Today’s Mortgage Rates

Lower Rates
Lower Fees

30-Year Fixed

98.875
5.375
5.502
Lender Fees:
Discount Points:
1.000%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
5.625
5.684
Lender Fees:
Discount Points:
0.250%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
*Income restrictions apply

15-Year Fixed

98.875
4.750
4.963
Lender Fees:
Discount Points:
1.000%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
5.000
5.099
Lender Fees:
Discount Points:
0.250%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
*Income restrictions apply

30-Year FHA

98.875
5.125
6.269
Lender Fees:
Discount Points:
0.875%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
5.500
6.613
Lender Fees:
Discount Points:
0.500%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year VA

98.875
5.125
5.434
Lender Fees:
Discount Points:
0.750%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
5.250
5.515
Lender Fees:
Discount Points:
0.250%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year Jumbo

98.875
6.250
6.357
Lender Fees:
Discount Points:
0.875%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
6.375
6.434
Lender Fees:
Discount Points:
0.375%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
Rates as of:
7:47AM Pacific Time on February 2nd, 2023
Get Personalized Rates

Disclosures and Assumptions

30-Year Fixed-Rate Mortgage:

98.875
The payment on a $647,000 30-year Fixed-Rate Loan at 5.375% and 75% loan-to-value (LTV) is $3,623 with 1 points due at closing. The Annual Percentage Rate (APR) is 5.502%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
99.5
The payment on a $647,000 30-year Fixed-Rate Loan at 5.625% and 75% loan-to-value (LTV) is $3,725 with 0.25 points due at closing. The Annual Percentage Rate (APR) is 5.684%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

15-Year Fixed-Rate Mortgage:

98.875
The payment on a $647,000 15-year Fixed-Rate Loan at 4.750% and 75% loan-to-value (LTV) is $5,033 with 1 points due at closing. The Annual Percentage Rate (APR) is 4.963%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
99.5
The payment on a $647,000 15-year Fixed-Rate Loan at 5.000% and 75% loan-to-value (LTV) is $5,116 with 0.25 points due at closing. The Annual Percentage Rate (APR) is 5.099%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

30-Year FHA Loan:

98.875
Rate is fixed. The payment on a $420,000, 30-year fixed rate loan at 5.125% and 96.3% loan-to-value (LTV) is $2,622 with 0.875 points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.85% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of less than or equal to 90%, the monthly MIP will be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever comes first. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. The Annual Percentage Rate (APR) is 6.269%.
99.5
Rate is fixed. The payment on a $420,000, 30-year fixed rate loan at 5.500% and 96.3% loan-to-value (LTV) is $2,722 with 0.5 points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.85% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of less than or equal to 90%, the monthly MIP will be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever comes first. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. The Annual Percentage Rate (APR) is 6.613%.

30-Year VA Fixed-Rate Mortgage:

98.875
Rate is fixed. The payment on a $625,000, 30-year fixed-rate loan at 5.125% and 100% loan-to-value (LTV) is $3,481 with 0.75 points due at closing. The Annual Percentage Rate (APR) is 5.434%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.
99.5
Rate is fixed. The payment on a $625,000, 30-year fixed-rate loan at 5.250% and 100% loan-to-value (LTV) is $3,531 with 0.25 points due at closing. The Annual Percentage Rate (APR) is 5.515%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.

30-Year Jumbo Fixed-Rate Mortgage:

98.875
The payment on a $1,200,000 30-year Fixed-Rate Loan at 6.250% and 75% loan-to-value (LTV) is $7,389 with 0.875 points due at closing. The Annual Percentage Rate (APR) is 6.357%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
99.5
The payment on a $1,200,000 30-year Fixed-Rate Loan at 6.375% and 75% loan-to-value (LTV) is $7,486 with 0.375 points due at closing. The Annual Percentage Rate (APR) is 6.434%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.