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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 October 30, 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 15 options

Buy-down rate About 1.125 points paid at closing for a lower rate and payment
Rate6.750%
APR6.911%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,590
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
Rate7.599%
APR7.602%
Points / credit$3,450 credit
Closing costs$167
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.625%
APR7.625%
Points / credit$4,518 credit
Closing costs$895 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
Show all 15 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%
APR6.844%
Points / credit$11,200 cost (1.750 pts)
Closing costs$14,557
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%
APR6.911%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,590
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%
APR7.078%
Points / credit$14,931 cost (2.333 pts)
Closing costs$18,334
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%
APR6.977%
Points / credit$3,200 cost (0.500 pts)
Closing costs$6,623
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%
APR7.053%
Points / creditPar, no points
Closing costs$3,457
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%
APR7.423%
Points / credit$4,352 cost (0.680 pts)
Closing costs$7,888
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%
APR7.461%
Points / credit$1,869 cost (0.292 pts)
Closing costs$5,425
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%
APR7.530%
Points / credit$1,734 credit
Closing costs$1,856
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%
APR7.602%
Points / credit$3,450 credit
Closing costs$167
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$4,518 credit
Closing costs$895 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
Rate7.750%
APR7.750%
Points / credit$4,589 credit
Closing costs$932 Back
P&I payment$4,585/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 1.159 points paid at closing for a lower rate and payment
Rate6.375%
APR6.534%
Points / credit$7,418 cost (1.159 pts)
Closing costs$10,708
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$1,363 credit
Closing costs$2,027
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%
APR6.887%
Points / credit$2,662 credit
Closing costs$761
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$6,144 credit
Closing costs$2,687 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%
APR6.190%
Points / credit$18,810 cost (2.939 pts)
Closing costs$21,966
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%
APR6.253%
Points / credit$14,278 cost (2.231 pts)
Closing costs$17,468
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%
APR6.304%
Points / credit$10,867 cost (1.698 pts)
Closing costs$14,084
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%
APR6.328%
Points / credit$10,637 cost (1.662 pts)
Closing costs$13,860
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%
APR6.423%
Points / credit$8,454 cost (1.321 pts)
Closing costs$11,711
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%
APR6.534%
Points / credit$7,418 cost (1.159 pts)
Closing costs$10,708
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$3,398 cost (0.531 pts)
Closing costs$6,722
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$506 cost (0.079 pts)
Closing costs$3,855
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%
APR6.672%
Points / credit$224 credit
Closing costs$3,133
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$1,363 credit
Closing costs$2,027
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%
APR6.887%
Points / credit$2,662 credit
Closing costs$761
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$6,144 credit
Closing costs$2,687 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 13 options

Buy-down rate About 0.799 points paid at closing for a lower rate and payment
Rate6.599%
APR6.727%
Points / credit$5,114 cost (0.799 pts)
Closing costs$8,463
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
Small credit Just above par; a modest lender credit toward closing costs
Rate7.125%
APR7.171%
Points / credit$550 credit
Closing costs$2,940
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
Rate7.250%
APR7.296%
Points / credit$608 credit
Closing costs$2,915
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.375%
APR7.375%
Points / credit$6,182 credit
Closing costs$2,626 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 13 rate options for 30 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate6.099%
APR6.385%
Points / credit$16,435 cost (2.568 pts)
Closing costs$19,652
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%
APR6.408%
Points / credit$16,205 cost (2.532 pts)
Closing costs$19,428
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%
APR6.504%
Points / credit$14,022 cost (2.191 pts)
Closing costs$17,279
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%
APR6.602%
Points / credit$12,026 cost (1.879 pts)
Closing costs$15,316
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$8,006 cost (1.251 pts)
Closing costs$11,330
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$5,114 cost (0.799 pts)
Closing costs$8,463
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$4,384 cost (0.685 pts)
Closing costs$7,741
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$3,245 cost (0.507 pts)
Closing costs$6,635
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%
APR7.094%
Points / credit$2,624 cost (0.410 pts)
Closing costs$6,081
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%
APR7.154%
Points / credit$83 cost (0.013 pts)
Closing costs$3,566
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%
APR7.171%
Points / credit$550 credit
Closing costs$2,940
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%
APR7.296%
Points / credit$608 credit
Closing costs$2,915
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$6,182 credit
Closing costs$2,626 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 1.125 points paid at closing for a lower rate and payment
Rate6.750%
APR6.930%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,590
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
Par rate No points and no credit
Rate7.000%
APR7.060%
Points / creditPar, no points
Closing costs$3,457
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
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%
APR6.871%
Points / credit$11,200 cost (1.750 pts)
Closing costs$14,557
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%
APR6.930%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,590
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%
APR6.989%
Points / credit$3,200 cost (0.500 pts)
Closing costs$6,623
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%
APR7.060%
Points / creditPar, no points
Closing costs$3,457
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 15 options

Buy-down rate About 1.125 points paid at closing for a lower rate and payment
Rate6.625%
APR6.834%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,557
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
Small credit Just above par; a modest lender credit toward closing costs
Rate6.875%
APR6.928%
Points / credit$800 credit
Closing costs$2,623
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.599%
APR7.613%
Points / credit$2,950 credit
Closing costs$666
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.625%
APR7.625%
Points / credit$4,013 credit
Closing costs$389 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 15 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%
APR6.834%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,557
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%
APR6.881%
Points / credit$3,200 cost (0.500 pts)
Closing costs$6,590
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%
APR7.133%
Points / credit$13,395 cost (2.093 pts)
Closing costs$16,798
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%
APR6.928%
Points / credit$800 credit
Closing costs$2,623
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%
APR7.223%
Points / credit$7,674 cost (1.199 pts)
Closing costs$11,130
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%
APR7.000%
Points / credit$4,000 credit
Closing costs$543 Back
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
Rate7.299%
APR7.465%
Points / credit$4,621 cost (0.722 pts)
Closing costs$8,157
P&I payment$5,077/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%
APR7.493%
Points / credit$2,202 cost (0.344 pts)
Closing costs$5,758
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%
APR7.549%
Points / credit$1,216 credit
Closing costs$2,374
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%
APR7.613%
Points / credit$2,950 credit
Closing costs$666
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$4,013 credit
Closing costs$389 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$4,595 credit
Closing costs$939 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 13 options

Buy-down rate About 1 points paid at closing for a lower rate and payment
Rate6.000%
APR6.233%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,590
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
Rate6.625%
APR6.681%
Points / credit$1,094 credit
Closing costs$2,262
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.750%
APR6.794%
Points / credit$1,626 credit
Closing costs$1,764
P&I payment$5,663/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
Rate6.799%
APR6.835%
Points / credit$1,978 credit
Closing costs$1,425
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
Show all 13 rate options for 15 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.500%
APR5.993%
Points / credit$17,600 cost (2.750 pts)
Closing costs$20,657
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$12,800 cost (2.000 pts)
Closing costs$15,890
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%
APR6.095%
Points / credit$11,200 cost (1.750 pts)
Closing costs$14,323
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%
APR6.164%
Points / credit$8,800 cost (1.375 pts)
Closing costs$11,957
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%
APR6.233%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,590
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%
APR6.262%
Points / credit$2,400 cost (0.375 pts)
Closing costs$5,623
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%
APR6.330%
Points / creditPar, no points
Closing costs$3,257
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%
APR6.417%
Points / credit$1,600 credit
Closing costs$1,690
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%
APR6.595%
Points / credit$512 cost (0.080 pts)
Closing costs$3,835
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%
APR6.681%
Points / credit$1,094 credit
Closing costs$2,262
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
Rate6.750%
APR6.794%
Points / credit$1,626 credit
Closing costs$1,764
P&I payment$5,663/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%
APR6.835%
Points / credit$1,978 credit
Closing costs$1,425
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
Rate6.875%
APR6.875%
Points / credit$4,941 credit
Closing costs$1,517 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 1.044 points paid at closing for a lower rate and payment
Rate6.000%
APR6.240%
Points / credit$6,682 cost (1.044 pts)
Closing costs$9,872
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%
APR6.580%
Points / credit$90 credit
Closing costs$3,234
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%
APR6.628%
Points / credit$2,189 credit
Closing costs$1,161
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%
APR6.641%
Points / credit$2,726 credit
Closing costs$630
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%
APR5.973%
Points / credit$16,762 cost (2.619 pts)
Closing costs$19,818
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%
APR6.023%
Points / credit$13,498 cost (2.109 pts)
Closing costs$16,588
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%
APR6.076%
Points / credit$10,419 cost (1.628 pts)
Closing costs$13,543
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%
APR6.183%
Points / credit$9,581 cost (1.497 pts)
Closing costs$12,737
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%
APR6.240%
Points / credit$6,682 cost (1.044 pts)
Closing costs$9,872
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%
APR6.286%
Points / credit$4,454 cost (0.696 pts)
Closing costs$7,671
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%
APR6.298%
Points / credit$3,878 cost (0.606 pts)
Closing costs$7,102
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%
APR6.360%
Points / credit$1,210 cost (0.189 pts)
Closing costs$4,466
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%
APR6.580%
Points / credit$90 credit
Closing costs$3,234
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%
APR6.628%
Points / credit$2,189 credit
Closing costs$1,161
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%
APR6.641%
Points / credit$2,726 credit
Closing costs$630
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 1.102 points paid at closing for a lower rate and payment
Rate6.250%
APR6.502%
Points / credit$7,053 cost (1.102 pts)
Closing costs$10,309
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%
APR6.240%
Points / credit$17,267 cost (2.698 pts)
Closing costs$20,391
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%
APR6.323%
Points / credit$15,424 cost (2.410 pts)
Closing costs$18,581
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%
APR6.381%
Points / credit$12,531 cost (1.958 pts)
Closing costs$15,721
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%
APR6.428%
Points / credit$10,298 cost (1.609 pts)
Closing costs$13,514
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%
APR6.440%
Points / credit$9,728 cost (1.520 pts)
Closing costs$12,951
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%
APR6.502%
Points / credit$7,053 cost (1.102 pts)
Closing costs$10,309
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%
APR6.714%
Points / credit$5,357 cost (0.837 pts)
Closing costs$8,680
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%
APR6.763%
Points / credit$3,264 cost (0.510 pts)
Closing costs$6,614
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%
APR6.776%
Points / credit$2,720 cost (0.425 pts)
Closing costs$6,077
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 0.875 points paid at closing for a lower rate and payment
Rate6.000%
APR6.302%
Points / credit$5,600 cost (0.875 pts)
Closing costs$8,790
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
Small credit Just above par; a modest lender credit toward closing costs
Rate6.250%
APR6.335%
Points / credit$800 credit
Closing costs$2,457
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.799%
APR6.842%
Points / credit$2,176 credit
Closing costs$1,227
P&I payment$7,365/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$3,898 credit
Closing costs$441 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
Show all 14 rate options for 10 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.500%
APR6.173%
Points / credit$16,800 cost (2.625 pts)
Closing costs$19,857
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%
APR6.139%
Points / credit$12,000 cost (1.875 pts)
Closing costs$15,090
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%
APR6.212%
Points / credit$10,400 cost (1.625 pts)
Closing costs$13,523
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%
APR6.258%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,157
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%
APR6.302%
Points / credit$5,600 cost (0.875 pts)
Closing costs$8,790
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%
APR6.292%
Points / credit$1,600 cost (0.250 pts)
Closing costs$4,823
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%
APR6.335%
Points / credit$800 credit
Closing costs$2,457
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%
APR6.406%
Points / credit$2,400 credit
Closing costs$890
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%
APR6.587%
Points / credit$826 credit
Closing costs$2,498
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%
APR6.672%
Points / credit$2,003 credit
Closing costs$1,353
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
Rate6.799%
APR6.842%
Points / credit$2,176 credit
Closing costs$1,227
P&I payment$7,365/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$5,139 credit
Closing costs$1,716 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$3,898 credit
Closing costs$441 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$5,075 credit
Closing costs$1,585 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

7/6 ARM 3 options

Buy-down rate About 2.72 points paid at closing for a lower rate and payment
Rate6.750%
APR7.016%
Points / credit$17,408 cost (2.720 pts)
Closing costs$20,798
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%
APR6.773%
Points / credit$19,187 cost (2.998 pts)
Closing costs$22,444
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%
APR6.963%
Points / credit$18,362 cost (2.869 pts)
Closing costs$21,718
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%
APR7.016%
Points / credit$17,408 cost (2.720 pts)
Closing costs$20,798
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 6 options

Buy-down rate About 1.924 points paid at closing for a lower rate and payment
Rate7.125%
APR7.085%
Points / credit$12,314 cost (1.924 pts)
Closing costs$15,804
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 5/6 ARM, lowest rate firstShow just our 4 picks
Rate6.500%
APR6.913%
Points / credit$18,310 cost (2.861 pts)
Closing costs$21,634
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%
APR6.943%
Points / credit$16,838 cost (2.631 pts)
Closing costs$20,195
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%
APR6.975%
Points / credit$15,514 cost (2.424 pts)
Closing costs$18,904
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%
APR7.015%
Points / credit$14,688 cost (2.295 pts)
Closing costs$18,111
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%
APR7.053%
Points / credit$13,715 cost (2.143 pts)
Closing costs$17,172
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%
APR7.085%
Points / credit$12,314 cost (1.924 pts)
Closing costs$15,804
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$17,939 cost (2.803 pts)
Closing costs$21,029
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 2.198 points paid at closing for a lower rate and payment
Rate5.750%
APR5.935%
Points / credit$14,067 cost (2.198 pts)
Closing costs$17,191
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%
APR5.943%
Points / credit$16,947 cost (2.648 pts)
Closing costs$20,037
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%
APR5.935%
Points / credit$14,067 cost (2.198 pts)
Closing costs$17,191
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.