Home / Today’s rates

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

No credit pull

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

$
$

* 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 2, 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 13 options

Buy-down rate About 1.25 points paid at closing for a lower rate and payment
Rate6.750%
APR6.923%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,390
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
Small credit Just above par; a modest lender credit toward closing costs
Rate7.125%
APR7.167%
Points / credit$800 credit
Closing costs$2,690
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.500%
APR7.534%
Points / credit$1,478 credit
Closing costs$2,112
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.599%
APR7.606%
Points / credit$3,155 credit
Closing costs$461
P&I payment$4,518/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 30 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.672%
Points / credit$16,800 cost (2.625 pts)
Closing costs$20,090
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%
APR6.753%
Points / credit$13,600 cost (2.125 pts)
Closing costs$16,923
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%
APR6.856%
Points / credit$12,000 cost (1.875 pts)
Closing costs$15,357
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%
APR6.923%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,390
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
Rate6.875%
APR6.989%
Points / credit$4,000 cost (0.625 pts)
Closing costs$7,423
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%
APR7.179%
Points / credit$8,192 cost (1.280 pts)
Closing costs$11,648
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%
APR7.066%
Points / credit$800 cost (0.125 pts)
Closing costs$4,257
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%
APR7.167%
Points / credit$800 credit
Closing costs$2,690
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
Rate7.299%
APR7.427%
Points / credit$4,595 cost (0.718 pts)
Closing costs$8,132
P&I payment$4,387/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%
APR7.465%
Points / credit$2,112 cost (0.330 pts)
Closing costs$5,669
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%
APR7.534%
Points / credit$1,478 credit
Closing costs$2,112
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
Rate7.599%
APR7.606%
Points / credit$3,155 credit
Closing costs$461
P&I payment$4,518/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.625%
APR7.625%
Points / credit$4,211 credit
Closing costs$588 Back
P&I payment$4,530/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 12 options

Buy-down rate About 1.165 points paid at closing for a lower rate and payment
Rate6.375%
APR6.535%
Points / credit$7,456 cost (1.165 pts)
Closing costs$10,746
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
Rate6.750%
APR6.781%
Points / credit$1,344 credit
Closing costs$2,046
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.875%
APR6.891%
Points / credit$2,355 credit
Closing costs$1,068
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.000%
APR7.000%
Points / credit$5,843 credit
Closing costs$2,387 Back
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 30 Year Fixed VA, lowest rate firstShow just our 4 picks
Rate5.875%
APR6.178%
Points / credit$17,971 cost (2.808 pts)
Closing costs$21,128
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%
APR6.241%
Points / credit$13,459 cost (2.103 pts)
Closing costs$16,649
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%
APR6.292%
Points / credit$10,042 cost (1.569 pts)
Closing costs$13,258
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%
APR6.315%
Points / credit$9,805 cost (1.532 pts)
Closing costs$13,028
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%
APR6.411%
Points / credit$7,635 cost (1.193 pts)
Closing costs$10,892
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%
APR6.535%
Points / credit$7,456 cost (1.165 pts)
Closing costs$10,746
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%
APR6.601%
Points / credit$3,424 cost (0.535 pts)
Closing costs$6,747
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%
APR6.657%
Points / credit$518 cost (0.081 pts)
Closing costs$3,868
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%
APR6.673%
Points / credit$211 credit
Closing costs$3,145
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%
APR6.781%
Points / credit$1,344 credit
Closing costs$2,046
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%
APR6.891%
Points / credit$2,355 credit
Closing costs$1,068
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%
APR7.000%
Points / credit$5,843 credit
Closing costs$2,387 Back
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

30 Year Fixed FHA 14 options

Buy-down rate About 0.801 points paid at closing for a lower rate and payment
Rate6.599%
APR6.727%
Points / credit$5,126 cost (0.801 pts)
Closing costs$8,476
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
Par rate No points and no credit
Rate7.125%
APR7.175%
Points / credit$282 credit
Closing costs$3,208
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
Small credit Just above par; a modest lender credit toward closing costs
Rate7.250%
APR7.300%
Points / credit$339 credit
Closing costs$3,184
P&I payment$4,366/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
Rate7.375%
APR7.375%
Points / credit$4,909 credit
Closing costs$1,352 Back
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
Show all 14 rate options for 30 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate6.000%
APR6.321%
Points / credit$19,027 cost (2.973 pts)
Closing costs$22,217
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%
APR6.373%
Points / credit$15,610 cost (2.439 pts)
Closing costs$18,826
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%
APR6.396%
Points / credit$15,373 cost (2.402 pts)
Closing costs$18,596
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%
APR6.492%
Points / credit$13,203 cost (2.063 pts)
Closing costs$16,460
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%
APR6.603%
Points / credit$12,064 cost (1.885 pts)
Closing costs$15,354
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%
APR6.670%
Points / credit$8,032 cost (1.255 pts)
Closing costs$11,355
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%
APR6.727%
Points / credit$5,126 cost (0.801 pts)
Closing costs$8,476
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%
APR6.742%
Points / credit$4,397 cost (0.687 pts)
Closing costs$7,753
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%
APR6.851%
Points / credit$3,264 cost (0.510 pts)
Closing costs$6,654
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%
APR7.099%
Points / credit$2,925 cost (0.457 pts)
Closing costs$6,381
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
Rate7.099%
APR7.159%
Points / credit$365 cost (0.057 pts)
Closing costs$3,848
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%
APR7.175%
Points / credit$282 credit
Closing costs$3,208
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
Rate7.250%
APR7.300%
Points / credit$339 credit
Closing costs$3,184
P&I payment$4,366/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%
APR7.375%
Points / credit$4,909 credit
Closing costs$1,352 Back
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

25 Year Fixed 7 options

Buy-down rate About 1.25 points paid at closing for a lower rate and payment
Rate6.750%
APR6.944%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,390
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
Small credit Just above par; a modest lender credit toward closing costs
Rate7.125%
APR7.172%
Points / credit$800 credit
Closing costs$2,690
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%
APR6.710%
Points / credit$16,800 cost (2.625 pts)
Closing costs$20,090
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%
APR6.784%
Points / credit$13,600 cost (2.125 pts)
Closing costs$16,923
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%
APR6.884%
Points / credit$12,000 cost (1.875 pts)
Closing costs$15,357
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%
APR6.944%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,390
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%
APR7.002%
Points / credit$4,000 cost (0.625 pts)
Closing costs$7,423
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%
APR7.074%
Points / credit$800 cost (0.125 pts)
Closing costs$4,257
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%
APR7.172%
Points / credit$800 credit
Closing costs$2,690
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 14 options

Buy-down rate About 1.217 points paid at closing for a lower rate and payment
Rate6.999%
APR7.225%
Points / credit$7,789 cost (1.217 pts)
Closing costs$11,245
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
Small credit Just above par; a modest lender credit toward closing costs
Rate7.500%
APR7.556%
Points / credit$845 credit
Closing costs$2,745
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.000%
APR7.005%
Points / credit$3,200 credit
Closing costs$257
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.625%
APR7.625%
Points / credit$3,635 credit
Closing costs$12 Back
P&I payment$5,205/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 14 rate options for 20 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.690%
Points / credit$12,800 cost (2.000 pts)
Closing costs$16,090
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%
APR6.754%
Points / credit$9,600 cost (1.500 pts)
Closing costs$12,923
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%
APR6.850%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,357
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%
APR6.897%
Points / credit$4,000 cost (0.625 pts)
Closing costs$7,390
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%
APR7.135%
Points / credit$13,498 cost (2.109 pts)
Closing costs$16,901
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%
APR6.944%
Points / creditPar, no points
Closing costs$3,423
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%
APR7.225%
Points / credit$7,789 cost (1.217 pts)
Closing costs$11,245
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
Rate7.000%
APR7.005%
Points / credit$3,200 credit
Closing costs$257
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%
APR7.125%
Points / credit$4,800 credit
Closing costs$1,310 Back
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%
APR7.500%
Points / credit$2,554 cost (0.399 pts)
Closing costs$6,110
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%
APR7.556%
Points / credit$845 credit
Closing costs$2,745
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
Rate7.599%
APR7.621%
Points / credit$2,573 credit
Closing costs$1,044
P&I payment$5,195/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.625%
APR7.625%
Points / credit$3,635 credit
Closing costs$12 Back
P&I payment$5,205/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.750%
APR7.750%
Points / credit$3,770 credit
Closing costs$113 Back
P&I payment$5,254/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 11 options

Buy-down rate About 0.875 points paid at closing for a lower rate and payment
Rate6.000%
APR6.214%
Points / credit$5,600 cost (0.875 pts)
Closing costs$8,790
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
Small credit Just above par; a modest lender credit toward closing costs
Rate6.250%
APR6.310%
Points / credit$800 credit
Closing costs$2,457
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
Rate6.625%
APR6.666%
Points / credit$1,696 credit
Closing costs$1,661
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.375%
APR6.377%
Points / credit$3,200 credit
Closing costs$90
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
Show all 11 rate options for 15 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.500%
APR5.955%
Points / credit$16,000 cost (2.500 pts)
Closing costs$19,057
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%
APR5.987%
Points / credit$12,000 cost (1.875 pts)
Closing costs$15,090
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%
APR6.057%
Points / credit$9,600 cost (1.500 pts)
Closing costs$12,723
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%
APR6.126%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,357
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%
APR6.214%
Points / credit$5,600 cost (0.875 pts)
Closing costs$8,790
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%
APR6.243%
Points / credit$1,600 cost (0.250 pts)
Closing costs$4,823
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%
APR6.310%
Points / credit$800 credit
Closing costs$2,457
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%
APR6.377%
Points / credit$3,200 credit
Closing costs$90
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%
APR6.581%
Points / credit$64 credit
Closing costs$3,259
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%
APR6.666%
Points / credit$1,696 credit
Closing costs$1,661
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
Rate6.875%
APR6.875%
Points / credit$4,531 credit
Closing costs$1,108 Back
P&I payment$5,708/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 11 options

Buy-down rate About 0.948 points paid at closing for a lower rate and payment
Rate6.000%
APR6.225%
Points / credit$6,067 cost (0.948 pts)
Closing costs$9,257
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
Par rate No points and no credit
Rate6.500%
APR6.589%
Points / credit$269 cost (0.042 pts)
Closing costs$3,592
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
Small credit Just above par; a modest lender credit toward closing costs
Rate6.599%
APR6.637%
Points / credit$1,805 credit
Closing costs$1,545
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.625%
APR6.650%
Points / credit$2,342 credit
Closing costs$1,014
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 VA, lowest rate firstShow just our 4 picks
Rate5.500%
APR5.956%
Points / credit$16,051 cost (2.508 pts)
Closing costs$19,108
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%
APR6.006%
Points / credit$12,813 cost (2.002 pts)
Closing costs$15,903
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%
APR6.060%
Points / credit$9,741 cost (1.522 pts)
Closing costs$12,864
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%
APR6.168%
Points / credit$8,960 cost (1.400 pts)
Closing costs$12,117
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%
APR6.225%
Points / credit$6,067 cost (0.948 pts)
Closing costs$9,257
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%
APR6.271%
Points / credit$3,846 cost (0.601 pts)
Closing costs$7,063
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%
APR6.284%
Points / credit$3,283 cost (0.513 pts)
Closing costs$6,507
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%
APR6.345%
Points / credit$614 cost (0.096 pts)
Closing costs$3,871
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%
APR6.589%
Points / credit$269 cost (0.042 pts)
Closing costs$3,592
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%
APR6.637%
Points / credit$1,805 credit
Closing costs$1,545
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%
APR6.650%
Points / credit$2,342 credit
Closing costs$1,014
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 9 options

Buy-down rate About 1.01 points paid at closing for a lower rate and payment
Rate6.250%
APR6.488%
Points / credit$6,464 cost (1.010 pts)
Closing costs$9,721
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
Show all 9 rate options for 15 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate5.750%
APR6.224%
Points / credit$16,589 cost (2.592 pts)
Closing costs$19,712
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%
APR6.309%
Points / credit$14,810 cost (2.314 pts)
Closing costs$17,966
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%
APR6.366%
Points / credit$11,917 cost (1.862 pts)
Closing costs$15,107
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%
APR6.413%
Points / credit$9,696 cost (1.515 pts)
Closing costs$12,912
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%
APR6.426%
Points / credit$9,126 cost (1.426 pts)
Closing costs$12,350
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%
APR6.488%
Points / credit$6,464 cost (1.010 pts)
Closing costs$9,721
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%
APR6.723%
Points / credit$5,715 cost (0.893 pts)
Closing costs$9,039
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%
APR6.772%
Points / credit$3,642 cost (0.569 pts)
Closing costs$6,991
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%
APR6.785%
Points / credit$3,110 cost (0.486 pts)
Closing costs$6,467
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 14 options

Buy-down rate About 1 points paid at closing for a lower rate and payment
Rate5.875%
APR6.203%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,557
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
Small credit Just above par; a modest lender credit toward closing costs
Rate6.500%
APR6.567%
Points / credit$1,402 credit
Closing costs$1,922
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.625%
APR6.651%
Points / credit$2,611 credit
Closing costs$745
P&I payment$7,308/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%
APR7.125%
Points / credit$4,666 credit
Closing costs$1,176 Back
P&I payment$7,472/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Show all 14 rate options for 10 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.375%
APR6.099%
Points / credit$18,400 cost (2.875 pts)
Closing costs$21,423
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%
APR6.120%
Points / credit$15,200 cost (2.375 pts)
Closing costs$18,257
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%
APR6.112%
Points / credit$11,200 cost (1.750 pts)
Closing costs$14,290
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%
APR6.158%
Points / credit$8,800 cost (1.375 pts)
Closing costs$11,923
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%
APR6.203%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,557
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%
APR6.275%
Points / credit$4,800 cost (0.750 pts)
Closing costs$7,990
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%
APR6.264%
Points / credit$800 cost (0.125 pts)
Closing costs$4,023
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%
APR6.307%
Points / credit$1,600 credit
Closing costs$1,657
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$4,000 credit
Closing costs$710 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%
APR6.567%
Points / credit$1,402 credit
Closing costs$1,922
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
Rate6.625%
APR6.651%
Points / credit$2,611 credit
Closing costs$745
P&I payment$7,308/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$4,730 credit
Closing costs$1,306 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
Rate7.000%
APR7.000%
Points / credit$6,310 credit
Closing costs$2,854 Back
P&I payment$7,431/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$4,666 credit
Closing costs$1,176 Back
P&I payment$7,472/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

10/6 ARM 1 options

Buy-down rate About 2.872 points paid at closing for a lower rate and payment
Rate7.125%
APR7.311%
Points / credit$18,381 cost (2.872 pts)
Closing costs$21,871
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 1 rate options for 10/6 ARM, lowest rate firstShow just our 4 picks
Rate7.125%
APR7.311%
Points / credit$18,381 cost (2.872 pts)
Closing costs$21,871
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 3 options

Buy-down rate About 2.555 points paid at closing for a lower rate and payment
Rate6.750%
APR7.004%
Points / credit$16,352 cost (2.555 pts)
Closing costs$19,742
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 3 rate options for 7/6 ARM, lowest rate firstShow just our 4 picks
Rate6.250%
APR6.761%
Points / credit$18,131 cost (2.833 pts)
Closing costs$21,388
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
Rate6.625%
APR6.950%
Points / credit$17,306 cost (2.704 pts)
Closing costs$20,662
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%
APR7.004%
Points / credit$16,352 cost (2.555 pts)
Closing costs$19,742
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 8 options

Buy-down rate About 1.765 points paid at closing for a lower rate and payment
Rate7.125%
APR7.073%
Points / credit$11,296 cost (1.765 pts)
Closing costs$14,786
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 8 rate options for 5/6 ARM, lowest rate firstShow just our 4 picks
Rate6.250%
APR6.824%
Points / credit$19,059 cost (2.978 pts)
Closing costs$22,316
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%
APR6.864%
Points / credit$18,266 cost (2.854 pts)
Closing costs$21,556
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%
APR6.902%
Points / credit$17,299 cost (2.703 pts)
Closing costs$20,623
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%
APR6.932%
Points / credit$15,827 cost (2.473 pts)
Closing costs$19,184
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%
APR6.964%
Points / credit$14,502 cost (2.266 pts)
Closing costs$17,892
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%
APR7.004%
Points / credit$13,677 cost (2.137 pts)
Closing costs$17,100
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%
APR7.042%
Points / credit$12,704 cost (1.985 pts)
Closing costs$16,161
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%
APR7.073%
Points / credit$11,296 cost (1.765 pts)
Closing costs$14,786
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 2 options

Buy-down rate About 2.279 points paid at closing for a lower rate and payment
Rate5.750%
APR5.953%
Points / credit$14,586 cost (2.279 pts)
Closing costs$17,709
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 2 rate options for 5 Year ARM VA, lowest rate firstShow just our 4 picks
Rate5.625%
APR5.950%
Points / credit$17,926 cost (2.801 pts)
Closing costs$21,016
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%
APR5.953%
Points / credit$14,586 cost (2.279 pts)
Closing costs$17,709
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

3 Year ARM VA 2 options

Buy-down rate About 2.237 points paid at closing for a lower rate and payment
Rate5.750%
APR5.938%
Points / credit$14,317 cost (2.237 pts)
Closing costs$17,440
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 2 rate options for 3 Year ARM VA, lowest rate firstShow just our 4 picks
Rate5.625%
APR5.946%
Points / credit$17,184 cost (2.685 pts)
Closing costs$20,274
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%
APR5.938%
Points / credit$14,317 cost (2.237 pts)
Closing costs$17,440
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.