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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 5.375% 5.661% 1.875 $1,984
Conventional 15-Year Fixed 5.125% 5.554% 2.250 $2,790
Conventional 30-Year Fixed 5.625% 5.858% 2.000 $2,014
Jumbo 30-Year Fixed 5.875% 6.087% 2.250 $5,619
Loan Type Rate APR Points Monthly Payment
FHA 30-Year Refinance 5.250% 5.995% 2.500 $2,111
VA 30-Year Refinance 5.375% 5.615% 2.125 $1,969
Conventional 15-Year Refinance 5.125% 5.585% 2.250 $2,790
Conventional 30-Year Refinance 5.625% 5.889% 2.125 $2,014
Jumbo 30-Year Refinance 5.875% 6.099% 2.375 $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 5.661% APR and $1,984 monthly payment at 70% loan-to-value (LTV) and 1.875 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 5.858% APR and $2,014 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.087% APR and $5,619 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 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 5.615% APR and $1,969 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 5.585% 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 Refinance: Interest rate offered based on $350,000 loan amount with 5.889% APR and $2,014 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.099% APR and $5,619 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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