Today’s mortgage rates — live estimates.
Explore Conventional, FHA, VA, USDA, and Jumbo. Adjust the loan amount and credit tier to see estimated APR and monthly payment. When you’re ready, apply for a fast pre‑approval.
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Live rate estimates
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Manual Rates Editor
Purchase APRs
Refinance APRs
Values are APR % (e.g., 6.75). Changes save to your browser and update the “Updated” timestamps.
These are sample estimates based on the loan amount shown and typical down‑payment assumptions per program; your actual rate/terms depend on your profile and market conditions. Not a commitment to lend.
How mortgage rates work (and what affects yours)
Mortgage rates vary by program (Conventional, FHA, VA, USDA, Jumbo), credit profile, down payment, property type, and market conditions. Your estimated APR also includes certain costs required to obtain the loan. The best way to find your exact rate is to apply for a custom quote.
- Credit & debt‑to‑income: Higher credit and lower DTI usually price better.
- Down payment & LTV: More equity can lower pricing and MI.
- Program & term: 15‑year often prices lower than 30‑year; VA/FHA/USDA have unique benefits.
- Market factors: Rates change with bond markets, inflation, and Fed policy.