Mortgage Rates
Mortgage Rates
Home loan financing terms, disclosures, and example scenarios.
Purchase: Conforming Loan Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Purchase | 7.125% | 7.244% | 0.500 | $450,000.00 | $3031.73 |
| 15-year Fixed Rate Purchase | 6.625% | 6.791% | 0.375 | $450,000.00 | $3950.97 |
Interest Rates Effective: 10/15/2026
Purchase: 7/1 Adjustable Rate Mortgage (ARM)
Apply Now| Loan Type | Loan Type Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment - 7 years | Ex: Monthly Payment - 23 years |
|---|---|---|---|---|---|---|
| 7/1 ARM | 6.875%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 | 7.237% | 0.000 | $450,000.00 | $2,956.18 | $4,585.50 maximum P&I payment over the remaining 23 years |
Interest Rates Effective: 10/15/2026
Refinance: Rate-and-Term Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Refinance | 7.250% | 7.345% | 0.250 | $450,000.00 | $3069.79 |
| 15-year Fixed Rate Refinance | 6.875% | 6.984% | 0.000 | $450,000.00 | $4013.34 |
Interest Rates Effective: 10/15/2026
Refinance: Cash-out Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Cash-out Refinance | 7.500% | 7.585% | 0.125 | $450,000 includes $150,000 cash out | $3146.47 |
| 15-year Fixed Cash-out Refinance | 7.375% | 7.489% | 0.000 | $450,000 includes $150,000 cash out | $4139.65 |
Interest Rates Effective: 10/15/2026
Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Jumbo: Purchase Loan Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Jumbo Purchase | 7.250% | 7.326% | 0.125 | $900,000.00 | $6139.59 |
| 15-year Fixed Rate Jumbo Purchase | 7.250% | 7.352% | 0.000 | $900,000.00 | $8215.77 |
Interest Rates Effective: 10/15/2026
Jumbo: Rate-and-Term Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Jumbo Refinance | 7.490% | 7.555% | 0.000 | $900,000.00 | $6,286.77 |
| 15-year Fixed Rate Jumbo Refinance | 7.500% | 7.604% | 0.000 | $900,000.00 | $8343.11 |
Interest Rates Effective: 10/15/2026
Jumbo: Cash-out Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Jumbo Cash-out Refinance | 7.375% | 7.452% | 0.125 | $910,000.00 includes $250,000 cash out | $6285.14 |
| 15-year Fixed Rate Jumbo Cash-out Refinance | 7.375% | 7.478% | 0.000 | $910,000.00 Includes $250,000 Cash Out | $8,371.30 |
Interest Rates Effective: 10/15/2026
Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Manufactured Homes: Purchase
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate MH Purchase | 7.250% | 7.341% | 0.125 | $375,000.00 | $2558.16 |
| 15-year Fixed Rate MH Purchase | 7.125% | 7.249% | 0.000 | $375,000.00 | $3,396.87 |
Interest Rates Effective: 10/15/2026
Rates listed are for primary residence in manufactured home with a 25% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Manufactured Homes: Refinance Rate-and-Term Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate MH Refinance | 7.375% | 7.454% | 0.000 | $375,000.00 | $2590.03 |
| 15-year Fixed Rate MH Refinance | 7.125% | 7.290% | 0.250 | $375,000.00 | $3,396.87 |
Interest Rates Effective: 10/15/2026
Rates listed are for primary residence in manufactured home with 25% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Manufactured Homes: Cash-out Refi
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate MH Cash-out Refi | 7.500% | 7.613% | 0.000 | $325,000.00 | $2,618.18 |
| 15-year Fixed Rate MH Cash-out Refi | 7.125% | 7.402% | 0.875 | $325,000.00 | $2,943.95 |
Interest Rates Effective: 10/15/2026
Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Purchase
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year VA Purchase | 6.875% | 7.167% | 0.250 | $510,750.00 | $3,355.26 |
Interest Rates Effective: 10/15/2026
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments include principal, interest and financing of the VA Funding Fee. Actual fee amount may vary based on loan type and borrower eligibility. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Rate & Term Refi
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate VA Refinance | 6.990% | 7.103% | 0.000 | $500,000.00 | $3323.16 |
Interest Rates Effective: 10/15/2026
Rates listed are for primary residence in single family home with 0% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments include principal, interest and financing of the VA Funding Fee. Actual fee amount may vary based on loan type and borrower eligibility. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Cash-out Refi
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Cash-out VA Refinance | 6.875% | 7.182% | 0.375 | $459,675.00 | $3,019.74 |
Interest Rates Effective: 10/15/2026
Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments include principal, interest and financing of the VA Funding Fee. Actual fee amount may vary based on loan type and borrower eligibility. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year USDA Fixed Rate Purchase | 6.750% | 7.266% | 0.000 | $505,050.00 | $3422.34 |
Interest Rates Effective: 10/15/2026
USDA Guaranteed Loans include a one-time upfront guarantee fee of 1% of the loan amount, which can be financed into the loan or paid at closing. An annual fee of 0.35% of the remaining loan balance is also required and paid monthly as part of your mortgage payment. These fees help support the USDA loan program and are subject to change annually.
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments are estimates based on final loan amount and include principal, interest, the USDA Annual Fee and financing of the upfront USDA Guarantee Fee. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice and are subject to credit approval. Ask us about additional available loan programs.
Land Loans Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 20 Year Fixed Rate Land Purchase (20yr / 5yr balloon) | 8.625% | 9.096% | 0.000 | $140,000.00 | $1226.05 |
Interest Rates Effective: 10/15/2026
Home Equity Loans
Apply Now| Loan Term | Closing Costs | APR | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|
| 15-year Fixed Rate Home Loan | Paid by Customer | 8.125% | $100,000 | $962.88 |
Interest Rates Effective: 10/15/2026