_discount_points":"6302.42","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":"1.573","offer_15_year_fixed_va_cost_of_discount_points":"5694.26","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":"1.573","offer_10_year_fixed_va_cost_of_discount_points":"5694.26","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.238","offer_30_years_discount_points":"1.603","offer_30_years_cost_of_discount_points":"5802.86","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.275","offer_25_years_discount_points":"1.658","offer_25_years_cost_of_discount_points":"6001.96","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.194","offer_20_years_discount_points":"1.634","offer_20_years_cost_of_discount_points":"5915.08","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.512","offer_15_years_discount_points":"1.597","offer_15_years_cost_of_discount_points":"5781.14","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":"5.766","offer_10_years_discount_points":"1.431","offer_10_years_cost_of_discount_points":"5180.22","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.262","offer_26_years_discount_points":"1.603","offer_26_years_cost_of_discount_points":"5802.86","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.255","offer_27_years_discount_points":"1.603","offer_27_years_cost_of_discount_points":"5802.86","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.249","offer_28_years_discount_points":"1.603","offer_28_years_cost_of_discount_points":"5802.86","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.243","offer_29_years_discount_points":"1.603","offer_29_years_cost_of_discount_points":"5802.86","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":"6.495","offer_5/6_arm_discount_points":"1.471","offer_5/6_arm_cost_of_discount_points":"5325.02","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":"6.432","offer_7/6_arm_discount_points":"1.469","offer_7/6_arm_cost_of_discount_points":"5317.78","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":"6.369","offer_10/6_arm_discount_points":"1.376","offer_10/6_arm_cost_of_discount_points":"4981.12","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":"2025-12-15"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
8 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.684","offer_30_year_fixed_fha_cost_of_discount_points":"6096.08","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":"6.307","offer_20_year_fixed_fha_discount_points":"1.445","offer_20_year_fixed_fha_cost_of_discount_points":"5230.90","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":"5.772","offer_15_year_fixed_fha_discount_points":"1.445","offer_15_year_fixed_fha_cost_of_discount_points":"5230.90","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":"6.050","offer_10_year_fixed_fha_discount_points":"1.445","offer_10_year_fixed_fha_cost_of_discount_points":"5230.90","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":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.555","offer_30_year_fixed_va_discount_points":"1.637","offer_30_year_fixed_va_cost_of_discount_points":"5925.94","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":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.675","offer_20_year_fixed_va_discount_points":"1.741","offer_20_year_fixed_va_cost_of_discount_points":"6302.42","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":"1.573","offer_15_year_fixed_va_cost_of_discount_points":"5694.26","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":"1.573","offer_10_year_fixed_va_cost_of_discount_points":"5694.26","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.238","offer_30_years_discount_points":"1.603","offer_30_years_cost_of_discount_points":"5802.86","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.275","offer_25_years_discount_points":"1.658","offer_25_years_cost_of_discount_points":"6001.96","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.194","offer_20_years_discount_points":"1.634","offer_20_years_cost_of_discount_points":"5915.08","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.512","offer_15_years_discount_points":"1.597","offer_15_years_cost_of_discount_points":"5781.14","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":"5.766","offer_10_years_discount_points":"1.431","offer_10_years_cost_of_discount_points":"5180.22","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.262","offer_26_years_discount_points":"1.603","offer_26_years_cost_of_discount_points":"5802.86","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.255","offer_27_years_discount_points":"1.603","offer_27_years_cost_of_discount_points":"5802.86","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.249","offer_28_years_discount_points":"1.603","offer_28_years_cost_of_discount_points":"5802.86","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.243","offer_29_years_discount_points":"1.603","offer_29_years_cost_of_discount_points":"5802.86","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":"6.495","offer_5/6_arm_discount_points":"1.471","offer_5/6_arm_cost_of_discount_points":"5325.02","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":"6.432","offer_7/6_arm_discount_points":"1.469","offer_7/6_arm_cost_of_discount_points":"5317.78","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":"6.369","offer_10/6_arm_discount_points":"1.376","offer_10/6_arm_cost_of_discount_points":"4981.12","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":"2025-12-15"}.offer_30_years_rate}%`}, LTV 80% is $2170.00 for full Principal and Interest Payments with $5802.86 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.999","offer_30_year_fixed_fha_discount_points":"1.684","offer_30_year_fixed_fha_cost_of_discount_points":"6096.08","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":"6.307","offer_20_year_fixed_fha_discount_points":"1.445","offer_20_year_fixed_fha_cost_of_discount_points":"5230.90","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":"5.772","offer_15_year_fixed_fha_discount_points":"1.445","offer_15_year_fixed_fha_cost_of_discount_points":"5230.90","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":"6.050","offer_10_year_fixed_fha_discount_points":"1.445","offer_10_year_fixed_fha_cost_of_discount_points":"5230.90","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":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.555","offer_30_year_fixed_va_discount_points":"1.637","offer_30_year_fixed_va_cost_of_discount_points":"5925.94","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":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.675","offer_20_year_fixed_va_discount_points":"1.741","offer_20_year_fixed_va_cost_of_discount_points":"6302.42","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":"1.573","offer_15_year_fixed_va_cost_of_discount_points":"5694.26","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":"1.573","offer_10_year_fixed_va_cost_of_discount_points":"5694.26","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":"2170.00","offer_30_years_rate":"6.000","offer_30_years_apr":"6.238","offer_30_years_discount_points":"1.603","offer_30_years_cost_of_discount_points":"5802.86","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.275","offer_25_years_discount_points":"1.658","offer_25_years_cost_of_discount_points":"6001.96","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":"2567.00","offer_20_years_rate":"5.875","offer_20_years_apr":"6.194","offer_20_years_discount_points":"1.634","offer_20_years_cost_of_discount_points":"5915.08","offer_20_years_total_fee_amount":"5792.20","offer_20_years_property_value":"452500.00","offer_20_years_loan_amount":"362000.00","offer_20_years_upfront_mortgage_insurance":"0.00","offer_15_years_principal_and_interest":"2886.00","offer_15_years_rate":"5.125","offer_15_years_apr":"5.512","offer_15_years_discount_points":"1.597","offer_15_years_cost_of_discount_points":"5781.14","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":"5.766","offer_10_years_discount_points":"1.431","offer_10_years_cost_of_discount_points":"5180.22","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":"2293.91","offer_26_years_rate":"6.000","offer_26_years_apr":"6.262","offer_26_years_discount_points":"1.603","offer_26_years_cost_of_discount_points":"5802.86","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":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.255","offer_27_years_discount_points":"1.603","offer_27_years_cost_of_discount_points":"5802.86","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":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.249","offer_28_years_discount_points":"1.603","offer_28_years_cost_of_discount_points":"5802.86","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":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.243","offer_29_years_discount_points":"1.603","offer_29_years_cost_of_discount_points":"5802.86","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":"6.495","offer_5/6_arm_discount_points":"1.471","offer_5/6_arm_cost_of_discount_points":"5325.02","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":"6.432","offer_7/6_arm_discount_points":"1.469","offer_7/6_arm_cost_of_discount_points":"5317.78","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":"6.369","offer_10/6_arm_discount_points":"1.376","offer_10/6_arm_cost_of_discount_points":"4981.12","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":"2025-12-15"}.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.
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Beyond a 20-year fixed mortgage option, SoFi also offers 10-, 15-, and 30-year fixed-rate mortgage loans. Compare the different fixed-rate mortgage loans offered by SoFi.
10-Year
This is a short-term loan with higher monthly payments and less total interest. Ideal for those who can afford higher payments.
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15-Year
This loan term has moderate payments and less total interest paid. Best for those who want a balance of a lower interest and faster payoff.
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30-Year
SoFi’s longest term, featuring low monthly payments but more total interest paid. Great for those who want a lower monthly payment.
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FAQs
Can you get a fixed-rate mortgage for 20 years?
Yes, you can get a fixed-rate mortgage for 20 years. This loan term is a less common but excellent middle-ground option for borrowers. It offers a shorter repayment period than a 30-year loan but with more manageable monthly payments than a 15-year loan.
What are the benefits of choosing a 20-year fixed mortgage?
The benefits of a 20-year fixed mortgage include paying off your loan sooner than a 30-year term and paying less in total interest. While the monthly payments are higher than a 30-year mortgage, they are typically more affordable than a 15-year term, making it a good balance of speed and affordability.
How do 20-year mortgage rates compare to 15- and 30-year rates?
20-year mortgage rates are typically lower than 30-year rates but slightly higher than 15-year rates. This is because the interest rate is generally tied to the length of the loan term, with shorter terms having lower rates due to less risk for the lender.
Is a 20-year fixed mortgage a good option for first-time homebuyers?
A 20-year fixed mortgage can be a good option for first-time homebuyers who want to pay off their loan sooner than a 30-year term but find the monthly payments on a 15-year mortgage too high. It provides a good balance between a shorter term and a manageable monthly payment.
Can I make extra payments to pay off a 20-year mortgage sooner?
Yes, you can make extra payments to pay off a 20-year mortgage sooner. Making additional payments toward the principal will reduce the total amount of interest paid over time and shorten the life of your loan.
Can I refinance into a 20-year mortgage?
Yes, you can refinance into a 20-year mortgage. This is a common choice for homeowners who want to shorten their loan term and save on interest but are not comfortable with the higher monthly payments of a 15-year mortgage. It provides a good balance of faster payoff and manageable payments.
What factors influence 20-year mortgage rates?
Factors influencing 20-year mortgage rates are similar to other loan terms, including your credit score, debt-to-income ratio, and down payment. Broader economic factors like the federal funds rate and inflation also play a significant role.
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