Sep

2025

Current 30-Year Fixed Mortgage Rate Today

By Dana Paltao | 1_Web_ML, mortgage | Comments Off

30-Year Fixed Mortgage Rate

Check out our
current 30-year
fixed mortgage rate.

A 30-year fixed mortgage is a
conventional loan that features
lower monthly payments but
more total interest paid over the
life of the loan.

Check out SoFi’s current 30-year
fixed mortgage rate today.

View your rate

Checking your rate will not affect your credit score.

{/* current rate */}

Current 30-year fixed
mortgage rate.

Take a look at today’s 30-year fixed mortgage rate.

View your rate

Checking your rate will not affect your credit score.

^* 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 $6030.92 due at closing. The Annual Percentage Rate is {`${{"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.

^* 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.

^* 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.

^* 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 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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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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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How does a 30-year fixed mortgage compare to the other loan terms?

A 30-year fixed mortgage offers the lowest monthly payments compared to shorter terms like 10, 15, or 20 years. However, because the loan is paid over a longer period and typically has a higher interest rate, you will pay significantly more in total interest over the life of the loan.

What would the monthly payment be on a fixed-rate $300,000 mortgage for 30 years?

The monthly payment on a fixed-rate $300,000 mortgage for 30 years depends on the current interest rate. For example, at a 6.50% APR interest rate, the principal and interest payment would be approximately $1,896. This calculation does not include other costs like property taxes or insurance, which will increase the total monthly payment.

Is a 30-year fixed loan a good idea for first-time homebuyers?

A 30-year fixed loan is often a good option for first-time homebuyers because it offers lower monthly payments, making homeownership more affordable and manageable. This provides greater financial flexibility for other expenses and helps them budget for the long term.

Is a 30-year fixed mortgage better than a 15-year mortgage?

The “better” option depends on your financial situation. A 30-year mortgage offers lower monthly payments, which can be more manageable, while a 15-year mortgage has a lower interest rate and allows you to pay off your home sooner, saving you a substantial amount in total interest.

Can I refinance my 30-year mortgage to get a lower rate?

Yes, you can refinance your 30-year mortgage to get a lower rate. This is a common strategy when interest rates drop, allowing you to lower your monthly payments and save a significant amount of money over the life of the loan. Refinancing involves applying for a new mortgage to pay off your existing one.

Are 30-year mortgage rates different for non-conventional loans like FHA and jumbo mortgages?

Yes, 30-year mortgage rates can differ for non-conventional loans like FHA and jumbo mortgages. FHA loans, which are government-backed, may have different rates and require mortgage insurance. Jumbo mortgages, which exceed conventional loan limits, often have their own unique rates and underwriting requirements.

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Sep

2025

SBA Loan Calculator

By Wesley Yu | Uncategorized | Comments Off

SBA Loan Calculator

By Lauren Ward | Updated September 18, 2025

Using an SBA business loan calculator is a smart first step in understanding the financial commitment you’re making when applying for a Small Business Administration (SBA) loan. By entering key details such as the loan amount, interest rate, and repayment term, you can quickly generate an estimate of your monthly payments and total interest costs.

Estimate SBA Loan Monthly Payment

Applying for a small business loan requires a little bit of organization and homework, which is why it’s helpful to start with a loan calculator. It can help save time by showing you what different loan terms look like in terms of budget, payoff time, and total cost.

For SBA loans, you have three loan types to choose from: 7(a), 504, and microloans. Many small business owners choose either the 7(a) loan or the microloan option. However, you may need a 504 loan if you want to purchase or develop real estate or invest in long-term equipment.

An SBA loans calculator is fairly straightforward, but there are some differences between it and other loan calculators you may have used. The details may vary depending on the specific loan type, but you’ll likely see the following fields on your SBA calculator: loan amount, project cost, down payment, interest rate, bank origination fee, and loan term.

• Loan amount: How much you plan to borrow. Loan amounts vary based on the type of SBA financing you’re interested in.

• Interest rate: The cost of the loan. The amount of business loan interest you’re charged depends on your credit score and other factors, but the good news is that the SBA has a maximum cap on lender rates.

• Loan term: How long you’ll make monthly payments until the loan matures. The shorter the loan term, the higher your monthly payment — but also the less you’ll pay in interest over time.

• Bank origination fee (7(a) loans only): A one-time fee charged by the lender to cover administrative costs associated with the loan underwriting process.

• Project cost (for 504 loans only): The amount of capital needed for the project. This should include land, equipment, and other costs you may incur.

• Down payment (for 504 loans only): How much you’re able to put down towards the project. For a 504 loan, you must put down at least 10% towards the project.

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How to Use the SBA Loan Calculator

Step 1: To use an SBA loan calculator, you first need to select your loan type. You can choose between a 7(a), 504, or a microloan (more details on the differences below).

Step 2: Next, choose your loan amount. If you’re undergoing a major project that revolves around real estate and purchasing long-term equipment, you’ll probably choose between a 7(a) and a 504 loan. A 504 loan requires you to know the total project cost and be able to make a down payment of at least 10% or more. If a down payment isn’t possible at the moment, then consider a 7(a).

Step 3: Enter in the interest rate. If you don’t know what interest rate to put in, start with 10% to get a ballpark idea of how much a loan will cost you monthly and over the life of the loan.

Step 4: Select the loan term, which is the length of time it will take you to pay back the money you borrowed. Your loan term will greatly impact your monthly payment. Longer terms have smaller monthly payments, but you’ll pay more in interest over the life of the loan.

Step 5: For 7(a) loans, you’ll enter in an origination fee. Lender fees can vary, but are typically 1% to 5% of the total loan amount. You can experiment with different numbers and compare multiple lender options to make sure you get the best deal.

SBA Loan Calculator Limitations

There are a few limitations when using an SBA loan calculator. The first is that it doesn’t account for additional lender fees that may be charged. It also doesn’t allow for a variable interest rate. Your total repayment may vary with these additional factors at play, so keep that in mind.

Understanding SBA Loan Terms and Rates

SBA borrowers have three options to choose from: 7(a), 504, and the SBA Microloan.

• 7(a): Maximum loan term of 10 years and a maximum loan amount of $5 million. Interest rates vary depending on how much you borrow and range from base rate plus 3.0% to base rate plus 6.5%.

• 504: Offers up to 25-year loan terms with a maximum loan amount of $5.5 million. Can be used for real estate, construction, and machinery.

• Microloan: Offers loans up to $50,000. Interest rates are usually between 8% and 13%, but varies depending on the lender, and the maximum loan term is seven years.

While SBA loans come with many benefits, remember that there might be a better loan option on the market that is more appropriate for your needs. There are many other types of small business loans, like a business line of credit or a merchant cash advance. Consider all of your options before submitting any applications.

Differences Between SBA Loan Options

Check out this side-by-side comparison of multiple SBA loans.

	Standard 7(a)	Small 7(a)	504	Microloan	SBA Express
Maximum Loan Amount	$5 million	$350,000	$5.5 million	$50,000	$500,000
Maximum Interest Rate	Base rate plus 6.5%	Up to the SBA maximum	Varies on market rate for 10-year U.S. Treasury issues	Varies on lender, but is usually between 8% and 13%	Up to the SBA maximum
Maximum Loan Term	10 years	10 years	25 years	7 years	10 years

The Takeaway

An SBA loan payment calculator provides business owners with all of the fields necessary to truly understand the cost of borrowing. With this knowledge in hand, you can make the best decision for your company and its continued growth.

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FAQ

Is it difficult to get an SBA loan?

Getting an SBA loan can be challenging due to stringent eligibility criteria and a thorough application process. However, with a solid business plan, good credit, and strong financials, your chances improve. SBA loans are designed to support small businesses, so preparation and persistence are key.

What is the easiest SBA loan to get?

The SBA Microloan is often considered the easiest SBA loan to obtain. It offers smaller amounts, typically up to $50,000, with less stringent requirements and a simpler application process. These loans are ideal for startups and small businesses needing funds for working capital or equipment.

How much money can be borrowed from the SBA?

If you qualify, you can borrow as much as $5.5 million dollars with an SBA 504 loan. For a 7(a) loan, the maximum is $5 million. The approval amount, however, depends on your revenue, credit score, and available collateral.

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

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

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

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

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

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

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SBA Loan Calculator

SBA Loan Calculator

Estimate SBA Loan Monthly Payment

Grow Your Business the Right Way

How to Use the SBA Loan Calculator

SBA Loan Calculator Limitations

Understanding SBA Loan Terms and Rates

Differences Between SBA Loan Options

The Takeaway

FAQ

Is it difficult to get an SBA loan?

What is the easiest SBA loan to get?

How much money can be borrowed from the SBA?

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