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Today’s California mortgage rates

Live pricing for your exact loan: rate, APR, points or credit, and real closing costs. Change any field and update. Looking for a home equity line? California HELOC rates start at 7.49% APR.

Live rates and closing costs

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Real lender pricing for your exact loan, updated today · no sign-up, no credit pull

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* Enter your ZIP or pick your county so we price with the right loan limits for your area. That decides whether your loan is conforming, high-balance or jumbo, which can change your rate. Your county also sets the property tax and insurance estimates on the full payment page.

Latest available pricing

As of November 9, 2026

For each program we show four ways to price the same loan: a buy-down rate with about one point paid at closing, then three lender credit options, small, middle and large, where a slightly higher rate pays toward your closing costs. Every option shows its exact closing costs. Open “Show all rate options” under any program for the full ladder.

30 Year Fixed 11 options

Buy-down rate About 1.25 points paid at closing for a lower rate and payment
Rate6.625%
APR6.796%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,357
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate7.375%
APR7.407%
Points / credit$1,542 credit
Closing costs$2,014
P&I payment$4,420/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.000%
APR7.016%
Points / credit$2,400 credit
Closing costs$1,057
P&I payment$4,258/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.125%
APR7.130%
Points / credit$3,200 credit
Closing costs$290
P&I payment$4,312/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 11 rate options for 30 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.625%
Points / credit$13,600 cost (2.125 pts)
Closing costs$16,890
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.705%
Points / credit$10,400 cost (1.625 pts)
Closing costs$13,723
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.796%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,357
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.862%
Points / credit$4,000 cost (0.625 pts)
Closing costs$7,390
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.799%
APR7.006%
Points / credit$10,176 cost (1.590 pts)
Closing costs$13,579
P&I payment$4,172/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.875%
APR6.940%
Points / credit$800 cost (0.125 pts)
Closing costs$4,223
P&I payment$4,204/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.999%
APR7.109%
Points / credit$3,654 cost (0.571 pts)
Closing costs$7,111
P&I payment$4,258/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.000%
APR7.016%
Points / credit$2,400 credit
Closing costs$1,057
P&I payment$4,258/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.125%
APR7.130%
Points / credit$3,200 credit
Closing costs$290
P&I payment$4,312/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.375%
APR7.407%
Points / credit$1,542 credit
Closing costs$2,014
P&I payment$4,420/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.500%
APR7.500%
Points / credit$5,011 credit
Closing costs$1,421 Back
P&I payment$4,475/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

30 Year Fixed VA 10 options

Buy-down rate About 0.895 points paid at closing for a lower rate and payment
Rate6.099%
APR6.230%
Points / credit$5,728 cost (0.895 pts)
Closing costs$8,944
P&I payment$3,878/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.500%
APR6.525%
Points / credit$1,651 credit
Closing costs$1,672
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.599%
APR6.599%
Points / credit$4,390 credit
Closing costs$1,041 Back
P&I payment$4,087/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.625%
APR6.625%
Points / credit$5,082 credit
Closing costs$1,725 Back
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 10 rate options for 30 Year Fixed VA, lowest rate firstShow just our 4 picks
Rate5.875%
APR6.113%
Points / credit$13,402 cost (2.094 pts)
Closing costs$16,558
P&I payment$3,786/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR6.177%
Points / credit$9,030 cost (1.411 pts)
Closing costs$12,220
P&I payment$3,837/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.099%
APR6.230%
Points / credit$5,728 cost (0.895 pts)
Closing costs$8,944
P&I payment$3,878/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.253%
Points / credit$5,517 cost (0.862 pts)
Closing costs$8,740
P&I payment$3,889/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.349%
Points / credit$3,469 cost (0.542 pts)
Closing costs$6,725
P&I payment$3,941/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.375%
APR6.456%
Points / credit$2,138 cost (0.334 pts)
Closing costs$5,428
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.525%
Points / credit$1,651 credit
Closing costs$1,672
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.599%
APR6.599%
Points / credit$4,390 credit
Closing costs$1,041 Back
P&I payment$4,087/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.625%
Points / credit$5,082 credit
Closing costs$1,725 Back
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.750%
Points / credit$6,112 credit
Closing costs$2,722 Back
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

30 Year Fixed FHA 12 options

Buy-down rate About 1.054 points paid at closing for a lower rate and payment
Rate6.375%
APR6.524%
Points / credit$6,746 cost (1.054 pts)
Closing costs$10,036
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.625%
APR6.669%
Points / credit$474 credit
Closing costs$2,883
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.750%
APR6.779%
Points / credit$1,504 credit
Closing costs$1,886
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.099%
APR7.105%
Points / credit$3,072 credit
Closing costs$411
P&I payment$4,301/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 12 rate options for 30 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate5.875%
APR6.193%
Points / credit$18,970 cost (2.964 pts)
Closing costs$22,126
P&I payment$3,786/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR6.258%
Points / credit$14,598 cost (2.281 pts)
Closing costs$17,788
P&I payment$3,837/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.099%
APR6.311%
Points / credit$11,296 cost (1.765 pts)
Closing costs$14,512
P&I payment$3,878/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.334%
Points / credit$11,085 cost (1.732 pts)
Closing costs$14,308
P&I payment$3,889/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.431%
Points / credit$9,037 cost (1.412 pts)
Closing costs$12,293
P&I payment$3,941/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.375%
APR6.524%
Points / credit$6,746 cost (1.054 pts)
Closing costs$10,036
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.594%
Points / credit$2,957 cost (0.462 pts)
Closing costs$6,280
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.599%
APR6.653%
Points / credit$218 cost (0.034 pts)
Closing costs$3,567
P&I payment$4,087/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.669%
Points / credit$474 credit
Closing costs$2,883
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.779%
Points / credit$1,504 credit
Closing costs$1,886
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.099%
APR7.105%
Points / credit$3,072 credit
Closing costs$411
P&I payment$4,301/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.125%
APR7.125%
Points / credit$3,686 credit
Closing costs$196 Back
P&I payment$4,312/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

25 Year Fixed 7 options

Buy-down rate About 1.25 points paid at closing for a lower rate and payment
Rate6.625%
APR6.817%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,357
P&I payment$4,371/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate7.000%
APR7.018%
Points / credit$2,400 credit
Closing costs$1,057
P&I payment$4,523/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.125%
APR7.130%
Points / credit$3,200 credit
Closing costs$290
P&I payment$4,575/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 7 rate options for 25 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.657%
Points / credit$13,600 cost (2.125 pts)
Closing costs$16,890
P&I payment$4,271/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.731%
Points / credit$10,400 cost (1.625 pts)
Closing costs$13,723
P&I payment$4,321/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.817%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,357
P&I payment$4,371/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.876%
Points / credit$4,000 cost (0.625 pts)
Closing costs$7,390
P&I payment$4,422/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.875%
APR6.948%
Points / credit$800 cost (0.125 pts)
Closing costs$4,223
P&I payment$4,472/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.000%
APR7.018%
Points / credit$2,400 credit
Closing costs$1,057
P&I payment$4,523/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.125%
APR7.130%
Points / credit$3,200 credit
Closing costs$290
P&I payment$4,575/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

20 Year Fixed 10 options

Buy-down rate About 1 points paid at closing for a lower rate and payment
Rate6.500%
APR6.692%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,723
P&I payment$4,772/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate7.375%
APR7.418%
Points / credit$1,459 credit
Closing costs$2,097
P&I payment$5,107/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.875%
APR6.879%
Points / credit$3,200 credit
Closing costs$223
P&I payment$4,914/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.500%
APR7.500%
Points / credit$4,742 credit
Closing costs$1,152 Back
P&I payment$5,156/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 10 rate options for 20 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.628%
Points / credit$9,600 cost (1.500 pts)
Closing costs$12,890
P&I payment$4,725/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.692%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,723
P&I payment$4,772/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.771%
Points / credit$4,000 cost (0.625 pts)
Closing costs$7,357
P&I payment$4,819/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.818%
Points / creditPar, no points
Closing costs$3,390
P&I payment$4,866/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.799%
APR7.034%
Points / credit$8,378 cost (1.309 pts)
Closing costs$11,781
P&I payment$4,885/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.875%
APR6.879%
Points / credit$3,200 credit
Closing costs$223
P&I payment$4,914/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.999%
APR7.125%
Points / credit$2,784 cost (0.435 pts)
Closing costs$6,240
P&I payment$4,962/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.125%
APR7.191%
Points / credit$250 credit
Closing costs$3,240
P&I payment$5,010/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.375%
APR7.418%
Points / credit$1,459 credit
Closing costs$2,097
P&I payment$5,107/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.500%
APR7.500%
Points / credit$4,742 credit
Closing costs$1,152 Back
P&I payment$5,156/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

15 Year Fixed 12 options

Buy-down rate About 0.875 points paid at closing for a lower rate and payment
Rate5.875%
APR6.087%
Points / credit$5,600 cost (0.875 pts)
Closing costs$8,757
P&I payment$5,358/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.250%
APR6.271%
Points / credit$2,400 credit
Closing costs$857
P&I payment$5,488/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.375%
APR6.375%
Points / credit$4,800 credit
Closing costs$1,510 Back
P&I payment$5,531/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.625%
APR6.625%
Points / credit$5,222 credit
Closing costs$1,866 Back
P&I payment$5,619/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 12 rate options for 15 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.375%
APR5.846%
Points / credit$16,800 cost (2.625 pts)
Closing costs$19,823
P&I payment$5,187/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.500%
APR5.917%
Points / credit$14,400 cost (2.250 pts)
Closing costs$17,457
P&I payment$5,229/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.625%
APR5.949%
Points / credit$10,400 cost (1.625 pts)
Closing costs$13,490
P&I payment$5,272/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR6.018%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,123
P&I payment$5,315/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.875%
APR6.087%
Points / credit$5,600 cost (0.875 pts)
Closing costs$8,757
P&I payment$5,358/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR6.175%
Points / credit$4,000 cost (0.625 pts)
Closing costs$7,190
P&I payment$5,401/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.204%
Points / creditPar, no points
Closing costs$3,223
P&I payment$5,444/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.271%
Points / credit$2,400 credit
Closing costs$857
P&I payment$5,488/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.375%
APR6.375%
Points / credit$4,800 credit
Closing costs$1,510 Back
P&I payment$5,531/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.500%
Points / credit$3,610 credit
Closing costs$286 Back
P&I payment$5,575/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.625%
Points / credit$5,222 credit
Closing costs$1,866 Back
P&I payment$5,619/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.799%
APR6.799%
Points / credit$5,254 credit
Closing costs$1,851 Back
P&I payment$5,681/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

15 Year Fixed VA 13 options

Buy-down rate About 0.852 points paid at closing for a lower rate and payment
Rate5.750%
APR5.957%
Points / credit$5,453 cost (0.852 pts)
Closing costs$8,576
P&I payment$5,315/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.125%
APR6.194%
Points / credit$416 credit
Closing costs$2,807
P&I payment$5,444/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.500%
APR6.500%
Points / credit$3,552 credit
Closing costs$229 Back
P&I payment$5,575/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.599%
APR6.599%
Points / credit$5,549 credit
Closing costs$2,199 Back
P&I payment$5,610/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 13 rate options for 15 Year Fixed VA, lowest rate firstShow just our 4 picks
Rate5.250%
APR5.722%
Points / credit$16,960 cost (2.650 pts)
Closing costs$19,950
P&I payment$5,145/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.375%
APR5.799%
Points / credit$14,803 cost (2.313 pts)
Closing costs$17,827
P&I payment$5,187/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.500%
APR5.849%
Points / credit$11,546 cost (1.804 pts)
Closing costs$14,602
P&I payment$5,229/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.625%
APR5.901%
Points / credit$8,403 cost (1.313 pts)
Closing costs$11,493
P&I payment$5,272/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR5.957%
Points / credit$5,453 cost (0.852 pts)
Closing costs$8,576
P&I payment$5,315/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.875%
APR6.077%
Points / credit$5,165 cost (0.807 pts)
Closing costs$8,321
P&I payment$5,358/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR6.134%
Points / credit$2,323 cost (0.363 pts)
Closing costs$5,513
P&I payment$5,401/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.099%
APR6.181%
Points / credit$141 cost (0.022 pts)
Closing costs$3,357
P&I payment$5,435/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.194%
Points / credit$416 credit
Closing costs$2,807
P&I payment$5,444/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.255%
Points / credit$3,053 credit
Closing costs$204
P&I payment$5,488/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.500%
Points / credit$3,552 credit
Closing costs$229 Back
P&I payment$5,575/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.599%
APR6.599%
Points / credit$5,549 credit
Closing costs$2,199 Back
P&I payment$5,610/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.625%
Points / credit$6,061 credit
Closing costs$2,704 Back
P&I payment$5,619/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

15 Year Fixed FHA 11 options

Buy-down rate About 0.936 points paid at closing for a lower rate and payment
Rate6.099%
APR6.323%
Points / credit$5,990 cost (0.936 pts)
Closing costs$9,207
P&I payment$5,435/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Par rate No points and no credit
Rate6.599%
APR6.680%
Points / credit$102 credit
Closing costs$3,247
P&I payment$5,610/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.625%
APR6.693%
Points / credit$614 credit
Closing costs$2,742
P&I payment$5,619/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 11 rate options for 15 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate5.500%
APR6.016%
Points / credit$18,592 cost (2.905 pts)
Closing costs$21,649
P&I payment$5,229/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.625%
APR6.069%
Points / credit$15,450 cost (2.414 pts)
Closing costs$18,540
P&I payment$5,272/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR6.126%
Points / credit$12,506 cost (1.954 pts)
Closing costs$15,629
P&I payment$5,315/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.875%
APR6.218%
Points / credit$11,014 cost (1.721 pts)
Closing costs$14,171
P&I payment$5,358/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR6.276%
Points / credit$8,166 cost (1.276 pts)
Closing costs$11,356
P&I payment$5,401/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.099%
APR6.323%
Points / credit$5,990 cost (0.936 pts)
Closing costs$9,207
P&I payment$5,435/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.336%
Points / credit$5,434 cost (0.849 pts)
Closing costs$8,657
P&I payment$5,444/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.398%
Points / credit$2,797 cost (0.437 pts)
Closing costs$6,053
P&I payment$5,488/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.629%
Points / credit$1,901 cost (0.297 pts)
Closing costs$5,224
P&I payment$5,575/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.599%
APR6.680%
Points / credit$102 credit
Closing costs$3,247
P&I payment$5,610/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.693%
Points / credit$614 credit
Closing costs$2,742
P&I payment$5,619/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

10 Year Fixed 12 options

Buy-down rate About 1.125 points paid at closing for a lower rate and payment
Rate5.750%
APR6.103%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,323
P&I payment$7,025/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.125%
APR6.209%
Points / credit$800 credit
Closing costs$2,423
P&I payment$7,146/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.500%
APR6.500%
Points / credit$5,267 credit
Closing costs$1,944 Back
P&I payment$7,267/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.375%
APR6.375%
Points / credit$5,600 credit
Closing costs$2,310 Back
P&I payment$7,226/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 12 rate options for 10 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.250%
APR5.987%
Points / credit$18,867 cost (2.948 pts)
Closing costs$21,857
P&I payment$6,867/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.375%
APR5.985%
Points / credit$14,976 cost (2.340 pts)
Closing costs$17,999
P&I payment$6,906/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.500%
APR6.046%
Points / credit$13,018 cost (2.034 pts)
Closing costs$16,074
P&I payment$6,946/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.625%
APR6.058%
Points / credit$9,600 cost (1.500 pts)
Closing costs$12,690
P&I payment$6,985/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR6.103%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,323
P&I payment$7,025/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.875%
APR6.124%
Points / credit$4,102 cost (0.641 pts)
Closing costs$7,259
P&I payment$7,065/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR6.190%
Points / credit$2,336 cost (0.365 pts)
Closing costs$5,526
P&I payment$7,105/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.209%
Points / credit$800 credit
Closing costs$2,423
P&I payment$7,146/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.252%
Points / credit$3,200 credit
Closing costs$57
P&I payment$7,186/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.375%
APR6.375%
Points / credit$5,600 credit
Closing costs$2,310 Back
P&I payment$7,226/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.500%
Points / credit$5,267 credit
Closing costs$1,944 Back
P&I payment$7,267/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.875%
APR6.875%
Points / credit$5,651 credit
Closing costs$2,228 Back
P&I payment$7,390/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

10/6 ARM 6 options

Buy-down rate About 2.104 points paid at closing for a lower rate and payment
Rate7.125%
APR7.238%
Points / credit$13,466 cost (2.104 pts)
Closing costs$16,956
P&I payment$4,312/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 6 rate options for 10/6 ARM, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.800%
Points / credit$18,899 cost (2.953 pts)
Closing costs$22,189
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.856%
Points / credit$16,896 cost (2.640 pts)
Closing costs$20,219
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.917%
Points / credit$15,213 cost (2.377 pts)
Closing costs$18,569
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.985%
Points / credit$13,990 cost (2.186 pts)
Closing costs$17,380
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.000%
APR7.157%
Points / credit$13,882 cost (2.169 pts)
Closing costs$17,338
P&I payment$4,258/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.125%
APR7.238%
Points / credit$13,466 cost (2.104 pts)
Closing costs$16,956
P&I payment$4,312/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

7/6 ARM 7 options

Buy-down rate About 1.421 points paid at closing for a lower rate and payment
Rate6.750%
APR6.898%
Points / credit$9,094 cost (1.421 pts)
Closing costs$12,484
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 7 rate options for 7/6 ARM, lowest rate firstShow just our 4 picks
Rate6.000%
APR6.617%
Points / credit$17,082 cost (2.669 pts)
Closing costs$20,272
P&I payment$3,837/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.652%
Points / credit$14,944 cost (2.335 pts)
Closing costs$18,167
P&I payment$3,889/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.694%
Points / credit$13,331 cost (2.083 pts)
Closing costs$16,588
P&I payment$3,941/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.375%
APR6.750%
Points / credit$12,582 cost (1.966 pts)
Closing costs$15,872
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.802%
Points / credit$11,635 cost (1.818 pts)
Closing costs$14,959
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.847%
Points / credit$10,157 cost (1.587 pts)
Closing costs$13,513
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.898%
Points / credit$9,094 cost (1.421 pts)
Closing costs$12,484
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

5/6 ARM 12 options

Buy-down rate About 1.042 points paid at closing for a lower rate and payment
Rate7.000%
APR6.954%
Points / credit$6,669 cost (1.042 pts)
Closing costs$10,125
P&I payment$4,258/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 12 rate options for 5/6 ARM, lowest rate firstShow just our 4 picks
Rate5.750%
APR6.623%
Points / credit$19,027 cost (2.973 pts)
Closing costs$22,151
P&I payment$3,735/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.875%
APR6.655%
Points / credit$17,715 cost (2.768 pts)
Closing costs$20,872
P&I payment$3,786/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR6.686%
Points / credit$16,320 cost (2.550 pts)
Closing costs$19,510
P&I payment$3,837/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR6.715%
Points / credit$14,829 cost (2.317 pts)
Closing costs$18,052
P&I payment$3,889/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR6.745%
Points / credit$13,350 cost (2.086 pts)
Closing costs$16,607
P&I payment$3,941/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.375%
APR6.777%
Points / credit$12,070 cost (1.886 pts)
Closing costs$15,360
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.810%
Points / credit$10,803 cost (1.688 pts)
Closing costs$14,127
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.843%
Points / credit$9,606 cost (1.501 pts)
Closing costs$12,963
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.750%
APR6.878%
Points / credit$8,486 cost (1.326 pts)
Closing costs$11,876
P&I payment$4,151/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.875%
APR6.917%
Points / credit$7,648 cost (1.195 pts)
Closing costs$11,071
P&I payment$4,204/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.000%
APR6.954%
Points / credit$6,669 cost (1.042 pts)
Closing costs$10,125
P&I payment$4,258/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.125%
APR6.986%
Points / credit$5,312 cost (0.830 pts)
Closing costs$8,802
P&I payment$4,312/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

5 Year ARM VA 9 options

Buy-down rate About 1.225 points paid at closing for a lower rate and payment
Rate5.750%
APR5.857%
Points / credit$7,840 cost (1.225 pts)
Closing costs$10,963
P&I payment$3,735/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.250%
APR5.921%
Points / credit$1,517 credit
Closing costs$1,740
P&I payment$3,941/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.500%
APR6.011%
Points / credit$2,189 credit
Closing costs$1,135
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.625%
APR6.044%
Points / credit$4,902 credit
Closing costs$1,546 Back
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 9 rate options for 5 Year ARM VA, lowest rate firstShow just our 4 picks
Rate5.375%
APR5.849%
Points / credit$17,792 cost (2.780 pts)
Closing costs$20,815
P&I payment$3,584/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.500%
APR5.852%
Points / credit$14,477 cost (2.262 pts)
Closing costs$17,533
P&I payment$3,634/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.625%
APR5.855%
Points / credit$11,155 cost (1.743 pts)
Closing costs$14,245
P&I payment$3,684/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR5.857%
Points / credit$7,840 cost (1.225 pts)
Closing costs$10,963
P&I payment$3,735/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.000%
APR5.908%
Points / credit$4,448 cost (0.695 pts)
Closing costs$7,638
P&I payment$3,837/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.125%
APR5.912%
Points / credit$1,299 cost (0.203 pts)
Closing costs$4,523
P&I payment$3,889/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.250%
APR5.921%
Points / credit$1,517 credit
Closing costs$1,740
P&I payment$3,941/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.011%
Points / credit$2,189 credit
Closing costs$1,135
P&I payment$4,045/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.625%
APR6.044%
Points / credit$4,902 credit
Closing costs$1,546 Back
P&I payment$4,098/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

3 Year ARM VA 4 options

Buy-down rate About 1.73 points paid at closing for a lower rate and payment
Rate5.750%
APR5.892%
Points / credit$11,072 cost (1.730 pts)
Closing costs$14,195
P&I payment$3,735/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 4 rate options for 3 Year ARM VA, lowest rate firstShow just our 4 picks
Rate5.250%
APR5.877%
Points / credit$19,174 cost (2.996 pts)
Closing costs$22,164
P&I payment$3,534/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.500%
APR5.908%
Points / credit$16,774 cost (2.621 pts)
Closing costs$19,831
P&I payment$3,634/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.625%
APR5.900%
Points / credit$13,914 cost (2.174 pts)
Closing costs$17,004
P&I payment$3,684/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR5.892%
Points / credit$11,072 cost (1.730 pts)
Closing costs$14,195
P&I payment$3,735/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Principal and interest only. Taxes, insurance, HOA dues and mortgage insurance are not included unless stated. Rates are examples based on the scenario above, subject to verification and market changes, and are not a commitment to lend.