Today's mortgage rates at Lower
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Legal Disclosures
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| FHA 30-Year Fixed | 5.625% | 6.382% | 2.125 | $2,195 |
| VA 30-Year Fixed | 5.490% | 5.822% | 2.125 | $2,009 |
| Conventional 15-Year Fixed | 5.375% | 5.785% | 2.250 | $2,836 |
| Conventional 30-Year Fixed | 5.990% | 6.203% | 1.875 | $2,096 |
| Jumbo 30-Year Fixed | 6.000% | 6.179% | 1.750 | $5,695 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| FHA 30-Year Refinance | 5.750% | 6.531% | 2.125 | $2,223 |
| VA 30-Year Refinance | 5.750% | 6.008% | 2.250 | $2,052 |
| Conventional 15-Year Refinance | 5.490% | 5.973% | 2.500 | $2,857 |
| Conventional 30-Year Refinance | 6.125% | 6.396% | 2.250 | $2,126 |
| Jumbo 30-Year Refinance | 5.875% | 6.131% | 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 6.382% APR and $2,195 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.
VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 5.822% APR and $2,009 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.
Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 5.785% APR and $2,836 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 6.203% APR and $2,096 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only.
Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.179% APR and $5,695 monthly payment at 70% loan-to-value (LTV) and 1.750 discount points. Payment is Principal and Interest example only.
FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.531% APR and $2,223 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.
VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.008% APR and $2,052 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 5.973% APR and $2,857 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 6.396% APR and $2,126 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 6.131% APR and $5,619 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.
Mortgage Rates Trend
Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures
Legal Disclosures
The chart shows Lower's historical posted mortgage rates for nationwide, sampled monthly on the 15th. Data effective through 2026-06-11. The chart displays historical note rates only. It does not display APR, discount points, fees, or other costs that affect total loan expense. For current rates with APR, points, and assumptions, see the rate table above. Historical rates are not predictive of current or future rates. This chart is not an offer of credit, a commitment to lend, or a Loan Estimate. Actual rates depend on credit profile, market conditions, loan amount, loan-to-value, occupancy, property type, and other factors, and can change daily. FHA loans require mortgage insurance premiums (MIP) not reflected in note rates shown. VA loans require a VA funding fee not reflected in note rates shown. Jumbo loans exceed conforming loan limits and carry different underwriting requirements.
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