Current 10-Year Fixed Mortgage Rate Today
10-Year Fixed Mortgage Rate
Check out our
current 10-year fixed
mortgage rate.
A 10-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 10-year fixed interest mortgage rate today.
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Checking won’t affect your credit score.†
{/* current rate */}
Current 10-year fixed
mortgage rate.
Take a look at today’s 10-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":"6005.58","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":"5.756","offer_10_years_discount_points":"1.386","offer_10_years_cost_of_discount_points":"5017.32","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":"6.255","offer_26_years_discount_points":"1.543","offer_26_years_cost_of_discount_points":"5585.66","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":"6.249","offer_27_years_discount_points":"1.543","offer_27_years_cost_of_discount_points":"5585.66","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":"6.243","offer_28_years_discount_points":"1.543","offer_28_years_cost_of_discount_points":"5585.66","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":"6.237","offer_29_years_discount_points":"1.543","offer_29_years_cost_of_discount_points":"5585.66","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":"6.453","offer_5/6_arm_discount_points":"1.469","offer_5/6_arm_cost_of_discount_points":"5317.78","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.347","offer_7/6_arm_discount_points":"1.599","offer_7/6_arm_cost_of_discount_points":"5788.38","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":"6.346","offer_10/6_arm_discount_points":"1.385","offer_10/6_arm_cost_of_discount_points":"5013.70","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":"2025-12-23"}.offer_10_years_rate}%`}, LTV 80% is $3884.00 for full Principal and Interest Payments with $5017.32 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"6005.58","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":"5.756","offer_10_years_discount_points":"1.386","offer_10_years_cost_of_discount_points":"5017.32","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":"6.255","offer_26_years_discount_points":"1.543","offer_26_years_cost_of_discount_points":"5585.66","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":"6.249","offer_27_years_discount_points":"1.543","offer_27_years_cost_of_discount_points":"5585.66","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":"6.243","offer_28_years_discount_points":"1.543","offer_28_years_cost_of_discount_points":"5585.66","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":"6.237","offer_29_years_discount_points":"1.543","offer_29_years_cost_of_discount_points":"5585.66","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":"6.453","offer_5/6_arm_discount_points":"1.469","offer_5/6_arm_cost_of_discount_points":"5317.78","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.347","offer_7/6_arm_discount_points":"1.599","offer_7/6_arm_cost_of_discount_points":"5788.38","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":"6.346","offer_10/6_arm_discount_points":"1.385","offer_10/6_arm_cost_of_discount_points":"5013.70","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":"2025-12-23"}.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":"6.097","offer_30_year_fixed_fha_discount_points":"1.364","offer_30_year_fixed_fha_cost_of_discount_points":"4937.68","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":"6.319","offer_20_year_fixed_fha_discount_points":"1.537","offer_20_year_fixed_fha_cost_of_discount_points":"5563.94","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":"5.776","offer_15_year_fixed_fha_discount_points":"1.470","offer_15_year_fixed_fha_cost_of_discount_points":"5321.40","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":"6.056","offer_10_year_fixed_fha_discount_points":"1.470","offer_10_year_fixed_fha_cost_of_discount_points":"5321.40","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":"5.653","offer_30_year_fixed_va_discount_points":"1.323","offer_30_year_fixed_va_cost_of_discount_points":"4789.26","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":"5.765","offer_20_year_fixed_va_discount_points":"1.447","offer_20_year_fixed_va_cost_of_discount_points":"5238.14","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":"2898.00","offer_15_year_fixed_va_rate":"5.000","offer_15_year_fixed_va_apr":"5.473","offer_15_year_fixed_va_discount_points":"1.353","offer_15_year_fixed_va_cost_of_discount_points":"4897.86","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":"3888.00","offer_10_year_fixed_va_rate":"5.000","offer_10_year_fixed_va_apr":"5.676","offer_10_year_fixed_va_discount_points":"1.353","offer_10_year_fixed_va_cost_of_discount_points":"4897.86","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":"6.232","offer_30_years_discount_points":"1.543","offer_30_years_cost_of_discount_points":"5585.66","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":"6.268","offer_25_years_discount_points":"1.599","offer_25_years_cost_of_discount_points":"5788.38","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":"6.161","offer_20_years_discount_points":"1.375","offer_20_years_cost_of_discount_points":"4977.50","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":"5.522","offer_15_years_discount_points":"1.659","offer_15_years_cost_of_discount_points":"6005.58","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":"5.756","offer_10_years_discount_points":"1.386","offer_10_years_cost_of_discount_points":"5017.32","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":"6.255","offer_26_years_discount_points":"1.543","offer_26_years_cost_of_discount_points":"5585.66","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":"6.249","offer_27_years_discount_points":"1.543","offer_27_years_cost_of_discount_points":"5585.66","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":"6.243","offer_28_years_discount_points":"1.543","offer_28_years_cost_of_discount_points":"5585.66","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":"6.237","offer_29_years_discount_points":"1.543","offer_29_years_cost_of_discount_points":"5585.66","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":"6.453","offer_5/6_arm_discount_points":"1.469","offer_5/6_arm_cost_of_discount_points":"5317.78","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.347","offer_7/6_arm_discount_points":"1.599","offer_7/6_arm_cost_of_discount_points":"5788.38","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":"6.346","offer_10/6_arm_discount_points":"1.385","offer_10/6_arm_cost_of_discount_points":"5013.70","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":"2025-12-23"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $6005.58 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.097","offer_30_year_fixed_fha_discount_points":"1.364","offer_30_year_fixed_fha_cost_of_discount_points":"4937.68","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":"6.319","offer_20_year_fixed_fha_discount_points":"1.537","offer_20_year_fixed_fha_cost_of_discount_points":"5563.94","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":"5.776","offer_15_year_fixed_fha_discount_points":"1.470","offer_15_year_fixed_fha_cost_of_discount_points":"5321.40","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":"6.056","offer_10_year_fixed_fha_discount_points":"1.470","offer_10_year_fixed_fha_cost_of_discount_points":"5321.40","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":"5.653","offer_30_year_fixed_va_discount_points":"1.323","offer_30_year_fixed_va_cost_of_discount_points":"4789.26","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":"5.765","offer_20_year_fixed_va_discount_points":"1.447","offer_20_year_fixed_va_cost_of_discount_points":"5238.14","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":"2898.00","offer_15_year_fixed_va_rate":"5.000","offer_15_year_fixed_va_apr":"5.473","offer_15_year_fixed_va_discount_points":"1.353","offer_15_year_fixed_va_cost_of_discount_points":"4897.86","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":"3888.00","offer_10_year_fixed_va_rate":"5.000","offer_10_year_fixed_va_apr":"5.676","offer_10_year_fixed_va_discount_points":"1.353","offer_10_year_fixed_va_cost_of_discount_points":"4897.86","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":"6.232","offer_30_years_discount_points":"1.543","offer_30_years_cost_of_discount_points":"5585.66","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":"6.268","offer_25_years_discount_points":"1.599","offer_25_years_cost_of_discount_points":"5788.38","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":"6.161","offer_20_years_discount_points":"1.375","offer_20_years_cost_of_discount_points":"4977.50","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":"5.522","offer_15_years_discount_points":"1.659","offer_15_years_cost_of_discount_points":"6005.58","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":"5.756","offer_10_years_discount_points":"1.386","offer_10_years_cost_of_discount_points":"5017.32","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":"6.255","offer_26_years_discount_points":"1.543","offer_26_years_cost_of_discount_points":"5585.66","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":"6.249","offer_27_years_discount_points":"1.543","offer_27_years_cost_of_discount_points":"5585.66","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":"6.243","offer_28_years_discount_points":"1.543","offer_28_years_cost_of_discount_points":"5585.66","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":"6.237","offer_29_years_discount_points":"1.543","offer_29_years_cost_of_discount_points":"5585.66","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":"6.453","offer_5/6_arm_discount_points":"1.469","offer_5/6_arm_cost_of_discount_points":"5317.78","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.347","offer_7/6_arm_discount_points":"1.599","offer_7/6_arm_cost_of_discount_points":"5788.38","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":"6.346","offer_10/6_arm_discount_points":"1.385","offer_10/6_arm_cost_of_discount_points":"5013.70","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":"2025-12-23"}.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":"6.097","offer_30_year_fixed_fha_discount_points":"1.364","offer_30_year_fixed_fha_cost_of_discount_points":"4937.68","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":"6.319","offer_20_year_fixed_fha_discount_points":"1.537","offer_20_year_fixed_fha_cost_of_discount_points":"5563.94","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":"5.776","offer_15_year_fixed_fha_discount_points":"1.470","offer_15_year_fixed_fha_cost_of_discount_points":"5321.40","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":"6.056","offer_10_year_fixed_fha_discount_points":"1.470","offer_10_year_fixed_fha_cost_of_discount_points":"5321.40","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":"5.653","offer_30_year_fixed_va_discount_points":"1.323","offer_30_year_fixed_va_cost_of_discount_points":"4789.26","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":"5.765","offer_20_year_fixed_va_discount_points":"1.447","offer_20_year_fixed_va_cost_of_discount_points":"5238.14","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":"2898.00","offer_15_year_fixed_va_rate":"5.000","offer_15_year_fixed_va_apr":"5.473","offer_15_year_fixed_va_discount_points":"1.353","offer_15_year_fixed_va_cost_of_discount_points":"4897.86","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":"3888.00","offer_10_year_fixed_va_rate":"5.000","offer_10_year_fixed_va_apr":"5.676","offer_10_year_fixed_va_discount_points":"1.353","offer_10_year_fixed_va_cost_of_discount_points":"4897.86","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":"6.232","offer_30_years_discount_points":"1.543","offer_30_years_cost_of_discount_points":"5585.66","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":"6.268","offer_25_years_discount_points":"1.599","offer_25_years_cost_of_discount_points":"5788.38","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":"6.161","offer_20_years_discount_points":"1.375","offer_20_years_cost_of_discount_points":"4977.50","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":"5.522","offer_15_years_discount_points":"1.659","offer_15_years_cost_of_discount_points":"6005.58","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":"5.756","offer_10_years_discount_points":"1.386","offer_10_years_cost_of_discount_points":"5017.32","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":"6.255","offer_26_years_discount_points":"1.543","offer_26_years_cost_of_discount_points":"5585.66","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":"6.249","offer_27_years_discount_points":"1.543","offer_27_years_cost_of_discount_points":"5585.66","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":"6.243","offer_28_years_discount_points":"1.543","offer_28_years_cost_of_discount_points":"5585.66","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":"6.237","offer_29_years_discount_points":"1.543","offer_29_years_cost_of_discount_points":"5585.66","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":"6.453","offer_5/6_arm_discount_points":"1.469","offer_5/6_arm_cost_of_discount_points":"5317.78","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.347","offer_7/6_arm_discount_points":"1.599","offer_7/6_arm_cost_of_discount_points":"5788.38","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":"6.346","offer_10/6_arm_discount_points":"1.385","offer_10/6_arm_cost_of_discount_points":"5013.70","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":"2025-12-23"}.offer_20_years_rate}%`}, LTV 80% is $2567.00 for full Principal and Interest Payments with $4977.50 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.097","offer_30_year_fixed_fha_discount_points":"1.364","offer_30_year_fixed_fha_cost_of_discount_points":"4937.68","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":"6.319","offer_20_year_fixed_fha_discount_points":"1.537","offer_20_year_fixed_fha_cost_of_discount_points":"5563.94","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":"5.776","offer_15_year_fixed_fha_discount_points":"1.470","offer_15_year_fixed_fha_cost_of_discount_points":"5321.40","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":"6.056","offer_10_year_fixed_fha_discount_points":"1.470","offer_10_year_fixed_fha_cost_of_discount_points":"5321.40","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":"5.653","offer_30_year_fixed_va_discount_points":"1.323","offer_30_year_fixed_va_cost_of_discount_points":"4789.26","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":"5.765","offer_20_year_fixed_va_discount_points":"1.447","offer_20_year_fixed_va_cost_of_discount_points":"5238.14","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":"2898.00","offer_15_year_fixed_va_rate":"5.000","offer_15_year_fixed_va_apr":"5.473","offer_15_year_fixed_va_discount_points":"1.353","offer_15_year_fixed_va_cost_of_discount_points":"4897.86","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":"3888.00","offer_10_year_fixed_va_rate":"5.000","offer_10_year_fixed_va_apr":"5.676","offer_10_year_fixed_va_discount_points":"1.353","offer_10_year_fixed_va_cost_of_discount_points":"4897.86","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":"6.232","offer_30_years_discount_points":"1.543","offer_30_years_cost_of_discount_points":"5585.66","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":"6.268","offer_25_years_discount_points":"1.599","offer_25_years_cost_of_discount_points":"5788.38","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":"6.161","offer_20_years_discount_points":"1.375","offer_20_years_cost_of_discount_points":"4977.50","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":"5.522","offer_15_years_discount_points":"1.659","offer_15_years_cost_of_discount_points":"6005.58","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":"5.756","offer_10_years_discount_points":"1.386","offer_10_years_cost_of_discount_points":"5017.32","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":"6.255","offer_26_years_discount_points":"1.543","offer_26_years_cost_of_discount_points":"5585.66","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":"6.249","offer_27_years_discount_points":"1.543","offer_27_years_cost_of_discount_points":"5585.66","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":"6.243","offer_28_years_discount_points":"1.543","offer_28_years_cost_of_discount_points":"5585.66","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":"6.237","offer_29_years_discount_points":"1.543","offer_29_years_cost_of_discount_points":"5585.66","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":"6.453","offer_5/6_arm_discount_points":"1.469","offer_5/6_arm_cost_of_discount_points":"5317.78","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.347","offer_7/6_arm_discount_points":"1.599","offer_7/6_arm_cost_of_discount_points":"5788.38","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":"6.346","offer_10/6_arm_discount_points":"1.385","offer_10/6_arm_cost_of_discount_points":"5013.70","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":"2025-12-23"}.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":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.097","offer_30_year_fixed_fha_discount_points":"1.364","offer_30_year_fixed_fha_cost_of_discount_points":"4937.68","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":"6.319","offer_20_year_fixed_fha_discount_points":"1.537","offer_20_year_fixed_fha_cost_of_discount_points":"5563.94","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":"5.776","offer_15_year_fixed_fha_discount_points":"1.470","offer_15_year_fixed_fha_cost_of_discount_points":"5321.40","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":"6.056","offer_10_year_fixed_fha_discount_points":"1.470","offer_10_year_fixed_fha_cost_of_discount_points":"5321.40","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":"5.653","offer_30_year_fixed_va_discount_points":"1.323","offer_30_year_fixed_va_cost_of_discount_points":"4789.26","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":"5.765","offer_20_year_fixed_va_discount_points":"1.447","offer_20_year_fixed_va_cost_of_discount_points":"5238.14","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":"2898.00","offer_15_year_fixed_va_rate":"5.000","offer_15_year_fixed_va_apr":"5.473","offer_15_year_fixed_va_discount_points":"1.353","offer_15_year_fixed_va_cost_of_discount_points":"4897.86","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":"3888.00","offer_10_year_fixed_va_rate":"5.000","offer_10_year_fixed_va_apr":"5.676","offer_10_year_fixed_va_discount_points":"1.353","offer_10_year_fixed_va_cost_of_discount_points":"4897.86","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":"6.232","offer_30_years_discount_points":"1.543","offer_30_years_cost_of_discount_points":"5585.66","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":"6.268","offer_25_years_discount_points":"1.599","offer_25_years_cost_of_discount_points":"5788.38","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":"6.161","offer_20_years_discount_points":"1.375","offer_20_years_cost_of_discount_points":"4977.50","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":"5.522","offer_15_years_discount_points":"1.659","offer_15_years_cost_of_discount_points":"6005.58","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":"5.756","offer_10_years_discount_points":"1.386","offer_10_years_cost_of_discount_points":"5017.32","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":"6.255","offer_26_years_discount_points":"1.543","offer_26_years_cost_of_discount_points":"5585.66","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":"6.249","offer_27_years_discount_points":"1.543","offer_27_years_cost_of_discount_points":"5585.66","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":"6.243","offer_28_years_discount_points":"1.543","offer_28_years_cost_of_discount_points":"5585.66","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":"6.237","offer_29_years_discount_points":"1.543","offer_29_years_cost_of_discount_points":"5585.66","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":"6.453","offer_5/6_arm_discount_points":"1.469","offer_5/6_arm_cost_of_discount_points":"5317.78","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.347","offer_7/6_arm_discount_points":"1.599","offer_7/6_arm_cost_of_discount_points":"5788.38","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":"6.346","offer_10/6_arm_discount_points":"1.385","offer_10/6_arm_cost_of_discount_points":"5013.70","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":"2025-12-23"}.offer_30_years_rate}%`}, LTV 80% is $2170.00 for full Principal and Interest Payments with $5585.66 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_fha_principal_and_interest":"2063.00","offer_30_year_fixed_fha_rate":"5.375","offer_30_year_fixed_fha_apr":"6.097","offer_30_year_fixed_fha_discount_points":"1.364","offer_30_year_fixed_fha_cost_of_discount_points":"4937.68","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":"6.319","offer_20_year_fixed_fha_discount_points":"1.537","offer_20_year_fixed_fha_cost_of_discount_points":"5563.94","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":"5.776","offer_15_year_fixed_fha_discount_points":"1.470","offer_15_year_fixed_fha_cost_of_discount_points":"5321.40","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":"6.056","offer_10_year_fixed_fha_discount_points":"1.470","offer_10_year_fixed_fha_cost_of_discount_points":"5321.40","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":"5.653","offer_30_year_fixed_va_discount_points":"1.323","offer_30_year_fixed_va_cost_of_discount_points":"4789.26","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":"5.765","offer_20_year_fixed_va_discount_points":"1.447","offer_20_year_fixed_va_cost_of_discount_points":"5238.14","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":"2898.00","offer_15_year_fixed_va_rate":"5.000","offer_15_year_fixed_va_apr":"5.473","offer_15_year_fixed_va_discount_points":"1.353","offer_15_year_fixed_va_cost_of_discount_points":"4897.86","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":"3888.00","offer_10_year_fixed_va_rate":"5.000","offer_10_year_fixed_va_apr":"5.676","offer_10_year_fixed_va_discount_points":"1.353","offer_10_year_fixed_va_cost_of_discount_points":"4897.86","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":"6.232","offer_30_years_discount_points":"1.543","offer_30_years_cost_of_discount_points":"5585.66","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":"6.268","offer_25_years_discount_points":"1.599","offer_25_years_cost_of_discount_points":"5788.38","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":"6.161","offer_20_years_discount_points":"1.375","offer_20_years_cost_of_discount_points":"4977.50","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":"5.522","offer_15_years_discount_points":"1.659","offer_15_years_cost_of_discount_points":"6005.58","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":"5.756","offer_10_years_discount_points":"1.386","offer_10_years_cost_of_discount_points":"5017.32","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":"6.255","offer_26_years_discount_points":"1.543","offer_26_years_cost_of_discount_points":"5585.66","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":"6.249","offer_27_years_discount_points":"1.543","offer_27_years_cost_of_discount_points":"5585.66","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":"6.243","offer_28_years_discount_points":"1.543","offer_28_years_cost_of_discount_points":"5585.66","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":"6.237","offer_29_years_discount_points":"1.543","offer_29_years_cost_of_discount_points":"5585.66","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":"6.453","offer_5/6_arm_discount_points":"1.469","offer_5/6_arm_cost_of_discount_points":"5317.78","offer_5/6_arm_total_fee_amount":"5792.20","offer_5/6_arm_property_value":"452500.00","offer_5/6_arm_loan_amount":"362000.00","offer_5/6_arm_upfront_mortgage_insurance":"0.00","offer_7/6_arm_principal_and_interest":"2084.00","offer_7/6_arm_rate":"5.625","offer_7/6_arm_apr":"6.347","offer_7/6_arm_discount_points":"1.599","offer_7/6_arm_cost_of_discount_points":"5788.38","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":"6.346","offer_10/6_arm_discount_points":"1.385","offer_10/6_arm_cost_of_discount_points":"5013.70","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":"2025-12-23"}.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.
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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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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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 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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