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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 27, 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 12 options

Buy-down rate About 0.91 points paid at closing for a lower rate and payment
Rate7.375%
APR7.523%
Points / credit$5,824 cost (0.910 pts)
Closing costs$9,381
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
Small credit Just above par; a modest lender credit toward closing costs
Rate7.625%
APR7.674%
Points / credit$570 credit
Closing costs$3,054
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.875%
APR7.875%
Points / credit$3,782 credit
Closing costs$92 Back
P&I payment$4,640/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, lowest rate firstShow just our 4 picks
Rate6.625%
APR6.904%
Points / credit$15,200 cost (2.375 pts)
Closing costs$18,557
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%
APR6.971%
Points / credit$11,200 cost (1.750 pts)
Closing costs$14,590
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
Rate6.875%
APR7.050%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,423
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%
APR7.240%
Points / credit$12,173 cost (1.902 pts)
Closing costs$15,629
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%
APR7.127%
Points / credit$4,800 cost (0.750 pts)
Closing costs$8,257
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%
APR7.229%
Points / credit$3,200 cost (0.500 pts)
Closing costs$6,690
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%
APR7.485%
Points / credit$8,333 cost (1.302 pts)
Closing costs$11,869
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%
APR7.523%
Points / credit$5,824 cost (0.910 pts)
Closing costs$9,381
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%
APR7.590%
Points / credit$2,061 cost (0.322 pts)
Closing costs$5,651
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%
APR7.664%
Points / credit$467 cost (0.073 pts)
Closing costs$4,084
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%
APR7.674%
Points / credit$570 credit
Closing costs$3,054
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
Rate7.875%
APR7.875%
Points / credit$3,782 credit
Closing costs$92 Back
P&I payment$4,640/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 11 options

Buy-down rate About 0.725 points paid at closing for a lower rate and payment
Rate6.500%
APR6.619%
Points / credit$4,640 cost (0.725 pts)
Closing costs$7,963
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
Rate6.750%
APR6.794%
Points / credit$506 credit
Closing costs$2,884
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%
APR6.918%
Points / credit$653 credit
Closing costs$2,771
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$4,282 credit
Closing costs$825 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 11 rate options for 30 Year Fixed VA, lowest rate firstShow just our 4 picks
Rate6.000%
APR6.289%
Points / credit$16,749 cost (2.617 pts)
Closing costs$19,939
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%
APR6.339%
Points / credit$13,222 cost (2.066 pts)
Closing costs$16,439
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%
APR6.361%
Points / credit$12,954 cost (2.024 pts)
Closing costs$16,177
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%
APR6.455%
Points / credit$10,675 cost (1.668 pts)
Closing costs$13,932
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%
APR6.555%
Points / credit$8,845 cost (1.382 pts)
Closing costs$12,135
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%
APR6.619%
Points / credit$4,640 cost (0.725 pts)
Closing costs$7,963
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%
APR6.673%
Points / credit$1,523 cost (0.238 pts)
Closing costs$4,873
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%
APR6.687%
Points / credit$730 cost (0.114 pts)
Closing costs$4,086
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%
APR6.794%
Points / credit$506 credit
Closing costs$2,884
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%
APR6.918%
Points / credit$653 credit
Closing costs$2,771
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$4,282 credit
Closing costs$825 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 0.988 points paid at closing for a lower rate and payment
Rate6.599%
APR6.745%
Points / credit$6,323 cost (0.988 pts)
Closing costs$9,673
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
Rate7.375%
APR7.391%
Points / credit$2,541 credit
Closing costs$1,016
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.500%
APR7.500%
Points / credit$5,690 credit
Closing costs$2,100 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 FHA, lowest rate firstShow just our 4 picks
Rate6.099%
APR6.422%
Points / credit$18,982 cost (2.966 pts)
Closing costs$22,199
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%
APR6.445%
Points / credit$18,714 cost (2.924 pts)
Closing costs$21,937
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%
APR6.539%
Points / credit$16,435 cost (2.568 pts)
Closing costs$19,692
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%
APR6.626%
Points / credit$13,645 cost (2.132 pts)
Closing costs$16,935
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%
APR6.691%
Points / credit$9,440 cost (1.475 pts)
Closing costs$12,763
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%
APR6.745%
Points / credit$6,323 cost (0.988 pts)
Closing costs$9,673
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%
APR6.759%
Points / credit$5,530 cost (0.864 pts)
Closing costs$8,886
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%
APR6.867%
Points / credit$4,294 cost (0.671 pts)
Closing costs$7,684
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%
APR7.184%
Points / credit$1,965 cost (0.307 pts)
Closing costs$5,448
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%
APR7.199%
Points / credit$1,280 cost (0.200 pts)
Closing costs$4,770
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%
APR7.324%
Points / credit$1,197 cost (0.187 pts)
Closing costs$4,720
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%
APR7.391%
Points / credit$2,541 credit
Closing costs$1,016
P&I payment$4,420/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate7.500%
APR7.500%
Points / credit$5,690 credit
Closing costs$2,100 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

25 Year Fixed 5 options

Buy-down rate About 1.25 points paid at closing for a lower rate and payment
Rate6.875%
APR7.071%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,423
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
Show all 5 rate options for 25 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.625%
APR6.938%
Points / credit$15,200 cost (2.375 pts)
Closing costs$18,557
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%
APR6.998%
Points / credit$11,200 cost (1.750 pts)
Closing costs$14,590
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%
APR7.071%
Points / credit$8,000 cost (1.250 pts)
Closing costs$11,423
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%
APR7.143%
Points / credit$4,800 cost (0.750 pts)
Closing costs$8,257
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%
APR7.241%
Points / credit$3,200 cost (0.500 pts)
Closing costs$6,690
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 16 options

Buy-down rate About 1.018 points paid at closing for a lower rate and payment
Rate7.375%
APR7.581%
Points / credit$6,515 cost (1.018 pts)
Closing costs$10,072
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
Par rate No points and no credit
Rate7.625%
APR7.705%
Points / credit$269 cost (0.042 pts)
Closing costs$3,892
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
Small credit Just above par; a modest lender credit toward closing costs
Rate7.125%
APR7.180%
Points / credit$800 credit
Closing costs$2,690
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.875%
APR7.875%
Points / credit$3,667 credit
Closing costs$23
P&I payment$5,304/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 16 rate options for 20 Year Fixed, lowest rate firstShow just our 4 picks
Rate6.375%
APR6.783%
Points / credit$17,600 cost (2.750 pts)
Closing costs$20,890
P&I payment$4,725/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.500%
APR6.864%
Points / credit$15,200 cost (2.375 pts)
Closing costs$18,523
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%
APR6.913%
Points / credit$11,200 cost (1.750 pts)
Closing costs$14,557
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%
APR6.961%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,590
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%
APR7.223%
Points / credit$17,946 cost (2.804 pts)
Closing costs$21,349
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%
APR7.024%
Points / credit$4,000 cost (0.625 pts)
Closing costs$7,423
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%
APR7.313%
Points / credit$12,186 cost (1.904 pts)
Closing costs$15,642
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%
APR7.086%
Points / credit$800 cost (0.125 pts)
Closing costs$4,257
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%
APR7.180%
Points / credit$800 credit
Closing costs$2,690
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%
APR7.551%
Points / credit$8,877 cost (1.387 pts)
Closing costs$12,413
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%
APR7.581%
Points / credit$6,515 cost (1.018 pts)
Closing costs$10,072
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%
APR7.637%
Points / credit$3,059 cost (0.478 pts)
Closing costs$6,649
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%
APR7.701%
Points / credit$1,331 cost (0.208 pts)
Closing costs$4,948
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%
APR7.705%
Points / credit$269 cost (0.042 pts)
Closing costs$3,892
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%
APR7.829%
Points / credit$147 cost (0.023 pts)
Closing costs$3,804
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
Rate7.875%
APR7.875%
Points / credit$3,667 credit
Closing costs$23
P&I payment$5,304/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 10 options

Buy-down rate About 1.125 points paid at closing for a lower rate and payment
Rate6.000%
APR6.252%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,390
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
Rate6.375%
APR6.436%
Points / credit$800 credit
Closing costs$2,490
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 10 rate options for 15 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.500%
APR6.011%
Points / credit$18,400 cost (2.875 pts)
Closing costs$21,457
P&I payment$5,229/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.625%
APR6.044%
Points / credit$14,400 cost (2.250 pts)
Closing costs$17,490
P&I payment$5,272/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR6.114%
Points / credit$12,000 cost (1.875 pts)
Closing costs$15,123
P&I payment$5,315/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.875%
APR6.203%
Points / credit$10,400 cost (1.625 pts)
Closing costs$13,557
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%
APR6.252%
Points / credit$7,200 cost (1.125 pts)
Closing costs$10,390
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%
APR6.282%
Points / credit$3,200 cost (0.500 pts)
Closing costs$6,423
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%
APR6.369%
Points / credit$1,600 cost (0.250 pts)
Closing costs$4,857
P&I payment$5,488/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate6.375%
APR6.436%
Points / credit$800 credit
Closing costs$2,490
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%
APR6.634%
Points / credit$2,099 cost (0.328 pts)
Closing costs$5,423
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%
APR6.720%
Points / credit$467 cost (0.073 pts)
Closing costs$3,824
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 VA 11 options

Buy-down rate About 0.885 points paid at closing for a lower rate and payment
Rate6.099%
APR6.316%
Points / credit$5,664 cost (0.885 pts)
Closing costs$8,880
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
Small credit Just above par; a modest lender credit toward closing costs
Rate6.599%
APR6.671%
Points / credit$454 credit
Closing costs$2,895
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
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.625%
APR6.684%
Points / credit$979 credit
Closing costs$2,377
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%
APR6.029%
Points / credit$19,130 cost (2.989 pts)
Closing costs$22,186
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%
APR6.078%
Points / credit$15,808 cost (2.470 pts)
Closing costs$18,898
P&I payment$5,272/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR6.126%
Points / credit$12,518 cost (1.956 pts)
Closing costs$15,642
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%
APR6.215%
Points / credit$10,918 cost (1.706 pts)
Closing costs$14,075
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%
APR6.270%
Points / credit$7,910 cost (1.236 pts)
Closing costs$11,100
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%
APR6.316%
Points / credit$5,664 cost (0.885 pts)
Closing costs$8,880
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%
APR6.328%
Points / credit$5,088 cost (0.795 pts)
Closing costs$8,311
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%
APR6.387%
Points / credit$2,349 cost (0.367 pts)
Closing costs$5,605
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%
APR6.622%
Points / credit$1,600 cost (0.250 pts)
Closing costs$4,923
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%
APR6.671%
Points / credit$454 credit
Closing costs$2,895
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%
APR6.684%
Points / credit$979 credit
Closing costs$2,377
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 1.132 points paid at closing for a lower rate and payment
Rate6.500%
APR6.760%
Points / credit$7,245 cost (1.132 pts)
Closing costs$10,568
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
Rate7.099%
APR7.099%
Points / credit$6,195 credit
Closing costs$2,712 Back
P&I payment$5,788/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
Rate5.875%
APR6.360%
Points / credit$16,960 cost (2.650 pts)
Closing costs$20,117
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%
APR6.415%
Points / credit$13,952 cost (2.180 pts)
Closing costs$17,142
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%
APR6.462%
Points / credit$11,699 cost (1.828 pts)
Closing costs$14,916
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%
APR6.474%
Points / credit$11,130 cost (1.739 pts)
Closing costs$14,353
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%
APR6.535%
Points / credit$8,390 cost (1.311 pts)
Closing costs$11,647
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%
APR6.760%
Points / credit$7,245 cost (1.132 pts)
Closing costs$10,568
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%
APR6.810%
Points / credit$5,184 cost (0.810 pts)
Closing costs$8,534
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%
APR6.824%
Points / credit$4,659 cost (0.728 pts)
Closing costs$8,016
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
Rate7.099%
APR7.099%
Points / credit$6,195 credit
Closing costs$2,712 Back
P&I payment$5,788/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 11 options

Buy-down rate About 1 points paid at closing for a lower rate and payment
Rate6.000%
APR6.330%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,590
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
Rate6.625%
APR6.727%
Points / credit$448 credit
Closing costs$2,909
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
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.375%
APR6.434%
Points / credit$1,600 credit
Closing costs$1,690
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
Rate6.750%
APR6.750%
Points / credit$5,920 credit
Closing costs$2,530 Back
P&I payment$7,349/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 10 Year Fixed, lowest rate firstShow just our 4 picks
Rate5.500%
APR6.200%
Points / credit$17,600 cost (2.750 pts)
Closing costs$20,657
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%
APR6.193%
Points / credit$13,600 cost (2.125 pts)
Closing costs$16,690
P&I payment$6,985/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.750%
APR6.239%
Points / credit$11,200 cost (1.750 pts)
Closing costs$14,323
P&I payment$7,025/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Rate5.875%
APR6.312%
Points / credit$9,600 cost (1.500 pts)
Closing costs$12,757
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%
APR6.330%
Points / credit$6,400 cost (1.000 pts)
Closing costs$9,590
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%
APR6.319%
Points / credit$2,400 cost (0.375 pts)
Closing costs$5,623
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%
APR6.391%
Points / credit$800 cost (0.125 pts)
Closing costs$4,057
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%
APR6.434%
Points / credit$1,600 credit
Closing costs$1,690
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%
APR6.642%
Points / credit$762 cost (0.119 pts)
Closing costs$4,085
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%
APR6.727%
Points / credit$448 credit
Closing costs$2,909
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
Rate6.750%
APR6.750%
Points / credit$5,920 credit
Closing costs$2,530 Back
P&I payment$7,349/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 3 options

Buy-down rate About 2.55 points paid at closing for a lower rate and payment
Rate7.125%
APR7.143%
Points / credit$16,320 cost (2.550 pts)
Closing costs$19,810
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 3 rate options for 5/6 ARM, lowest rate firstShow just our 4 picks
Rate6.875%
APR7.078%
Points / credit$19,034 cost (2.974 pts)
Closing costs$22,457
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%
APR7.111%
Points / credit$17,715 cost (2.768 pts)
Closing costs$21,172
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%
APR7.143%
Points / credit$16,320 cost (2.550 pts)
Closing costs$19,810
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 2.266 points paid at closing for a lower rate and payment
Rate5.750%
APR5.952%
Points / credit$14,502 cost (2.266 pts)
Closing costs$17,626
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%
APR5.949%
Points / credit$17,856 cost (2.790 pts)
Closing costs$20,946
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%
APR5.952%
Points / credit$14,502 cost (2.266 pts)
Closing costs$17,626
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 2.182 points paid at closing for a lower rate and payment
Rate5.750%
APR5.933%
Points / credit$13,965 cost (2.182 pts)
Closing costs$17,088
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%
APR5.941%
Points / credit$16,858 cost (2.634 pts)
Closing costs$19,948
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%
APR5.933%
Points / credit$13,965 cost (2.182 pts)
Closing costs$17,088
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.