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Mortgage Rates

Today's mortgage rates at Lower

Get a Lower rate whether you’re buying, looking to get cash out of your home or lower your monthly mortgage payment.

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Loan Type Rate APR Points Monthly Payment
FHA 30-Year Fixed 5.500% 6.228% 2.250 $2,166
VA 30-Year Fixed 5.625% 5.928% 2.000 $2,039
Conventional 15-Year Fixed 5.500% 5.893% 2.000 $2,859
Conventional 30-Year Fixed 6.000% 6.251% 2.125 $2,098
Jumbo 30-Year Fixed 6.250% 6.467% 2.250 $5,849
Loan Type Rate APR Points Monthly Payment
FHA 30-Year Refinance 5.500% 6.254% 2.500 $2,166
VA 30-Year Refinance 5.625% 5.881% 2.250 $2,024
Conventional 15-Year Refinance 5.375% 5.859% 2.375 $2,836
Conventional 30-Year Refinance 6.000% 6.282% 2.250 $2,098
Jumbo 30-Year Refinance 6.250% 6.479% 2.375 $5,849
Loan Type Rate APR Points Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.228% APR and $2,166 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 5.928% APR and $2,039 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 5.893% APR and $2,859 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.251% APR and $2,098 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.467% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.254% APR and $2,166 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 5.881% APR and $2,024 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 5.859% APR and $2,836 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.282% APR and $2,098 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.479% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only.

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Your mortgage rate isn’t just a number—it’s a reflection of your unique financial profile. Factors like your credit score, loan amount, and debt-to-income ratio all play a role in determining what’s possible. We go beyond generic rates. Our experts analyze your details to give you a real, personalized estimate so that you can make informed decisions with clarity and confidence. No guesswork, no hidden fees. Just straightforward, expert-backed guidance to help you secure the best loan for your needs. Get your personalized rate now and see what’s possible.

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Find today's mortgage rates for your state

Mortgage and refinance rates vary by state. Click on your state below to find state-specific rates.

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