Sample rates. These are realistic placeholder rates (updated Sep 17, 2026) until an administrator publishes live rates. Your lender quote will differ.
| Loan type | Rate | APR | Points | Min credit | Min down |
|---|---|---|---|---|---|
| Conventional 30-year The standard 30-year loan from a bank or lender. Best rates for good credit; 3-5% down minimum. | 6.375% | 6.452% | 0.50 | 620 | 3.0% |
| Conventional 15-year Same loan, half the time. Higher payment, much lower rate and total interest. | 5.750% | 5.861% | 0.50 | 620 | 3.0% |
| FHA 30-year Government-insured loan with 3.5% down and flexible credit (580+). Mortgage insurance for the life of the loan. | 5.990% | 6.870% | 0.50 | 580 | 3.5% |
| VA 30-year $0 down, no monthly mortgage insurance, competitive rates. For veterans, service members and eligible spouses. | 5.875% | 6.110% | 0.50 | 580 | $0 |
| USDA 30-year $0-down loan for homes in eligible rural and many suburban areas, with household income limits. | 6.000% | 6.610% | 0.50 | 640 | $0 |
| Jumbo 30-year For loan amounts above the conforming limit. Stronger credit, reserves and 10%+ down expected. | 6.625% | 6.702% | 0.50 | 700 | 10.0% |
| 5/1 ARM Fixed for 5 years, then the rate adjusts once a year within caps. Lower starting rate. | 5.875% | 6.905% | 0.50 | 620 | 5.0% |
| DSCR investor loan Investor loan qualified on the property's rent instead of your income. DSCR = rent divided by the payment. | 7.250% | 7.520% | 1.00 | 660 | 20.0% |
| Hard money Short-term, asset-based loan that closes in days. Interest-only, 10-13%, 6-24 months. Built for flips. | 11.000% | 12.500% | 2.00 | n/a | 20.0% |
| HELOC A credit line against the equity in a home you already own. Draw what you need, pay interest only on that. | 8.500% | 8.500% | 0.00 | 680 | $0 |
Rate = the interest you pay. APR = rate plus fees and mortgage insurance, spread over the loan; better for comparing offers. Points = upfront fee as a % of the loan to buy a lower rate (1 point = 1%). Rates shown assume a 760+ credit score on a primary home.
How your credit score moves the rate
Add this to the table rate for your range. Second homes add 0.25%; investment properties add 0.50%.
760+Base%
720-759+0.125%
680-719+0.375%
640-679+0.625%
600-639+1.000%
<600+1.250%
unknown+0.500%
Example: conventional 30-year at 6.375% becomes 6.750% for a 680-719 score, about $74/mo more on a $300,000 loan.
Refinance break-even
OwnersMonthly savings$0
Rate alerts
Tell us the rate you are waiting for and we will email you when that loan type gets there. No spam, one email when it matters.
- Buying soon? Pair an alert with a pre-qualification so you can move the day rates drop.
- Refinancing? Use the break-even tool above to pick your target.