What could prevent you from getting a home equity loan?

There are a few things that might prevent you from securing a home equity loan, such as a less-than-ideal credit score (under 680), a high DTI ratio (over 50%), or not enough equity built up in your home (less than 15%). Other factors, like a history of late payments, significant existing debt, or a recent foreclosure, could also be red flags.

Is a HELOC a good idea right now for you?

Whether a HELOC is a good move now depends on your financial situation and the current HELOC rates in Miami. If you need a flexible line of credit for significant expenses and can manage the variable interest rates, a HELOC might be beneficial. However, consider the risks, such as the possibility of losing your home if payments are not made. Be sure to compare offers and terms from multiple lenders.

Do you need an appraisal for a HELOC?

Yes, you usually need an appraisal for a HELOC to determine your home’s current market value. The appraisal process ensures that the lender understands the value of the collateral, which is your home. While appraisals can add to the initial costs, they are necessary to secure a HELOC, and they show that the loan amount is appropriate for your property’s value.

Will a HELOC impact your credit score?

Opening a HELOC may cause a slight dip in your credit score. But if you use your HELOC wisely, making payments on time and not maxing it out, you could see an improvement in your score. Keep in mind that missing payments or maxing out your HELOC could have the opposite effect.

Repayment Amount	Term	Interest Rate	Monthly Payment	Total Interest Paid
$100,000	20 years	8.00%	$836	$100,746
7.00%	$775	$86,072
10 years	8.00%	$1,213	$45,593
7.00%	$1,161	$39,330
$50,000	20 years	8.00%	$418	$50,373
7.00%	$388	$43,036
10 years	8.00%	$607	$22,797
7.00%	$581	$19,665
$25,000	20 years	8.00%	$209	$25,186
7.00%	$194	$21,518
10 years	8.00%	$303	$11,398
7.00%	$290	$9,833

Date	U.S. Rate
9/19/2024	8.00%
7/27/2023	8.50%
5/4/2023	8.25%
3/23/2023	8.00%
2/2/2023	7.75%
12/15/2022	7.50%
11/3/2022	7.00%
9/22/2022	6.25%
7/28/2022	5.50%
6/16/2022	4.75%
5/5/2022	4.00%
3/17/2022	3.50%
3/16/2020	3.25%
3/4/2020	4.25%
10/31/2019	4.75%
9/19/2019	5.00%
8/1/2019	5.25%
12/20/2018	5.5%
9/27/2018	5.25%

Sep

2025

SoFi Unlimited 2% Credit Card Terms & Conditions

By Dana Paltao | Uncategorized | Comments Off

SoFi Unlimited 2% Credit Card Terms & Conditions

SOFI CREDIT CARD TERMS OF OFFER INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases	The standard variable APR for purchases is 29.24%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers	29.24%, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. SoFi is currently accepting Balance Transfers from recipients of promotional offers only. We will inform you when this feature is widely available.
Annual Percentage Rate (APR) for Cash Advances	30.74%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases made during the most recent billing cycle if you pay your entire balance (adjusted for any financing plan, if applicable) in full on or before the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore

FEES
Annual Fee	None
Transaction Fees Balance Transfer Fee Cash Advance Fee	The greater of $10 or 5% of the Balance Transfer The greater of $10 or 5% of the Cash Advance
Penalty Fees Late Payment Fee Returned Payment Fee	Up to $41 None

How We Will Calculate Your Balance

We use the “daily balance” method, including new transactions, to calculate the daily balance on which we will charge interest.

Loss of Introductory APR

We may revoke any promotional APR if you fail to make a payment of at least the minimum payment due within 60 days of the due date. Your new APR will be the Standard Purchase APR.

Variable Rates

Your Daily Periodic Rate(s) and corresponding Annual Percentage Rate(s) will change if the Prime Rate changes. If the Daily Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase, and your minimum payment will be greater. Complete details regarding how the variable rate is determined are set forth in the Cardholder Agreement.

Payment Allocation

We decide how to apply your payment, up to the minimum payment, to the balances on your account. We may apply the minimum payment first to interest charges, then to the balances with the lowest APR, and then to the balances with higher APRs.

If you pay more than the Minimum Payment, we’ll apply the amount over the Minimum Payment, first to the Balance with the highest APR, then to the Balance with the next highest APR, and so on, except as otherwise required by applicable law.

SoFi Unlimited 2% Credit Card Terms & Conditions

The SoFi Unlimited 2% Credit Card is issued by SoFi Bank, N.A. (“SoFi”, “we”, “us”, or “our”). By submitting this application, you request that we establish a card account (“SoFi Credit Card Account”) for you and any authorized users you have designated. You agree that all information provided in this application is verifiable and accurate. The SoFi Credit Card Account will be governed by the terms of the cardholder agreement (“Cardholder Agreement”), which will be provided when the SoFi Credit Card Account is issued.

Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by SoFi Bank, N.A., as issuer. Please allow thirty (30) days from the date of submission to process your application.

You must be at least 18 years of age (or of legal age in your state of residence). The card offer referenced in this communication is only available to individuals who reside in the United States. This communication is not and should not be construed as an offer to individuals outside of the United States.

Identity Verification

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a SoFi Credit Card Account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open a SoFi Credit Card Account. We may also ask to see your driver’s license or other identifying documents and obtain identification information about you or any authorized user you add to your SoFi Credit Card Account.

Credit Reports

Upon completion of your Credit Card application and submission, you authorize us to request a copy of your credit report from one or more consumer agencies. Upon receiving your completed application, we will conduct a soft credit pull, which will not impact your credit score. You hereby authorize us to conduct a soft credit pull upon receipt of your application. You understand that after evaluating your completed application and soft pull credit report, we may determine not to offer credit to you. If we approve your application, we will conduct a hard credit pull, which might impact your credit score. You hereby authorize us to conduct a hard credit pull following the approval of your application.

You authorize us to request credit reports and other information about you from consumer reporting agencies and other sources for such purposes as: (a) determining whether to issue you a SoFi Credit Card Account, (b) administering, reviewing, and renewing the SoFi Card Account, (c) credit line increases or decreases, (d) collection and other servicing of the SoFi Credit Card Account, (e) offering other products, (f) services, and (g) for any other uses permitted by law. We may report negative information about your SoFi Credit Card Account payment history, like delinquencies, to consumer reporting agencies.

Cardholder Agreement

If you are approved for a SoFi Credit Card Account, you’ll receive the Cardholder Agreement. By activating your SoFi Credit Card Account, using the SoFi Unlimited 2% Credit Card or making any payment to your Account, you are agreeing to be bound by the terms of the Cardholder Agreement. We have the right to make changes to the terms of your SoFi Credit Card Account (including rates and fees) in accordance with the Cardholder Agreement.

In New York, this Agreement begins on the first date that you sign a sales slip or memorandum evidencing the purchase of goods or services.

Credit Eligibility

To receive a SoFi Credit Card Account, you must meet certain applicable criteria bearing on creditworthiness. Your revolving credit limit may be determined based on the following:

Your annual salary and wages
Any other annual income
A review of your debt, including the debt listed on your credit report.
A review of your credit history and other factors deemed relevant by the issuer

We’ll inform you of your revolving credit limit when you’re approved for your SoFi Credit Card Account. Some credit limits may be as low as $500.

About Adding An Authorized User

Before adding an authorized user to your SoFi Credit Card Account you should know that:

You’re responsible for all charges made to your SoFi Credit Card Account by the authorized user
Authorized users have access to your SoFi Credit Card Account information
Before adding an authorized user, you must first let them know that we may report SoFi Credit Card Account performance to the credit reporting agencies in the authorized user’s name
A review of your credit history and other factors deemed relevant by the issuer

If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

Additional Information

Any benefit, reward, service, or feature offered in connection with your Card Account may change or be discontinued at any time for any reason except as otherwise expressly indicated. SoFi Bank isn’t responsible for products and services offered by other companies.

SoFi Unlimited 2% Credit Card Rewards Program

With the SoFi Unlimited 2% Credit Card, you can earn rewards points for purchases made using your card, and you can redeem those points for statement credits, rewards offered through the SoFi Member Rewards Program, or other rewards offered from time to time. More details onSoFi Unlimited 2% Credit Card Rewards can be found here.

SoFi Member Rewards Program

As a SoFi Member, you can earn points by using features across SoFi products that are designed to help you Get Your Money Right. When you elect to redeem Rewards Points toward active SoFi accounts, including but not limited to your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your Rewards Points will redeem at a rate of 1 cent per every point.

Mastercard World Benefits

You are also eligible for more rewards through the Mastercard World Elite Benefits program when shopping with eligible merchants. More details on the Mastercard World Elite Benefits program can be found here.

Fraud, Misuse, Abuse, or Suspicious Activity

If we see evidence of fraud, misuse, abuse, or suspicious activity, we’ll investigate and, if we determine that fraud, misuse or abuse has occurred, we may take action against you. This action may include, without limitation and without prior notice:

Taking away the rewards points you earned because of fraud, misuse, or abuse
Suspending or closing your SoFi Credit Card Account
Taking legal action to recover our monetary losses, including litigation costs and damages

Some examples of fraud, misuse, abuse and suspicious activity include:

Using your SoFi Credit Card Account in an abusive manner for the primary purpose of acquiring rewards points
Using your SoFi Credit Card Account other than primarily for personal, consumer, or household purposes

SoFi Bank reserves the right to take action, including but not limited to those actions enumerated above, based on your activity across any SoFi product, as well as external information received from SoFi third-party vendors, external bureaus, or industry referrals.

Special Notices

California Residents:
If married, you may apply for a separate account.

Delaware Residents:
Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Ohio Residents:
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

Wisconsin Residents:
If you are applying for individual credit or joint credit with someone other than your spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse’s financial information. No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under section 766.70 adversely affects the interest of the lender, unless the lender, prior to the time credit is granted, is furnished a copy of the agreement, statement of decree or has actual knowledge of the adverse provision when the obligation to the lender is incurred. If married, you understand that your lender must inform your spouse if a credit account is opened for you.

Additional documents

As a reminder, the SoFi Unlimited 2% Credit Card is a completely digital product. All written communications related to the card will be online or in electronic format. The following is a link to the SoFi Esign terms and conditions that you must agree to in connection with your application for the SoFi Unlimited 2% Credit Card.

Sep

2025

Current 15-Year Fixed Mortgage Rate Today

By Dana Paltao | 1_Web_ML, mortgage | Comments Off

15-Year Fixed Mortgage Rate

Check out our
current 15-year
fixed mortgage rate.

A 15-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 15-year fixed mortgage rate today.

View your rate

Checking won’t affect your credit score.

{/* current rate */}

Current 15-year
fixed
mortgage rate.

Take a look at today’s 15-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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LTV 80% is $3862.00 for full Principal and Interest Payments with $5172.98 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5162.12","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.640","offer_10_years_discount_points":"1.429","offer_10_years_cost_of_discount_points":"5172.98","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":"6.250","offer_26_years_discount_points":"1.497","offer_26_years_cost_of_discount_points":"5419.14","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.244","offer_27_years_discount_points":"1.497","offer_27_years_cost_of_discount_points":"5419.14","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.238","offer_28_years_discount_points":"1.497","offer_28_years_cost_of_discount_points":"5419.14","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.233","offer_29_years_discount_points":"1.497","offer_29_years_cost_of_discount_points":"5419.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.493","offer_5/6_arm_discount_points":"1.456","offer_5/6_arm_cost_of_discount_points":"5270.72","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":"6.426","offer_7/6_arm_discount_points":"1.406","offer_7/6_arm_cost_of_discount_points":"5089.72","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.310","offer_10/6_arm_discount_points":"1.615","offer_10/6_arm_cost_of_discount_points":"5846.30","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":"2025-12-16"}.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":"6.007","offer_30_year_fixed_fha_discount_points":"1.763","offer_30_year_fixed_fha_cost_of_discount_points":"6382.06","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":"6.318","offer_20_year_fixed_fha_discount_points":"1.524","offer_20_year_fixed_fha_cost_of_discount_points":"5516.88","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":"5.766","offer_15_year_fixed_fha_discount_points":"1.408","offer_15_year_fixed_fha_cost_of_discount_points":"5096.96","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":"6.042","offer_10_year_fixed_fha_discount_points":"1.408","offer_10_year_fixed_fha_cost_of_discount_points":"5096.96","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":"5.563","offer_30_year_fixed_va_discount_points":"1.723","offer_30_year_fixed_va_cost_of_discount_points":"6237.26","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":"5.747","offer_20_year_fixed_va_discount_points":"1.305","offer_20_year_fixed_va_cost_of_discount_points":"4724.10","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":"5.371","offer_15_year_fixed_va_discount_points":"1.506","offer_15_year_fixed_va_cost_of_discount_points":"5451.72","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":"5.584","offer_10_year_fixed_va_discount_points":"1.506","offer_10_year_fixed_va_cost_of_discount_points":"5451.72","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":"6.228","offer_30_years_discount_points":"1.497","offer_30_years_cost_of_discount_points":"5419.14","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.263","offer_25_years_discount_points":"1.552","offer_25_years_cost_of_discount_points":"5618.24","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":"6.157","offer_20_years_discount_points":"1.343","offer_20_years_cost_of_discount_points":"4861.66","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":"5.485","offer_15_years_discount_points":"1.426","offer_15_years_cost_of_discount_points":"5162.12","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.640","offer_10_years_discount_points":"1.429","offer_10_years_cost_of_discount_points":"5172.98","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":"6.250","offer_26_years_discount_points":"1.497","offer_26_years_cost_of_discount_points":"5419.14","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.244","offer_27_years_discount_points":"1.497","offer_27_years_cost_of_discount_points":"5419.14","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.238","offer_28_years_discount_points":"1.497","offer_28_years_cost_of_discount_points":"5419.14","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.233","offer_29_years_discount_points":"1.497","offer_29_years_cost_of_discount_points":"5419.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.493","offer_5/6_arm_discount_points":"1.456","offer_5/6_arm_cost_of_discount_points":"5270.72","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":"6.426","offer_7/6_arm_discount_points":"1.406","offer_7/6_arm_cost_of_discount_points":"5089.72","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.310","offer_10/6_arm_discount_points":"1.615","offer_10/6_arm_cost_of_discount_points":"5846.30","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":"2025-12-16"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $5162.12 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5162.12","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.640","offer_10_years_discount_points":"1.429","offer_10_years_cost_of_discount_points":"5172.98","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":"6.250","offer_26_years_discount_points":"1.497","offer_26_years_cost_of_discount_points":"5419.14","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.244","offer_27_years_discount_points":"1.497","offer_27_years_cost_of_discount_points":"5419.14","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.238","offer_28_years_discount_points":"1.497","offer_28_years_cost_of_discount_points":"5419.14","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.233","offer_29_years_discount_points":"1.497","offer_29_years_cost_of_discount_points":"5419.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.493","offer_5/6_arm_discount_points":"1.456","offer_5/6_arm_cost_of_discount_points":"5270.72","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":"6.426","offer_7/6_arm_discount_points":"1.406","offer_7/6_arm_cost_of_discount_points":"5089.72","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.310","offer_10/6_arm_discount_points":"1.615","offer_10/6_arm_cost_of_discount_points":"5846.30","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":"2025-12-16"}.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":"6.007","offer_30_year_fixed_fha_discount_points":"1.763","offer_30_year_fixed_fha_cost_of_discount_points":"6382.06","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":"6.318","offer_20_year_fixed_fha_discount_points":"1.524","offer_20_year_fixed_fha_cost_of_discount_points":"5516.88","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":"5.766","offer_15_year_fixed_fha_discount_points":"1.408","offer_15_year_fixed_fha_cost_of_discount_points":"5096.96","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":"6.042","offer_10_year_fixed_fha_discount_points":"1.408","offer_10_year_fixed_fha_cost_of_discount_points":"5096.96","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":"5.563","offer_30_year_fixed_va_discount_points":"1.723","offer_30_year_fixed_va_cost_of_discount_points":"6237.26","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":"5.747","offer_20_year_fixed_va_discount_points":"1.305","offer_20_year_fixed_va_cost_of_discount_points":"4724.10","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":"5.371","offer_15_year_fixed_va_discount_points":"1.506","offer_15_year_fixed_va_cost_of_discount_points":"5451.72","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":"5.584","offer_10_year_fixed_va_discount_points":"1.506","offer_10_year_fixed_va_cost_of_discount_points":"5451.72","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":"6.228","offer_30_years_discount_points":"1.497","offer_30_years_cost_of_discount_points":"5419.14","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.263","offer_25_years_discount_points":"1.552","offer_25_years_cost_of_discount_points":"5618.24","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":"6.157","offer_20_years_discount_points":"1.343","offer_20_years_cost_of_discount_points":"4861.66","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":"5.485","offer_15_years_discount_points":"1.426","offer_15_years_cost_of_discount_points":"5162.12","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.640","offer_10_years_discount_points":"1.429","offer_10_years_cost_of_discount_points":"5172.98","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":"6.250","offer_26_years_discount_points":"1.497","offer_26_years_cost_of_discount_points":"5419.14","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.244","offer_27_years_discount_points":"1.497","offer_27_years_cost_of_discount_points":"5419.14","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.238","offer_28_years_discount_points":"1.497","offer_28_years_cost_of_discount_points":"5419.14","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.233","offer_29_years_discount_points":"1.497","offer_29_years_cost_of_discount_points":"5419.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.493","offer_5/6_arm_discount_points":"1.456","offer_5/6_arm_cost_of_discount_points":"5270.72","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":"6.426","offer_7/6_arm_discount_points":"1.406","offer_7/6_arm_cost_of_discount_points":"5089.72","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.310","offer_10/6_arm_discount_points":"1.615","offer_10/6_arm_cost_of_discount_points":"5846.30","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":"2025-12-16"}.offer_20_years_rate}%`}, LTV 80% is $2567.00 for full Principal and Interest Payments with $4861.66 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"5162.12","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.640","offer_10_years_discount_points":"1.429","offer_10_years_cost_of_discount_points":"5172.98","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":"6.250","offer_26_years_discount_points":"1.497","offer_26_years_cost_of_discount_points":"5419.14","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.244","offer_27_years_discount_points":"1.497","offer_27_years_cost_of_discount_points":"5419.14","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.238","offer_28_years_discount_points":"1.497","offer_28_years_cost_of_discount_points":"5419.14","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.233","offer_29_years_discount_points":"1.497","offer_29_years_cost_of_discount_points":"5419.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.493","offer_5/6_arm_discount_points":"1.456","offer_5/6_arm_cost_of_discount_points":"5270.72","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":"6.426","offer_7/6_arm_discount_points":"1.406","offer_7/6_arm_cost_of_discount_points":"5089.72","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.310","offer_10/6_arm_discount_points":"1.615","offer_10/6_arm_cost_of_discount_points":"5846.30","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":"2025-12-16"}.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":"6.007","offer_30_year_fixed_fha_discount_points":"1.763","offer_30_year_fixed_fha_cost_of_discount_points":"6382.06","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":"6.318","offer_20_year_fixed_fha_discount_points":"1.524","offer_20_year_fixed_fha_cost_of_discount_points":"5516.88","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":"5.766","offer_15_year_fixed_fha_discount_points":"1.408","offer_15_year_fixed_fha_cost_of_discount_points":"5096.96","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":"6.042","offer_10_year_fixed_fha_discount_points":"1.408","offer_10_year_fixed_fha_cost_of_discount_points":"5096.96","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":"5.563","offer_30_year_fixed_va_discount_points":"1.723","offer_30_year_fixed_va_cost_of_discount_points":"6237.26","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":"5.747","offer_20_year_fixed_va_discount_points":"1.305","offer_20_year_fixed_va_cost_of_discount_points":"4724.10","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":"5.371","offer_15_year_fixed_va_discount_points":"1.506","offer_15_year_fixed_va_cost_of_discount_points":"5451.72","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":"5.584","offer_10_year_fixed_va_discount_points":"1.506","offer_10_year_fixed_va_cost_of_discount_points":"5451.72","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":"6.228","offer_30_years_discount_points":"1.497","offer_30_years_cost_of_discount_points":"5419.14","offer_30_years_total_fee_amount":"5792.20","offer_30_years_property_value":"452500.00","offer_30_years_loan_amount":"362000.00","offer_30_years_upfront_mortgage_insurance":"0.00","offer_25_years_principal_and_interest":"2332.00","offer_25_years_rate":"6.000","offer_25_years_apr":"6.263","offer_25_years_discount_points":"1.552","offer_25_years_cost_of_discount_points":"5618.24","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":"6.157","offer_20_years_discount_points":"1.343","offer_20_years_cost_of_discount_points":"4861.66","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":"5.485","offer_15_years_discount_points":"1.426","offer_15_years_cost_of_discount_points":"5162.12","offer_15_years_total_fee_amount":"5792.20","offer_15_years_property_value":"452500.00","offer_15_years_loan_amount":"362000.00","offer_15_years_upfront_mortgage_insurance":"0.00","offer_10_years_principal_and_interest":"3862.00","offer_10_years_rate":"5.125","offer_10_years_apr":"5.640","offer_10_years_discount_points":"1.429","offer_10_years_cost_of_discount_points":"5172.98","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":"6.250","offer_26_years_discount_points":"1.497","offer_26_years_cost_of_discount_points":"5419.14","offer_26_years_total_fee_amount":"5792.20","offer_26_years_property_value":"452500.00","offer_26_years_loan_amount":"362000.00","offer_26_years_upfront_mortgage_insurance":"0.00","offer_27_years_principal_and_interest":"2258.83","offer_27_years_rate":"6.000","offer_27_years_apr":"6.244","offer_27_years_discount_points":"1.497","offer_27_years_cost_of_discount_points":"5419.14","offer_27_years_total_fee_amount":"5792.20","offer_27_years_property_value":"452500.00","offer_27_years_loan_amount":"362000.00","offer_27_years_upfront_mortgage_insurance":"0.00","offer_28_years_principal_and_interest":"2226.75","offer_28_years_rate":"6.000","offer_28_years_apr":"6.238","offer_28_years_discount_points":"1.497","offer_28_years_cost_of_discount_points":"5419.14","offer_28_years_total_fee_amount":"5792.20","offer_28_years_property_value":"452500.00","offer_28_years_loan_amount":"362000.00","offer_28_years_upfront_mortgage_insurance":"0.00","offer_29_years_principal_and_interest":"2197.36","offer_29_years_rate":"6.000","offer_29_years_apr":"6.233","offer_29_years_discount_points":"1.497","offer_29_years_cost_of_discount_points":"5419.14","offer_29_years_total_fee_amount":"5792.20","offer_29_years_property_value":"452500.00","offer_29_years_loan_amount":"362000.00","offer_29_years_upfront_mortgage_insurance":"0.00","offer_5/6_arm_principal_and_interest":"2084.00","offer_5/6_arm_rate":"5.625","offer_5/6_arm_apr":"6.493","offer_5/6_arm_discount_points":"1.456","offer_5/6_arm_cost_of_discount_points":"5270.72","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":"6.426","offer_7/6_arm_discount_points":"1.406","offer_7/6_arm_cost_of_discount_points":"5089.72","offer_7/6_arm_total_fee_amount":"5792.20","offer_7/6_arm_property_value":"452500.00","offer_7/6_arm_loan_amount":"362000.00","offer_7/6_arm_upfront_mortgage_insurance":"0.00","offer_10/6_arm_principal_and_interest":"2113.00","offer_10/6_arm_rate":"5.750","offer_10/6_arm_apr":"6.310","offer_10/6_arm_discount_points":"1.615","offer_10/6_arm_cost_of_discount_points":"5846.30","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":"2025-12-16"}.offer_30_years_rate}%`}, LTV 80% is $2170.00 for full Principal and Interest Payments with $5419.14 due at closing. The Annual Percentage Rate is 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No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

All information in the primary residence payment examples listed above — including interest rates, payments, terms, and availability — is for informational purposes only and is subject to change without notice.

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Beyond a 15-year fixed mortgage option, SoFi also
offers 10-, 20-, and 30-year fixed-rate mortgage loans.
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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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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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Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.

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fixed-rate mortgages.

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Dive into these articles to learn more.

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FAQs

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

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

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

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

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

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

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

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

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

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

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

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

Can I refinance to a 15-year mortgage?

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

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Sep

2025

Business Loan Calculator

By Wesley Yu | Uncategorized | Comments Off

Business Loan Calculator

By Lauren Ward | Updated September 15, 2025

Navigating the world of business loans can be complex, but our business loan calculator simplifies the process. Use this tool to estimate your monthly payments, total interest, and overall loan cost, helping you make informed financial decisions for your business.

How to Use Our Business Loan Calculator

Using a business loan calculator is straightforward. Follow this guide to get the most accurate results.

Step One: Choose a Loan Amount

Select a loan amount between $5,000 and $100,000. Simply drag the slider to your chosen amount.

Step Two: Input Your Annual Interest Rate

To understand the cost of your loan, you’ll need to enter in a business loan interest rate. Your own rate will vary depending on your business and personal credit scores, as well as other factors.

Step Three: Choose a Loan Term

The loan term is the length of time you’ll make payments. Terms range between one and 10 years. This is one of the best uses of a small business loan calculator because it can quickly show you how much your payments will change with different term lengths. You can also see how much you’ll pay or save in interest with different terms.

Step Four: Enter Origination Fee

The origination fee is a one-time fee charged by the lender. The amount you’ll pay will depend on various factors, such as your loan amount and credit risk. It typically ranges from 1% to 5% of the loan.

Grow Your Business the Right Way

Explore small business funding options in one place with no impact to your credit score.†

Explore funding options

Understanding the Calculator Results

Once you’ve entered in the above information, the business loan payment calculator will give you four pieces of information:

• Estimated monthly payment

• Total interest paid

• Origination fee amount

• Total repayment amount

Keep in mind that your origination fee will most likely get subtracted from your total amount borrowed. If you have an exact amount needed, you may need to borrow more than you originally planned.

The total repayment amount is calculated by adding the origination fee, total interest, and the loan amount. You can tweak your loan term to change your estimated monthly payment amount. A shorter loan term will require a higher monthly payment, but you’ll save in interest over the life of the loan.

Tips for Adjusting Loan Parameters

There are a few things to keep in mind when adjusting your loan characteristics in the calculator.

First, remember to play around with different loan terms. This feature affects both your monthly payment and total interest paid. To determine which loan term you should choose, look at your expected monthly revenue. Your monthly payment should be lower than your revenue with some cushion factored in.

Once you understand your monthly payment with a business loan, you may want to compare it with other types of financing, such as a line of credit.

Types of Business Loans

A business loan calculator can help you estimate the cost of an installment loan spread out over a set period of time. These can be structured in different ways, and you can also explore other types of business loans to grow your company.

There are four common types of business financing to consider.

Small Business Loans

Small business loans are installment loans and can be found through banks, credit unions, and online lenders. Once approved, the business receives a one-time lump sum of money. Like a personal loan, the business loan’s principal is repaid over time, usually in equal installments.

A small business loan can be secured with collateral or unsecured. There’s also flexibility with interest rates; while usually fixed, you may also find variable options. In order to qualify, you typically need to meet revenue, credit score, and time in business requirements.

Benefits:

• Easy to budget with fixed installment payments

• Funds can be used with minimal restrictions

• Larger loan amounts and longer repayment terms

Equipment Financing

Equipment financing is used to pay for specific equipment purchases. It’s secured by the asset you’re buying and you could finance up to 100% of the purchase price. Often, you can also roll in soft costs, such as taxes or delivery fees.

Benefits:

• Many business expenses qualify as equipment, not just heavy machinery

• Rates are often favorable because the loan is secured by your purchase

• Business capital reserves remain intact

Business Lines of Credit

A business line of credit gives you ongoing access to financing instead of a single lump sum. You can repay the outstanding balance to replenish your credit line and borrow again at a later date.

Benefits:

• Ongoing access to capital for emergencies or growth opportunities

• Streamline uneven cash flow

• Only pay interest on your unpaid balance

Microloans

Microloans are small installment loans that can help startups and fledgling businesses get access to credit. The eligibility standards for microloans are usually less stringent than other loan options and can get you working capital sooner.

Most private lenders and SBA lenders usually offer microloans of up to $50,000, while the average SBA microloan is $13,000. The repayment period is usually shorter, allowing you to get out of debt faster.

Benefits:

• Lower revenue and time in business requirements

• Available through either the SBA or private lenders

• Funds can be used for flexible purposes

Which Loan Type Is Right for You?

Before you apply for a business loan, look at the eligibility requirements and the financing structure to find the right fit. Equipment financing, for example, can come with favorable terms, but you’ll actually have less flexibility in how you use the funds than with the other types of loans.

A microloan is best suited for newer companies with limited startup capital. A business line of credit, on the other hand, could be beneficial for seasonal businesses with uneven cash flow throughout the year.

Just as with any type of financing, compare multiple lenders to look at loan terms, interest rates, and fees that could impact the final cost.

Alternative Ways to Finance Your Business

Looking for access to capital that’s not through a traditional business loan? Consider crowdfunding or grants.

Business crowdfunding lets you take your business to the public and raise funds with contributions. Oftentimes, you may pledge product or equity in exchange for upfront cash.

Business grants are competitive, but come with the major benefit that you’re not required to pay back the funds. Search for grants that you’re eligible for, whether by industry or owner demographic.

Apply for a Small Business Loan

Using a business loan calculator is a straightforward yet powerful way to gain clarity and confidence in your business financial planning. By inputting details such as the loan amount, interest rate, and repayment term, you can quickly see an estimate of your monthly payments and total interest costs.

If you’re seeking financing for your business, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your business in minutes.

With one simple search, see if you qualify and explore quotes for your business.

See funding options

FAQ

What are typical interest rates for business loans?

Business loan interest rates vary based on factors like your business, loan amount, broader rates, and collateral. The type of lender also affects your rate. SBA interest, for instance, ranges from 11% to 16%, while an online term loan can go anywhere from 6% to 75%.

How does my credit score affect my ability to get a business loan?

Your personal and business credit scores significantly impact your ability to get a business loan. A higher score improves your chances of approval and can secure better interest rates and terms, while a lower score may limit your options or result in higher costs.

What documents do I typically need to apply for a business loan?

Most business loan applications require a fair amount of documentation, including:

• Bank statements

• Tax returns

• Legal documents

• Personal identification

• Business plan

• Revenue statements

• Accounts receivable and payable

What’s the main difference between a term loan and a line of credit?

A term loan provides the business with a one-time lump sum of cash. The principal and interest are usually repaid in fixed installments over time. A line of credit, on the other hand, provides access to a credit line. Funds can be withdrawn at any time during the draw period. Interest is only charged on the balance.

How can I improve my chances of getting approved for a business loan?

To improve your chances of getting approved for a business loan, enhance your credit score, provide a solid business plan, demonstrate strong financial health, and show a clear need for the funds. Additionally, consider building relationships with lenders and having all required documentation ready.

SoFi's marketplace is owned and operated by SoFi Lending Corp.

Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

This content is provided for informational and educational purposes only and should not be construed as financial advice.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOSMB-Q325-013

SoFi receives compensation in the event you obtain a loan, financial product, or service through SoFi’s marketplace. This webpage is owned and operated by SoFi Lending Corp., licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS number 1121636. ((www.nmlsconsumeraccess.org)). This page is NOT operated by SoFi Bank. Loans, financial products, and services may not be available in all states. All loan terms, including interest rate, and Annual Percentage Rate (APR), and monthly payments shown through SoFi’s marketplace are from providers and are estimates based upon the limited information you provided and are for informational purposes only. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion. Estimated APR includes all applicable fees as required under the Truth in Lending Act. The actual loan terms you receive, including APR, will depend on the provider you select, their underwriting criteria, and your personal financial factors. The loan terms and rates presented are provided by the providers and not by SoFi Lending Corp. Please review each provider’s Terms and Conditions for additional details.
*Small Business Loans: Reference to “same day funding” or “funding within 24 hours” describes a general capability of many lenders you can reach through SoFi’s marketplace. Funding or funding timing is not guaranteed. Your experience with any lender will vary based on requirements of the lender and the loan you apply for. To determine the timing of funds availability, you must inquire directly with any lender. In addition, your access to any funds from a loan may be dependent on your bank’s ability to clear a transfer and make funds available.
†Credit score impact: To check the options, terms, and/or rates you may qualify for, SoFi and/or its network providers will conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the provider(s) you choose will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Rates may not be available from all providers.
©2025 SoFi Lending Corp. All rights reserved.

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Sep

2025

Current Fixed Mortgage Interest Rates Today TEST

By Dana Paltao | Uncategorized | Comments Off

{/*hero*/}

FIXED MORTGAGE RATES

Buy a home on your terms
with a fixed-rate mortgage.

A fixed-rate mortgage features consistent,
predictable monthly payments
that never
change over the life of the loan.

Check out our current fixed mortgage rates
and view your rate today.

View your rate

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{/*rates table*/}

Today’s fixed mortgage rates.

See if one of today’s fixed mortgage
rates could suit your needs.

All APRs are updated daily.

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{/*how to qualify*/}

How to qualify for the best fixed-rate mortgage.

Improve your credit score:
A higher credit score could
lead to a lower
interest rate as it indicates to lenders that
you’re more likely to make mortgage payments.
Opt for a short-term loan:
Short-term loans, such as a 15-year mortgage,
are less risky and result in less interest paid
overall, although monthly payments may be higher.
Buy down your interest rate:
Paying a one-time fee at closing,
known as a
buydown, can secure a lower interest rate,
with each
mortgage point typically
costing 1% of the mortgage amount.

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Learn more about fixed-rate mortgages.

Thinking about a SoFi fixed-rate mortgage? Dive into these articles to learn more.

{/* FAQs */}

FAQs

What is a fixed mortgage rate?

A fixed mortgage rate is an interest rate that stays the same for the entire duration of the loan. This provides a stable and predictable monthly payment for the life of the mortgage. It is a popular choice for borrowers who want financial predictability and a consistent budget.

How long is the rate locked for?

A fixed mortgage rate is locked for the entire term of the loan, whether it’s 10, 15, 20, or 30 years. This means your interest rate will not change, and your principal and interest payment will remain the same throughout the life of the mortgage.

What is the difference between an adjustable-rate and a fixed-rate mortgage?

The primary difference lies in the interest rate. An adjustable-rate mortgage (ARM) has an interest rate that can change after an initial fixed period, causing monthly payments to fluctuate. A fixed-rate mortgage, on the other hand, has a constant interest rate and a predictable monthly payment for the entire loan term.

How do today’s fixed mortgage rates compare historically?

Today’s fixed mortgage rates fluctuate based on various economic factors. Historically, rates have seen significant highs and lows, so it’s important to compare current rates to a long-term average to understand their context. Today’s rates are influenced by the Federal Reserve’s policies, inflation, and the overall economic climate.

What factors affect fixed mortgage rates today?

Many factors influence fixed mortgage rates, including the Federal Reserve’s monetary policy and the bond market. Lenders also consider individual borrower characteristics like credit score, debt-to-income ratio, and down payment amount. The overall economic outlook and inflation also play a significant role in determining mortgage rates.

Can you refinance a fixed mortgage?

Yes, you can refinance a fixed mortgage. Homeowners often choose to refinance to a new fixed mortgage to secure a lower interest rate, shorten the loan term, or tap into their home’s equity. Refinancing requires you to apply for a new loan, which will come with its own closing costs and fees.

See more FAQs

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Get your fixed mortgage rate today.

View your rate on a fixed-rate
mortgage with no impact to your credit
score—and take the first step toward
your homeownership ambitions.

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SoFi Blog

Tips and news—for your financial moves.

Compare HELOC rates in Miami.

Introduction to HELOC Rates

What Is a HELOC?

The Draw Period

The Repayment Period

Where Do HELOC Interest Rates Originate?

How Interest Rates Impact HELOC Affordability

Variable vs. Fixed Interest Rates

HELOC Interest Rate Trends

Helpful Tools & Calculators

How to Qualify for a Competitive HELOC Rate

Improve Your Credit Score

Calculate Your Debt-to-Income Ratio (DTI)

Current HELOC rates by state.

Application Process for a HELOC in Miami

Step 1: Run the Numbers

Step 2: Compare Lenders

Step 3: Submit Your Application

Step 4: Get an Appraisal

Step 5: Prepare for Closing

Closing Costs and Fees

Tax Benefits and Considerations

Alternatives to HELOCs

Home Equity Loan

Cash-Out Refinance

Personal Loan

The Takeaway

FAQ

What could prevent you from getting a home equity loan?

Is a HELOC a good idea right now for you?

Do you need an appraisal for a HELOC?

Will a HELOC impact your credit score?

More HELOC resources.

SoFi Unlimited 2% Credit Card Terms & Conditions

How We Will Calculate Your Balance

Loss of Introductory APR

Variable Rates

Payment Allocation

SoFi Unlimited 2% Credit Card Terms & Conditions

Identity Verification

Credit Reports

Cardholder Agreement

Credit Eligibility

About Adding An Authorized User

Additional Information

SoFi Unlimited 2% Credit Card Rewards Program

SoFi Member Rewards Program

Mastercard World Benefits

Fraud, Misuse, Abuse, or Suspicious Activity

Special Notices

Additional documents

Current 15-year fixed mortgage rate.

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Business Loan Calculator

How to Use Our Business Loan Calculator

Step One: Choose a Loan Amount

Step Two: Input Your Annual Interest Rate

Step Three: Choose a Loan Term

Step Four: Enter Origination Fee

Grow Your Business the Right Way

Understanding the Calculator Results

Tips for Adjusting Loan Parameters

Types of Business Loans

Small Business Loans

Equipment Financing

Business Lines of Credit

Microloans

Which Loan Type Is Right for You?

Alternative Ways to Finance Your Business

Apply for a Small Business Loan

FAQ

Tips and news—
for your financial moves.

Current 15-year
fixed
mortgage rate.

Compare fixed
mortgage rates.

Calculate your 15-year
fixed-rate mortgage payment.

Learn more about
fixed-rate mortgages.

Get your 15-year
fixed mortgage rate
today.