Today's mortgage rates
Last updated: July 31, 2026
Conventional
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 6.375% | 6.580% | 0.000 | 20%/80% | $2,495/mo on $400,000 | 97% Financing available |
| 30-Year Fixed Option w/ Points | 30 YR | 6.250% | 6.471% | 0.510 | 20%/80% | $2,463/mo on $400,000 | 100% Financing available |
| 20-Year Fixed | 20 YR | 6.250% | 6.340% | 0.250 | 20%/80% | $2,924/mo on $400,000 | 97% Financing available |
| 15-Year Fixed | 15 YR | 5.875% | 5.940% | 0.311 | 20%/80% | $3,348/mo on $400,000 | 97% Financing available |
| 7 YR ARM | 30 YR | 5.875% | 6.480% | 0.540 | 20%/80% | $2,366/mo on $400,000 | 95% Financing available |
| 5 YR ARM | 30 YR | 5.750% | 6.330% | 0.430 | 20%/80% | $2,334/mo on $400,000 | 95% Financing available |
FHA
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 5.875% | 6.540% | 0.000 | 3.5%/96.5% | $2,366/mo on $400,000 | 96.5% Financing available |
VA
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 5.875% | 6.210% | 0.000 | 20%/80% | $2,366/mo on $400,000 | 100% Financing available |
Jumbo
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 6.875% | 6.997% | 0.220 | 20%/80% | $6,569/mo on $1,000,000 | 90% Financing available |
| 7 YR ARM | 30 YR | 5.990% | 6.410% | 0.500 | 20%/80% | $5,989/mo on $1,000,000 | 90% Financing available |
| 5 YR ARM | 30 YR | 5.875% | 6.310% | 0.500 | 20%/80% | $5,915/mo on $1,000,000 | 90% Financing available |
USDA
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 6.000% | 6.410% | 0.000 | 20%/80% | $2,398/mo on $400,000 | 100% Financing available |
Non-QM
| Product | Term | Rate | APR | Points | Down/LTV | Payment example | Notes |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed | 30 YR | 7.250% | 7.550% | 1.350 | 20%/80% | $2,729/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 | 8.250% | 8.480% | 0.250 | 10% Second | $376/mo on $50,000 | 80%First with 10% Second Mortgage |
| 20-Year Fixed | 20 YR | 8.000% | 8.330% | 0.250 | 10% Second | $418/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.