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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 5, 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 points paid at closing for a lower rate and payment
Rate6.750%
APR6.899%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,790
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
Rate7.375%
APR7.426%
Points / credit$346 credit
Closing costs$3,211
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
Rate7.125%
APR7.154%
Points / credit$1,600 credit
Closing costs$1,890
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.500%
APR7.500%
Points / credit$3,949 credit
Closing costs$359 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
Show all 13 rate options for 30 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.661%
Points / credit$16,000 cost (2.500 pts)
Closing costs$19,290
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%
APR6.741%
Points / credit$12,800 cost (2.000 pts)
Closing costs$16,123
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%
APR6.899%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,790
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%
APR7.031%
Points / credit$11,827 cost (1.848 pts)
Closing costs$15,230
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%
APR6.964%
Points / credit$2,400 cost (0.375 pts)
Closing costs$5,823
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%
APR7.130%
Points / credit$5,018 cost (0.784 pts)
Closing costs$8,474
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%
APR7.154%
Points / credit$1,600 credit
Closing costs$1,890
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%
APR7.388%
Points / credit$2,131 cost (0.333 pts)
Closing costs$5,668
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%
APR7.426%
Points / credit$346 credit
Closing costs$3,211
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$3,949 credit
Closing costs$359 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
Rate7.599%
APR7.599%
Points / credit$5,651 credit
Closing costs$2,035 Back
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

30 Year Fixed VA 10 options

Buy-down rate About 0.855 points paid at closing for a lower rate and payment
Rate6.250%
APR6.379%
Points / credit$5,472 cost (0.855 pts)
Closing costs$8,729
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
Small credit Just above par; a modest lender credit toward closing costs
Rate6.599%
APR6.612%
Points / credit$2,522 credit
Closing costs$828
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.625%
APR6.627%
Points / credit$3,245 credit
Closing costs$112
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.750%
APR6.750%
Points / credit$4,378 credit
Closing costs$988 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
Show all 10 rate options for 30 Year Fixed VA, lowest rate firstShow just our 4 picks
Rate5.875%
APR6.146%
Points / credit$15,731 cost (2.458 pts)
Closing costs$18,888
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%
APR6.209%
Points / credit$11,245 cost (1.757 pts)
Closing costs$14,435
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%
APR6.261%
Points / credit$7,853 cost (1.227 pts)
Closing costs$11,069
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%
APR6.284%
Points / credit$7,622 cost (1.191 pts)
Closing costs$10,846
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%
APR6.379%
Points / credit$5,472 cost (0.855 pts)
Closing costs$8,729
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%
APR6.488%
Points / credit$4,314 cost (0.674 pts)
Closing costs$7,604
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%
APR6.555%
Points / credit$346 cost (0.054 pts)
Closing costs$3,669
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%
APR6.612%
Points / credit$2,522 credit
Closing costs$828
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%
APR6.627%
Points / credit$3,245 credit
Closing costs$112
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$4,378 credit
Closing costs$988 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 0.774 points paid at closing for a lower rate and payment
Rate6.500%
APR6.624%
Points / credit$4,954 cost (0.774 pts)
Closing costs$8,277
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
Small credit Just above par; a modest lender credit toward closing costs
Rate7.099%
APR7.129%
Points / credit$1,542 credit
Closing costs$1,941
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.125%
APR7.145%
Points / credit$2,182 credit
Closing costs$1,308
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.250%
APR7.270%
Points / credit$2,240 credit
Closing costs$1,283
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
Show all 12 rate options for 30 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate6.000%
APR6.290%
Points / credit$16,813 cost (2.627 pts)
Closing costs$20,003
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%
APR6.342%
Points / credit$13,421 cost (2.097 pts)
Closing costs$16,637
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%
APR6.365%
Points / credit$13,190 cost (2.061 pts)
Closing costs$16,414
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%
APR6.460%
Points / credit$11,040 cost (1.725 pts)
Closing costs$14,297
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%
APR6.556%
Points / credit$8,922 cost (1.394 pts)
Closing costs$12,212
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%
APR6.624%
Points / credit$4,954 cost (0.774 pts)
Closing costs$8,277
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%
APR6.681%
Points / credit$2,086 cost (0.326 pts)
Closing costs$5,436
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%
APR6.696%
Points / credit$1,363 cost (0.213 pts)
Closing costs$4,720
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%
APR6.805%
Points / credit$230 cost (0.036 pts)
Closing costs$3,620
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%
APR7.129%
Points / credit$1,542 credit
Closing costs$1,941
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%
APR7.145%
Points / credit$2,182 credit
Closing costs$1,308
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%
APR7.270%
Points / credit$2,240 credit
Closing costs$1,283
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

25 Year Fixed 7 options

Buy-down rate About 1 points paid at closing for a lower rate and payment
Rate6.750%
APR6.917%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,790
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%
APR7.158%
Points / credit$1,600 credit
Closing costs$1,890
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%
APR6.696%
Points / credit$16,000 cost (2.500 pts)
Closing costs$19,290
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%
APR6.771%
Points / credit$12,800 cost (2.000 pts)
Closing costs$16,123
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%
APR6.917%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,790
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%
APR6.975%
Points / credit$2,400 cost (0.375 pts)
Closing costs$5,823
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%
APR7.158%
Points / credit$1,600 credit
Closing costs$1,890
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 1.125 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%
APR6.912%
Points / credit$1,600 credit
Closing costs$1,823
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
Rate7.000%
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.125%
APR7.125%
Points / credit$5,600 credit
Closing costs$2,110 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
Show all 14 rate options for 20 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.674%
Points / credit$12,000 cost (1.875 pts)
Closing costs$15,290
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%
APR6.739%
Points / credit$8,800 cost (1.375 pts)
Closing costs$12,123
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%
APR6.865%
Points / credit$2,400 cost (0.375 pts)
Closing costs$5,790
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%
APR7.071%
Points / credit$10,253 cost (1.602 pts)
Closing costs$13,656
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%
APR6.912%
Points / credit$1,600 credit
Closing costs$1,823
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%
APR7.159%
Points / credit$4,512 cost (0.705 pts)
Closing costs$7,968
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$5,600 credit
Closing costs$2,110 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%
APR7.447%
Points / credit$19 credit
Closing costs$3,537
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%
APR7.503%
Points / credit$3,443 credit
Closing costs$147
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%
APR7.599%
Points / credit$5,165 credit
Closing costs$1,548 Back
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$6,227 credit
Closing costs$2,604 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$6,272 credit
Closing costs$2,615 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 12 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
Rate6.500%
APR6.544%
Points / credit$1,536 credit
Closing costs$1,787
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.625%
APR6.630%
Points / credit$3,162 credit
Closing costs$195
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
Rate6.799%
APR6.799%
Points / credit$3,424 credit
Closing costs$21 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
Show all 12 rate options for 15 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.500%
APR5.974%
Points / credit$16,800 cost (2.625 pts)
Closing costs$19,857
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%
APR6.076%
Points / credit$10,400 cost (1.625 pts)
Closing costs$13,523
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%
APR6.145%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,157
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%
APR6.397%
Points / credit$2,400 credit
Closing costs$890
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%
APR6.544%
Points / credit$1,536 credit
Closing costs$1,787
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%
APR6.630%
Points / credit$3,162 credit
Closing costs$195
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$3,424 credit
Closing costs$21 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
Rate6.875%
APR6.875%
Points / credit$6,394 credit
Closing costs$2,970 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 12 options

Buy-down rate About 1.188 points paid at closing for a lower rate and payment
Rate5.875%
APR6.135%
Points / credit$7,603 cost (1.188 pts)
Closing costs$10,760
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%
APR6.312%
Points / credit$742 credit
Closing costs$2,514
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
Rate6.500%
APR6.545%
Points / credit$1,523 credit
Closing costs$1,800
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$3,616 credit
Closing costs$266 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 12 rate options for 15 Year Fixed VA, lowest rate firstShow just our 4 picks
Rate5.375%
APR5.859%
Points / credit$17,344 cost (2.710 pts)
Closing costs$20,367
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%
APR5.908%
Points / credit$14,042 cost (2.194 pts)
Closing costs$17,098
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%
APR5.959%
Points / credit$10,829 cost (1.692 pts)
Closing costs$13,919
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%
APR6.013%
Points / credit$7,782 cost (1.216 pts)
Closing costs$10,906
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%
APR6.135%
Points / credit$7,603 cost (1.188 pts)
Closing costs$10,760
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%
APR6.192%
Points / credit$4,717 cost (0.737 pts)
Closing costs$7,907
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%
APR6.239%
Points / credit$2,502 cost (0.391 pts)
Closing costs$5,719
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%
APR6.251%
Points / credit$1,933 cost (0.302 pts)
Closing costs$5,156
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%
APR6.312%
Points / credit$742 credit
Closing costs$2,514
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%
APR6.545%
Points / credit$1,523 credit
Closing costs$1,800
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$3,616 credit
Closing costs$266 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$4,154 credit
Closing costs$797 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 10 options

Buy-down rate About 0.798 points paid at closing for a lower rate and payment
Rate6.250%
APR6.455%
Points / credit$5,107 cost (0.798 pts)
Closing costs$8,364
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 10 rate options for 15 Year Fixed FHA, lowest rate firstShow just our 4 picks
Rate5.625%
APR6.127%
Points / credit$17,875 cost (2.793 pts)
Closing costs$20,965
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%
APR6.182%
Points / credit$14,829 cost (2.317 pts)
Closing costs$17,952
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%
APR6.276%
Points / credit$13,453 cost (2.102 pts)
Closing costs$16,609
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%
APR6.334%
Points / credit$10,566 cost (1.651 pts)
Closing costs$13,756
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%
APR6.381%
Points / credit$8,352 cost (1.305 pts)
Closing costs$11,568
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%
APR6.393%
Points / credit$7,782 cost (1.216 pts)
Closing costs$11,006
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%
APR6.455%
Points / credit$5,107 cost (0.798 pts)
Closing costs$8,364
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%
APR6.679%
Points / credit$3,923 cost (0.613 pts)
Closing costs$7,247
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%
APR6.727%
Points / credit$1,830 cost (0.286 pts)
Closing costs$5,180
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%
APR6.740%
Points / credit$1,293 cost (0.202 pts)
Closing costs$4,649
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 13 options

Buy-down rate About 1.125 points paid at closing for a lower rate and payment
Rate5.875%
APR6.230%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,357
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
Rate6.250%
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
Rate6.375%
APR6.378%
Points / credit$3,200 credit
Closing costs$90
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.875%
APR6.875%
Points / credit$3,776 credit
Closing costs$353 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
Show all 13 rate options for 10 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.375%
APR6.067%
Points / credit$17,427 cost (2.723 pts)
Closing costs$20,451
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%
APR6.128%
Points / credit$15,443 cost (2.413 pts)
Closing costs$18,500
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%
APR6.185%
Points / credit$9,600 cost (1.500 pts)
Closing costs$12,723
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%
APR6.230%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,357
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%
APR6.295%
Points / credit$5,389 cost (0.842 pts)
Closing costs$8,579
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%
APR6.378%
Points / credit$3,200 credit
Closing costs$90
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%
APR6.516%
Points / credit$2,874 credit
Closing costs$450
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%
APR6.625%
Points / credit$4,077 credit
Closing costs$720 Back
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$3,776 credit
Closing costs$353 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$5,357 credit
Closing costs$1,900 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

10/6 ARM 2 options

Buy-down rate About 2.808 points paid at closing for a lower rate and payment
Rate7.125%
APR7.306%
Points / credit$17,971 cost (2.808 pts)
Closing costs$21,461
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 2 rate options for 10/6 ARM, lowest rate firstShow just our 4 picks
Rate7.000%
APR7.232%
Points / credit$18,842 cost (2.944 pts)
Closing costs$22,298
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%
APR7.306%
Points / credit$17,971 cost (2.808 pts)
Closing costs$21,461
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 4 options

Buy-down rate About 2.466 points paid at closing for a lower rate and payment
Rate6.750%
APR6.998%
Points / credit$15,782 cost (2.466 pts)
Closing costs$19,172
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 4 rate options for 7/6 ARM, lowest rate firstShow just our 4 picks
Rate6.125%
APR6.709%
Points / credit$18,989 cost (2.967 pts)
Closing costs$22,212
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%
APR6.754%
Points / credit$17,517 cost (2.737 pts)
Closing costs$20,773
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%
APR6.944%
Points / credit$16,723 cost (2.613 pts)
Closing costs$20,080
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%
APR6.998%
Points / credit$15,782 cost (2.466 pts)
Closing costs$19,172
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 1.666 points paid at closing for a lower rate and payment
Rate7.125%
APR7.067%
Points / credit$10,662 cost (1.666 pts)
Closing costs$14,152
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%
APR6.817%
Points / credit$18,406 cost (2.876 pts)
Closing costs$21,663
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%
APR6.857%
Points / credit$17,613 cost (2.752 pts)
Closing costs$20,903
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%
APR6.895%
Points / credit$16,653 cost (2.602 pts)
Closing costs$19,976
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%
APR6.925%
Points / credit$15,181 cost (2.372 pts)
Closing costs$18,537
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%
APR6.958%
Points / credit$13,862 cost (2.166 pts)
Closing costs$17,252
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%
APR6.998%
Points / credit$13,037 cost (2.037 pts)
Closing costs$16,460
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%
APR7.036%
Points / credit$12,064 cost (1.885 pts)
Closing costs$15,521
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%
APR7.067%
Points / credit$10,662 cost (1.666 pts)
Closing costs$14,152
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 8 options

Buy-down rate About 1.084 points paid at closing for a lower rate and payment
Rate6.000%
APR5.944%
Points / credit$6,938 cost (1.084 pts)
Closing costs$10,128
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
Par rate No points and no credit
Rate6.250%
APR5.948%
Points / credit$307 cost (0.048 pts)
Closing costs$3,564
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
Small credit Just above par; a modest lender credit toward closing costs
Rate6.625%
APR6.051%
Points / credit$2,867 credit
Closing costs$489
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 8 rate options for 5 Year ARM VA, lowest rate firstShow just our 4 picks
Rate5.500%
APR5.886%
Points / credit$16,941 cost (2.647 pts)
Closing costs$19,997
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%
APR5.889%
Points / credit$13,600 cost (2.125 pts)
Closing costs$16,690
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$10,259 cost (1.603 pts)
Closing costs$13,383
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%
APR5.944%
Points / credit$6,938 cost (1.084 pts)
Closing costs$10,128
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%
APR5.942%
Points / credit$3,379 cost (0.528 pts)
Closing costs$6,603
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%
APR5.948%
Points / credit$307 cost (0.048 pts)
Closing costs$3,564
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%
APR6.043%
Points / credit$51 credit
Closing costs$3,272
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%
APR6.051%
Points / credit$2,867 credit
Closing costs$489
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 3 options

Buy-down rate About 2.063 points paid at closing for a lower rate and payment
Rate5.750%
APR5.922%
Points / credit$13,203 cost (2.063 pts)
Closing costs$16,327
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 3 rate options for 3 Year ARM VA, lowest rate firstShow just our 4 picks
Rate5.500%
APR5.939%
Points / credit$18,976 cost (2.965 pts)
Closing costs$22,033
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%
APR5.930%
Points / credit$16,077 cost (2.512 pts)
Closing costs$19,167
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%
APR5.922%
Points / credit$13,203 cost (2.063 pts)
Closing costs$16,327
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.