Today's mortgage rates
Last updated: October 27, 2026
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Conventional
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed Lower Rate Option w/ Points | 30 YR | 6.875% | 6.940% | 0.540 | 20%/80% | $2,628/mo on $400,000 | 97% Financing available |
| 30-Year Fixed No Points | 30 YR | 6.990% | 7.080% | 0.000 | 20%/80% | $2,659/mo on $400,000 | 97% Financing available |
| 20-Year Fixed | 20 YR | 6.625% | 6.730% | 0.258 | 20%/80% | $3,012/mo on $400,000 | 97% Financing available |
| 15-Year Fixed | 15 YR | 6.375% | 6.410% | 0.210 | 20%/80% | $3,457/mo on $400,000 | 97% Financing available |
| 7 YR ARM | 30 YR | 6.750% | 6.910% | 1.540 | 20%/80% | $2,594/mo on $400,000 | 95% Financing available |
| 5 YR ARM | 30 YR | 6.625% | 6.830% | 1.430 | 20%/80% | $2,561/mo on $400,000 | 95% Financing available |
FHA
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 6.500% | 6.710% | 0.000 | 3.5%/96.5% | $2,528/mo on $400,000 | 96.5% Financing available |
| 30-Year Fixed w/ Points | 30 YR | 6.375% | 6.610% | 0.750 | 3.5%/96.5% | $2,495/mo on $400,000 | 96.5% Financing available |
VA
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed w/ Points | 30 YR | 6.375% | 6.610% | 0.450 | 20%/80% | $2,495/mo on $400,000 | 100% Financing available |
| 30-Year Fixed | 30 YR | 6.500% | 6.720% | 0.000 | 20%/80% | $2,528/mo on $400,000 | 100% Financing available |
Jumbo
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 6.990% | 7.110% | 0.250 | 20%/80% | $6,646/mo on $1,000,000 | 90% Financing available |
| 7 YR ARM | 30 YR | 6.625% | 6.690% | 0.510 | 20%/80% | $6,403/mo on $1,000,000 | 90% Financing available |
| 5 YR ARM | 30 YR | 6.500% | 6.580% | 0.550 | 20%/80% | $6,321/mo on $1,000,000 | 90% Financing available |
USDA
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 6.500% | 6.625% | 0.000 | 20%/80% | $2,528/mo on $400,000 | 100% Financing available |
Non-QM
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 7.500% | 7.910% | 1.350 | 20%/80% | $2,797/mo on $400,000 | May require additional down payment |
Second Mortgage - HELOAN
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 9.990% | 10.050% | 0.250 | 10% Second | $438/mo on $50,000 | 80%First with 10% Second Mortgage |
| 20-Year Fixed | 20 YR | 9.750% | 9.800% | 0.250 | 10% Second | $474/mo on $50,000 | 80%First with 10% Second Mortgage |
Payment examples are principal & interest only, based on a loan amount of $400,000 ($1.0 Million for Jumbo, $50,000 for Second Mortgage – HELOAN) at the rate and term shown. Taxes, insurance, and HOA dues are not included.
* +0.125% in rate may potentially offset Points (if desired) or an increase in rate may offset a portion of closing costs - ask for more details * Second Mortgage/HELOCs available up to 90% Loan-to-value and can be combined with a first mortgage (depending on loan product, credit, occupancy, etc.) * Rates shown are for illustrative purposes only and are subject to change without notice * Rate/Payment scenarios assumes 740+ FICO, 20% down or equity, owner-occupied single-family residence, $400,000 loan amount (JUMBO $1M) * APR includes estimated closing costs. Actual rate and payment depend on credit profile, loan amount, property type, and other factors. Not a commitment to lend * No Broker Fees, only customary and typical mortgage pass through fees from third parties (appraisal, credit, title, underwriting, lender fee, recording, closing, etc.) ** Fill out the Pre-Qualify form today to obtain a customized loan proposal that includes rates, terms, and fees for your specific mortgage needs.