Free Delaware Home Mortgage Loan Calculator
Delaware Mortgage Calculator
By SoFi Editors | Updated September 24, 2025
Getting a mortgage in Delaware is easier when you’ve done your homework in advance. Put a few basic facts into this Delaware mortgage calculator and you’ll learn the monthly payment amount and total interest cost for your home purchase. You can also use the calculator to try out different scenarios to find the home price, down payment, and interest rate that are the best combo for you.
Key Points
• A Delaware mortgage calculator will help you estimate your monthly payments and the total costs of taking on a home loan.
• Key factors that influence your mortgage payment include the home price, your down payment amount, the interest rate, and loan term.
• The calculator can help you as a buyer determine a home’s affordability, and assess the impact of various loan terms and interest rates.
• Many lenders recommend that you choose a property that lets you keep mortgage payments under 28% of your gross monthly income.
• Tips to reduce your mortgage payment once you own a home include stopping private mortgage insurance, refinancing, and appealing the property taxes.
Delaware Mortgage Calculator
Calculator Definitions
• Home price: This is the purchase price that you and the home seller mutually agree upon. The amount might differ from the real estate listing price and the initial offer you make as a buyer.
• Down payment: This is the amount you pay upfront as a homebuyer. Down payment amounts are often expressed as a percentage of the home price. Some first-time buyers might put down as little as 3%. You can use a down payment calculator to explore different amounts that might work for you.
• Loan term: The loan term represents the length of time you will have to repay your home loan — usually between 10 and 30 years. A shorter term can lead to higher monthly payments, but also requires you to pay less interest overall. A longer term means lower monthly payments but more total interest paid.
• Interest rate: The interest rate is what you pay to borrow the money to buy a home, expressed as a percentage of the total loan amount. Interest rates can vary based on borrower qualifications, market trends, and the type of mortgage loan.
• Annual property tax: Property taxes are levied by the local government on land and buildings within their jurisdictions. This type of tax is usually expressed as a percentage of the assessed value of the property.
• Monthly payment: This is the payment you must make on your home loan monthly. It always includes a portion of the principal loan amount, with accrued interest added in. This calculator also factors in property tax. Other costs that might increase your monthly payment are private mortgage insurance (PMI), homeowners insurance, and homeowners association (HOA) fees.
• Total interest paid: This is the cumulative interest that a borrower pays over a home loan’s duration. It is influenced by both the interest rate and the loan term.
• Total loan cost: This amount includes the principal amount borrowed and all accrued interest, added up to arrive at the loan cost over the entire life of the loan.
How to Use the Delaware Mortgage Calculator
Step 1: Enter the Home Price
Input the agreed-upon purchase price. This figure will help the calculator estimate your potential home loan payments and overall costs.
Step 2: Select a Down Payment Amount
Choose the percent of the home price you’ll pay upfront. The larger the down payment you make, the lower your monthly payments and total interest paid will be.
Step 3: Choose a Loan Term
Most borrowers select a 15- or 30-year term. A 30-year term generally gives you lower monthly payments to make, while a 15-year term reduces the amount of total interest you’ll pay.
Step 4: Enter an Interest Rate
Type in your desired interest rate to the second or third decimal. This number impacts both your monthly payment and the total cost of the loan.
Step 5: Add Your Property Tax Rate
Enter the property tax as a percentage to help estimate your monthly mortgage payment including property taxes. You can find your effective tax rate by searching for your county, city, or ZIP code and “effective property tax rate.” Or use the average for Delaware of 0.48%.
Recommended: The Cost of Living in the U.S.
Benefits of Using a Mortgage Payment Calculator
A mortgage calculator helps you to estimate monthly payments on a home loan based on home price, loan amount, interest rate, and loan term. When you factor in the local property tax rate, it can give you a rather clear picture of total homeownership costs.
If you are working on buying your first home, it’s helpful if you put different scenarios into a mortgage calculator. This can help you see how choices you make may influence your expenses, both from month to month and in the long run. You will obtain a helpful understanding of the downstream effects of different down payment amounts.
If you choose a type of mortgage loan that has a variable interest rate, you can estimate your costs using this calculator, too. But be aware that the estimate will be less precise, thanks to the fluctuations of that variable rate.
Deciding How Much House You Can Afford
The median home sale price in Delaware in mid-2025 was a fairly affordable $366,100, below the U.S. average of more than $440,000, as reported by Redfin. So you may be able to find more for your money in Delaware.
Lenders recommend that you make efforts to keep your home loan payment at 28% or less of your gross monthly income. To buy a $350,000 home with a 20% down payment ($70,000) and a 30-year mortgage at 7.00%, you’d need a minimum income around $90,000. And you’d have to earn more income if your down payment was smaller, or if you were carrying other debt. Your monthly mortgage payment would be just under $2,100.
You can also try out a home affordability calculator. This widget will let you work backward from your annual income, factoring in your average monthly expenses for one person and your debts, to arrive at an ideal home price for you.
Another way to zoom in on how much house you can afford is to embark with a lender on the mortgage preapproval process. You’ll need to submit detailed financial information and follow the steps. If you qualify, the lender will inform you of the approved amount of your loan and an estimated interest rate.
Components of a Mortgage Payment
The two main parts of almost any mortgage payment are your principal — the lump sum you borrowed to buy the home — and the interest, which amounts to what the lender charges to lend you that principal amount. A Delaware mortgage calculator factors in property taxes as well. If you begin with a down payment under 20% of the home price, you’ll also have to pay for PMI. Some buyers need to fork over homeowners association (HOA) fees, too. You may be able to tack these on to your monthly payment.
A home purchase funded by a Federal Housing Administration (FHA) loan will have both upfront and annual costs for mortgage insurance premiums — if you’re exploring one of these programs, use an FHA mortgage calculator. And if you’re thinking about applying for a U.S. Department of Veterans Affairs (VA) mortgage, you’ll also find a custom VA mortgage calculator that you can try.
Current mortgage rates by state.
Compare current home interest rates by state and find a mortgage rate that suits your financial goals.
Select a state to view current rates:
Cost of Living in Delaware
Delaware’s cost of living may significantly influence how much house you’ll be able to afford there. Fortunately, the state has a fairly average cost of living, weighing in at 101.9% of the U.S. average, Missouri Economic Research and Information Center data shows. Health-related costs run a little higher than average for the country, while housing expenses are below average. Some properties here will require the borrower to obtain a jumbo loan, though.
Of the three major metro areas, Dover is the least expensive at 95.9% of the U.S. composite index. Salisbury, another larger city, scores 102.2%, and Wilmington 104.3%. But for bargain living, you’ll want to put down roots in Smyrna, Middletown, Pike Creek, or one of the other best affordable places in the U.S. located here.
| Delaware Cities’ Cost-of-Living Stats | |
|---|---|
| Dover | 95.9% |
| Salisbury | 102.2% |
| Wilmington | 104.3% |
Run the numbers on your home loan.
-
Mortgage calculator
Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.
-
Down payment calculator
Enter a few details about your home loan and we’ll provide your monthly mortgage payment.
-
Home affordability calculator
Provide us with a few details and see how much you can afford to spend on a home purchase.
Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.
Tips on Reducing Your Mortgage Payment
When you own a home, you aren’t necessarily stuck with the same monthly payment for the duration — you have some power to drive down the amount. Check out this list of options:
• Ask your lender to drop private mortgage insurance (PMI) once you’ve attained 20% equity.
• Recast your mortgage. You can do this by making a lump sum payment to reduce the principal, and then asking the lender to recompute your payments.
• A mortgage refinance can get you down to a lower interest rate, which will save you money. Before arriving at a decision about doing this, make sure you compare all-in expenses, including closing costs.
• Consider appealing your property tax assessment with a goal of lowering your tax bill. If you do this, exercise caution — especially if you have made significant improvements to the property, a reassessment could actually result in you owing more tax.
• If you face financial hardship, request that the lender modify your loan, which may reduce your monthly payments.
• Extending the loan term can also help you lower your monthly expenses and get you out of a budget crunch, although it will increase the total interest you’ll pay.
Delaware First-Time Homebuyer Assistance Programs
Delaware down payment assistance programs can possibly help cover your needs if you’re struggling to come up with a down payment, or you need help with closing costs so you can buy a home. Many first-time homebuyer programs in Delaware are run by the Delaware State Housing Authority.
Some programs are accessible only to those who are first-time homebuyers, though you might still qualify if you haven’t owned a primary residence in the last three years.
Recommended: Do You Qualify as a First-Time Homebuyer?
The Takeaway
A Delaware mortgage calculator is a useful tool that will help you estimate your monthly mortgage payments and understand what homeownership truly costs. It will help you determine if you’re within your budget with a prospective home by factoring in principal, interest rate, repayment term, and property taxes. After exploring with the calculator, you can investigate prequalification and preapproval processes with lenders and get a clearer idea of the potential loan amount you’ll qualify for.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
What is a mortgage payment?
It’s typically a monthly payment that includes your home loan’s principal and interest, but it may also include amounts for property taxes and homeowners insurance, ensuring that these expenses are covered throughout the loan term. If mortgage insurance is required, that may also be added into the total.
How does my credit score affect my mortgage loan interest rate?
Your credit score has a huge impact on your mortgage interest rate. Lenders may offer their most attractive interest rates to borrowers with a higher score, reducing the mortgage’s total cost in the end. Having a lower score may mean you’ll end up with a higher interest rate and stricter lending conditions, if you get approval at all.
Should I choose a 30-year or 15-year term for my mortgage?
A 30-year term will mean you’ll have lower monthly payments, and that will make homeownership more accessible. A 15-year term will necessitate a higher monthly payment — but it could save you thousands of dollars in interest over the life of the loan. If your budget can accommodate a shorter term of 15 or even 20 years, it’s a smart way to go.
How can I score a lower mortgage interest rate?
To qualify for the most desirable mortgage interest rates, you can work to cultivate a strong credit score (700 or higher, well beyond the 620 needed to qualify for a home loan). Get prequalified online with multiple lenders and you can see how low a rate might be possible. Saving for a higher down payment may help you out, too. If you own a home already, look at mortgage refinancing — a decent option if your old loan’s costs and rate are higher than those on a new one. Be sure to factor in the closing costs.
How much income do you need to get a $400,000 mortgage?
You’ll likely have to earn around $130,000 annually if you want to qualify for a $400,000 mortgage (with a 30-year term and a 7.00% interest rate). And this assumes you aren’t trying to pay down other significant debts. The general rule is that your home price shouldn’t exceed three times your gross income.
Can I afford a $300K house on a $70K salary?
It would be a strain for sure. Buying a $300,000 property on a $70,000 salary is tough, unless you have a windfall that lets you make a pretty big down payment. Since advisors say the price of your house shouldn’t exceed three times your salary, you’ll have an easier time if you can find something around $210,000. Crunch the numbers using a home affordability calculator to see how much down payment you’ll need to make a $300,000 home price doable.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.
†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.
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Free Alabama Home Mortgage Loan Calculator
Alabama Mortgage Calculator
By SoFi Editors | Updated September 22, 2025
Home buying can seem overwhelming. Our mortgage calculator can help. By inputting just a few simple numbers, you can find out how much house you can afford, which is invaluable information during your home search. Let’s take a closer look.
Key Points
• This Alabama mortgage calculator helps homebuyers determine how much house they can afford by entering a few simple numbers.
• The calculator requires inputs such as home price, down payment amount, loan term, interest rate, and property tax rate to estimate monthly mortgage payments.
• Lenders prefer mortgage payments to be no more than 28% of a homebuyer’s gross monthly income.
• Mortgage payments typically include principal and interest, and sometimes they may also cover property taxes and homeowners insurance. Private mortgage insurance (PMI) or homeowners association (HOA) fees may be included, too, if they’re relevant.
• There are a variety of ways you may be able to reduce mortgage payments, including mortgage recasting, appealing high property taxes, and refinancing to a lower rate, among others.
• First-time homebuyers in Alabama can access assistance programs through the Alabama Housing Finance Authority.
Alabama Mortgage Calculator
Calculator Definitions
• Home price: This is the purchase price you’ve agreed to with the home’s seller. This figure may differ from the listing price and from your first offer.
• Down payment: The down payment is the amount you pay upfront, typically expressed as a percentage of the total purchase price. Most buyers put down between 3% and 20%. Depending on what’s available in your area, down payment assistance programs may assist you with this expense.
• Loan term: This is the length of time you have to repay your mortgage, usually 15 or 30 years. A longer term means smaller monthly payments, but you’ll pay more interest over the life of the loan. A shorter term requires higher payments but costs less overall.
• Interest rate: This is essentially the cost of borrowing money from a lender, expressed as a percentage of the loan amount.
• Annual property tax: This is tax levied by local governments on land and buildings, and it’s expressed as a percentage of the property’s assessed value. While property taxes vary among counties, in Alabama, the effective property tax overall is 0.36%, which is the 49th lowest in the country. Find your specific property tax rate by searching online for the town, county, or ZIP code where the property is located and “effective property tax rate.”
• Monthly payment: This is the amount you pay to your lender each month. It includes money toward the principal loan amount and interest, but also may include funds toward your property tax, which this calculator can allow for if you enter your tax rate. Your payment might also potentially cover homeowners insurance. homeowners association (HOA) fees, and private mortgage insurance (PMI) if your equity level is under 20%.
• Interest paid: This is the total amount of interest you pay over the length of the loan.
• Total loan cost: This is the entire amount that you pay for the loan, encompassing both the original principal and the interest charges over the lifespan of the loan.
How to Use the Alabama Mortgage Calculator
Welcome to SoFi’s free mortgage calculator for Alabama. Here’s a step-by-step explanation of how to use this helpful tool. It won’t affect your credit score, and it takes only minutes.
Step 1: Enter Your Home Price
Input the final home price that you and the seller agreed you will pay for the property.
Step 2: Select a Down Payment Amount
Choose the percentage of the home price that you want to pay upfront. Bear in mind that different types of mortgage loans have different requirements.
Step 3: Choose a Loan Term
Select the length of time over which you want to repay your home loan. Most mortgages carry a 30-year or 15-year term.
Step 4: Enter an Interest Rate
Input the interest rate that you’re hoping for to the second or third decimal point — e.g., 6.74%.
Step 5: Add Your Annual Property Tax Rate
Enter the percentage that represents what property tax is each year in the area where the property is located. For example, if the rate is 0.36%, you’d enter 0.36.
Benefits of Using a Mortgage Payment Calculator
Choosing a mortgage can be daunting, especially if you’re buying your first home. A mortgage calculator can help you in several ways, even before you start the mortgage preapproval process.
First of all, by entering a few factors like the amount, length, and interest rate of a loan, you can calculate what your monthly payments would be. But you can also use it to compare costs. For instance, you can try different interest rates to see what impact they have on monthly payments and overall cost. Or you can compare a 30-year term with a 15-year term to see which might make more sense for you. And you can see how the size of your down payment might influence your payments.
In all these ways, this free tool can help you understand the affordability of different loans and navigate mortgage options effectively as you search for your dream home.
Deciding How Much House You Can Afford in Alabama
The good news is that in Alabama, the median list price for a home is about $328,500, as of late 2025, meaning you’re unlikely to need a jumbo loan. Lenders usually prefer that your mortgage payments are no more than 28% of your gross monthly income. Using this rubric, if you buy a $328,500 home with a 20% down payment ($65,700) and a 30-year mortgage at a 7.00% interest rate, your monthly payment would be $1,748 and you’d need a minimum annual income of about $75,000.
This example assumes you have no other substantial debts. If you’re paying down student loans, an auto loan, or credit card bills, your buying power would be reduced. You’ll also need to budget for added housing costs like property tax, homeowners insurance, and possibly HOA fees.
It’s also worth trying a home affordability calculator to get an estimate of how much house your income will let you afford.
Recommended: Average Monthly Expenses for One Person
Current mortgage rates by state.
Compare current home interest rates by state and find a mortgage rate that suits your financial goals.
Select a alabama to view current rates:
Components of a Mortgage Payment
Mortgage principal and interest are the core costs in your mortgage payment. This calculator can also factor in your property taxes, which are likely to be part of your total monthly payment obligation, too. Other elements that might be included in your monthly payment are your homeowners insurance, private mortgage insurance (PMI), and homeowners association (HOA) fees.
If you’re considering a loan backed by the Federal Housing Administration (FHA), an FHA mortgage calculator will automatically factor in your ongoing monthly mortgage insurance premium, providing a more comprehensive view of your total monthly housing costs and financial obligations.
Similarly, if you’re taking out a loan backed by the Veterans Administration (VA), a VA mortgage calculator can take your VA funding fee into account.
Cost of Living in Alabama
The cost of living in your area can profoundly affect how much you can afford. With an overall cost of living more than 11% below the national average, Alabama is generally one of the best affordable places in the U.S.
Below is a breakdown of the specific cost of living in Alabama’s major metropolitan areas, according to the Council for Community and Economic Research’s Cost of Living Index (COLI). The COLI is measured on a scale on which 100 is the national average, and as you can see, all of these cities have lower costs of living.
| Alabama Cities’ Cost-of-Living Stats | |
|---|---|
| Anniston-Calhoun County | 84.8 |
| Auburn-Opelika | 92.7 |
| Birmingham | 91.8 |
| Decatur-Hartselle | 84.3 |
| Dothan | 87.3 |
| Florence | 83.5 |
| Huntsville | 90;8 |
| Montgomery | 88.8 |
Recommended: The Cost of Living in the U.S.
Run the numbers on your home loan.
-
Mortgage calculator
Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.
-
Down payment calculator
Enter a few details about your home loan and we’ll provide your monthly mortgage payment.
-
Home affordability calculator
Provide us with a few details and see how much you can afford to spend on a home purchase.
Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.
Tips on Reducing Your Mortgage Payment
If you’ve explored your options with the mortgage calculator and are concerned about your ability to afford your desired home, don’t despair. There are some steps you can take that may help reduce your payment.
• Dropping private mortgage insurance (PMI), if you have it, is an option once you’ve reached 20% equity in your home. You will need to make the request to your lender at this point, but once you reach 22%, PMI should automatically be removed.
• Mortgage recasting involves paying a large lump sum toward your principal and then asking your lender to reamortize your loan, while keeping the interest rate and term the same, resulting in lower payments. If you get a windfall, this could be a good way to spend it.
• Appeal overly high property taxes by contacting your local tax authority. Be prepared to show evidence that your home is valued too high, such as comparable homes in your area that were assessed at lower amounts.
• Refinancing to a lower rate or longer loan term can potentially reduce your monthly payments. Remember that a mortgage refinance usually requires you to pay closing costs again, however.
• Explore down payment assistance options, because the larger your down payment, the lower your monthly payments are likely to be. Especially if the assistance is in the form of a grant, these options can be very helpful and potentially let you avoid PMI.
• Shop for cheaper homeowners insurance. This can include finding a new insurer with more competitive rates, raising your deductible, or bundling your insurance policies to get a discount.
Alabama First-Time Homebuyer Assistance Programs
If you’re considering buying your first home, there may be assistance available to help you achieve your dream. And if you’re a repeat buyer but haven’t owned a primary residence within three years, you may also be eligible. The Alabama Housing FInance Authority offers a variety of programs which provide mortgages with competitive interest rates, as well as down payment and closing costs assistance to help aspiring homebuyers cover the initial costs of purchasing a home. These programs can make homeownership more accessible and substantially reduce the financial burdens often associated with entering the housing market.
Recommended: Do You Qualify as a First-Time Homebuyer?
The Takeaway
If you’re shopping for a home in Alabama, a mortgage calculator is an important tool. Using one can help you estimate your monthly payments and total interest costs for different loans so that you can make informed decisions about how much house you can realistically afford. This will let you better plan your overall financial future and successfully navigate the complexities of homeownership.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.
FAQ
What is a mortgage payment?
A mortgage payment is the amount of money you pay your mortgage servicer every month, and it typically goes toward your home loan principal and interest, though it may also cover property taxes, homeowners insurance costs, private mortgage insurance (PMI), and/or homeowners association (HOA) fees if required by your lender.
What are principal and interest on a mortgage loan?
The principal is the amount of money you initially borrowed for your mortgage, while the interest is what the lender charges you to borrow that principal.
Should I choose a 30-year or 15-year mortgage term?
If you can comfortably afford the payments on a 15-year mortgage and you already have retirement savings and an emergency fund, the shorter term will save you money, since you will be paying less in overall interest costs. A 30-year mortgage will cost you less per month, but will last twice as long and cost significantly more in total interest.
How can I get a lower mortgage interest rate?
To secure a lower mortgage interest rate, you can improve your credit score, shop around for the best rates, and/or negotiate terms with potential lenders.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.
†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
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To enter, you must complete two phases: a Sign Up Phase and an Entry Phase.
Sign Up Phase:
From October 15, 2025, to November 30, 2025, you must visit the Waitlist Site at https://www.sofi.com/signup/crypto-waitlist, submit your email address, and join the SoFi Crypto waitlist.
Entry Phase:
After joining the waitlist, you’ll receive an email notification to open a SoFi Crypto Account.
From December 1, 2025, to January 31, 2026, follow the instructions in the email to sign up for a new SoFi Crypto account and complete three qualifying transactions of at least $10 each by January 31, 2026.
The sweepstakes runs from October 15, 2025, at 9:00 a.m. ET to January 31, 2026, at 11:59:59 p.m. ET.
One potential winner will be selected through a random drawing on or about February 9, 2026 from among all eligible entries received in accordance with these Official Rules.
Current 20-Year Fixed Mortgage Rate Today
20-Year Fixed Mortgage Rate
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current 20-year fixed mortgage rate.
A 20-year fixed mortgage is a conventional loan with an interest rate that doesn’t fluctuate for the life of the loan.
Check out SoFi’s current 20-year fixed interest mortgage rate today.
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{/* current rate */}
Current 20-year fixed
mortgage rate.
Take a look at today’s 20-year fixed mortgage rate.
View your rate
Checking won’t affect your credit score.†
5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 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st_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_10_years_rate}%`}, LTV 80% is $3884.00 for full Principal and Interest Payments with $5194.70 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.
6 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $4901.48 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.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_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_20_years_rate}%`}, LTV 80% is $2542.00 for full Principal and Interest Payments with $6041.78 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_20_years_apr}%`}. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
8 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 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st_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_30_years_rate}%`}, LTV 80% is $2141.00 for full Principal and Interest Payments with $6030.92 due at closing. The Annual Percentage Rate is 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st_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.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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This is a short-term loan with higher monthly payments and less total interest. Ideal for those who can afford higher payments.
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This loan term has moderate payments and less total interest paid. Best for those who want a balance of a lower interest and faster payoff.
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Can you get a fixed-rate mortgage for 20 years?
Yes, you can get a fixed-rate mortgage for 20 years. This loan term is a less common but excellent middle-ground option for borrowers. It offers a shorter repayment period than a 30-year loan but with more manageable monthly payments than a 15-year loan.
What are the benefits of choosing a 20-year fixed mortgage?
The benefits of a 20-year fixed mortgage include paying off your loan sooner than a 30-year term and paying less in total interest. While the monthly payments are higher than a 30-year mortgage, they are typically more affordable than a 15-year term, making it a good balance of speed and affordability.
How do 20-year mortgage rates compare to 15- and 30-year rates?
20-year mortgage rates are typically lower than 30-year rates but slightly higher than 15-year rates. This is because the interest rate is generally tied to the length of the loan term, with shorter terms having lower rates due to less risk for the lender.
Is a 20-year fixed mortgage a good option for first-time homebuyers?
A 20-year fixed mortgage can be a good option for first-time homebuyers who want to pay off their loan sooner than a 30-year term but find the monthly payments on a 15-year mortgage too high. It provides a good balance between a shorter term and a manageable monthly payment.
Can I make extra payments to pay off a 20-year mortgage sooner?
Yes, you can make extra payments to pay off a 20-year mortgage sooner. Making additional payments toward the principal will reduce the total amount of interest paid over time and shorten the life of your loan.
Can I refinance into a 20-year mortgage?
Yes, you can refinance into a 20-year mortgage. This is a common choice for homeowners who want to shorten their loan term and save on interest but are not comfortable with the higher monthly payments of a 15-year mortgage. It provides a good balance of faster payoff and manageable payments.
What factors influence 20-year mortgage rates?
Factors influencing 20-year mortgage rates are similar to other loan terms, including your credit score, debt-to-income ratio, and down payment. Broader economic factors like the federal funds rate and inflation also play a significant role.
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10-Year Fixed Mortgage Rate
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5 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_10_years_rate}%`}, LTV 80% is $3884.00 for full Principal and Interest Payments with $5194.70 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.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_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_15_years_rate}%`}, LTV 80% is $2886.00 for full Principal and Interest Payments with $4901.48 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.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_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_20_years_rate}%`}, LTV 80% is $2542.00 for full Principal and Interest Payments with $6041.78 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.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_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.offer_30_years_rate}%`}, LTV 80% is $2141.00 for full Principal and Interest Payments with $6030.92 due at closing. The Annual Percentage Rate is {`${{"offer_30_year_fixed_va_principal_and_interest":"2024.00","offer_30_year_fixed_va_rate":"5.250","offer_30_year_fixed_va_apr":"5.544","offer_30_year_fixed_va_discount_points":"1.523","offer_30_year_fixed_va_cost_of_discount_points":"5513.26","offer_30_year_fixed_va_total_fee_amount":"4301.95","offer_30_year_fixed_va_property_value":"452500.00","offer_30_year_fixed_va_loan_amount":"362000.00","offer_30_year_fixed_va_upfront_mortgage_insurance":"4525.00","offer_20_year_fixed_va_principal_and_interest":"2470.00","offer_20_year_fixed_va_rate":"5.250","offer_20_year_fixed_va_apr":"5.661","offer_20_year_fixed_va_discount_points":"1.632","offer_20_year_fixed_va_cost_of_discount_points":"5907.84","offer_20_year_fixed_va_total_fee_amount":"4301.95","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":"5.396","offer_15_year_fixed_va_discount_points":"1.665","offer_15_year_fixed_va_cost_of_discount_points":"6027.30","offer_15_year_fixed_va_total_fee_amount":"4301.95","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":"5.620","offer_10_year_fixed_va_discount_points":"1.665","offer_10_year_fixed_va_cost_of_discount_points":"6027.30","offer_10_year_fixed_va_total_fee_amount":"4301.95","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_year_fixed_fha_principal_and_interest":"2034.00","offer_30_year_fixed_fha_rate":"5.250","offer_30_year_fixed_fha_apr":"5.990","offer_30_year_fixed_fha_discount_points":"1.590","offer_30_year_fixed_fha_cost_of_discount_points":"5755.80","offer_30_year_fixed_fha_total_fee_amount":"5796.95","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":"6.299","offer_20_year_fixed_fha_discount_points":"1.378","offer_20_year_fixed_fha_cost_of_discount_points":"4988.36","offer_20_year_fixed_fha_total_fee_amount":"5796.95","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":"5.746","offer_15_year_fixed_fha_discount_points":"1.281","offer_15_year_fixed_fha_cost_of_discount_points":"4637.22","offer_15_year_fixed_fha_total_fee_amount":"5796.95","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":"6.013","offer_10_year_fixed_fha_discount_points":"1.281","offer_10_year_fixed_fha_cost_of_discount_points":"4637.22","offer_10_year_fixed_fha_total_fee_amount":"5796.95","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_years_principal_and_interest":"2141.00","offer_30_years_rate":"5.875","offer_30_years_apr":"6.117","offer_30_years_discount_points":"1.666","offer_30_years_cost_of_discount_points":"6030.92","offer_30_years_total_fee_amount":"5796.95","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":"2330.00","offer_25_years_rate":"5.990","offer_25_years_apr":"6.227","offer_25_years_discount_points":"1.313","offer_25_years_cost_of_discount_points":"4753.06","offer_25_years_total_fee_amount":"5796.95","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":"2542.00","offer_20_years_rate":"5.750","offer_20_years_apr":"6.072","offer_20_years_discount_points":"1.669","offer_20_years_cost_of_discount_points":"6041.78","offer_20_years_total_fee_amount":"5796.95","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":"5.474","offer_15_years_discount_points":"1.354","offer_15_years_cost_of_discount_points":"4901.48","offer_15_years_total_fee_amount":"5796.95","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":"5.767","offer_10_years_discount_points":"1.435","offer_10_years_cost_of_discount_points":"5194.70","offer_10_years_total_fee_amount":"5796.95","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":"2266.03","offer_26_years_rate":"5.875","offer_26_years_apr":"6.142","offer_26_years_discount_points":"1.666","offer_26_years_cost_of_discount_points":"6030.92","offer_26_years_total_fee_amount":"5796.95","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":"2230.66","offer_27_years_rate":"5.875","offer_27_years_apr":"6.135","offer_27_years_discount_points":"1.666","offer_27_years_cost_of_discount_points":"6030.92","offer_27_years_total_fee_amount":"5796.95","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":"2198.30","offer_28_years_rate":"5.875","offer_28_years_apr":"6.128","offer_28_years_discount_points":"1.666","offer_28_years_cost_of_discount_points":"6030.92","offer_28_years_total_fee_amount":"5796.95","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":"2168.63","offer_29_years_rate":"5.875","offer_29_years_apr":"6.123","offer_29_years_discount_points":"1.666","offer_29_years_cost_of_discount_points":"6030.92","offer_29_years_total_fee_amount":"5796.95","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":"2027.00","offer_5/6_arm_rate":"5.375","offer_5/6_arm_apr":"6.237","offer_5/6_arm_discount_points":"1.568","offer_5/6_arm_cost_of_discount_points":"5676.16","offer_5/6_arm_total_fee_amount":"5796.95","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":"2055.00","offer_7/6_arm_rate":"5.500","offer_7/6_arm_apr":"6.171","offer_7/6_arm_discount_points":"1.501","offer_7/6_arm_cost_of_discount_points":"5433.62","offer_7/6_arm_total_fee_amount":"5796.95","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":"2084.00","offer_10/6_arm_rate":"5.625","offer_10/6_arm_apr":"6.129","offer_10/6_arm_discount_points":"1.585","offer_10/6_arm_cost_of_discount_points":"5737.70","offer_10/6_arm_total_fee_amount":"5796.95","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":"2026-02-06"}.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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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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With stable payments and moderate total interest paid, this loan is great for those who want a shorter term without a high payment.
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SoFi’s longest term, featuring low monthly payments but more total interest paid. Great for those who want a lower monthly payment.
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FAQs
Can you get a fixed-rate mortgage for 10 years?
Yes, you can get a fixed-rate mortgage for 10 years. This is the shortest common loan term and is ideal for borrowers who want to pay off their home as quickly as possible.
What are the benefits of choosing a 10-year fixed mortgage?
The main benefits of a 10-year fixed mortgage are the significantly lower interest rate and the fastest possible payoff time. This leads to the least amount of total interest paid over the life of the loan.
Is a 10-year fixed mortgage a good option for first-time homebuyers?
A 10-year fixed mortgage is generally not a good option for most first-time homebuyers because the monthly payments are very high. This option is best suited for those with very strong finances and a high income.
Is a 10-year fixed mortgage better than 15-, 20-, and 30-year mortgages?
A 10-year fixed mortgage is “better” if your primary goal is to pay off your home as quickly as possible and save the most money on interest. However, 15-, 20-, and 30-year mortgages offer more manageable monthly payments.
Can I make extra payments to pay off a 10-year mortgage sooner?
Yes, you can make extra payments to pay off a 10-year mortgage even sooner. This will further reduce the total interest you pay and get you to a mortgage-free status even sooner.
Can I refinance to a 10-year fixed mortgage?
Yes, you can refinance to a 10-year fixed mortgage. This is a great strategy if your financial situation has improved and you are able to handle the much higher monthly payments to save a significant amount on interest.
Are 10-year fixed mortgages available for investment properties?
Yes, 10-year fixed mortgages are often available for investment properties. However, the interest rates and terms for investment properties may be different from those for a primary residence, often with stricter qualification requirements.
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