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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 5.250% 5.971% 2.250 $2,111
VA 30-Year Fixed 5.250% 5.569% 2.250 $1,956
Conventional 15-Year Fixed 5.125% 5.554% 2.250 $2,790
Conventional 30-Year Fixed 5.500% 5.743% 2.125 $1,987
Jumbo 30-Year Fixed 6.000% 6.189% 2.000 $5,695
Loan Type Rate APR Points Monthly Payment
FHA 30-Year Refinance 5.250% 5.995% 2.500 $2,111
VA 30-Year Refinance 5.250% 5.524% 2.500 $1,942
Conventional 15-Year Refinance 5.000% 5.498% 2.500 $2,767
Conventional 30-Year Refinance 5.500% 5.774% 2.250 $1,987
Jumbo 30-Year Refinance 5.875% 6.111% 2.500 $5,619
Loan Type Rate APR Points Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 5.971% APR and $2,111 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 5.569% APR and $1,956 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 5.554% APR and $2,790 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 5.743% APR and $1,987 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 6.189% APR and $5,695 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 5.995% APR and $2,111 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 5.524% APR and $1,942 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 5.498% APR and $2,767 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 5.774% APR and $1,987 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 6.111% APR and $5,619 monthly payment at 70% loan-to-value (LTV) and 2.500 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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