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Mortgage Rates & Lenders

Published HTML representation for the mortgage hub template.

Nationwide mortgage rates

Enter a ZIP code to compare state-specific offers.

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Recommended ranks offers by APR first, then points and rate for the scenario shown.How we get these rates
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How we get these rates

Rates are supplied by participating providers and can change throughout the day. The offers shown are for comparison only; your actual rate and costs depend on your credit profile, loan-to-value ratio, location, points, and lender underwriting.

Mortgage Calculator

Use the tool below to estimate your monthly mortgage payment across different loan terms, then open the full calculator for amortization, PMI, and more.

Mortgage Payment Preview

$400,000
10-yr
6.25%
$3,593/mo
15-yr
6.5%
$2,788/mo
20-yr
6.75%
$2,433/mo
30-yr
7%
$2,129/mo

Lowest monthly

$2,129

Loan amount

$320,000

Best total paid

$431k

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Add amortization schedule, PMI estimates, taxes, and insurance to get the complete picture.
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Loan types compared

Rates are approximate — your actual rate depends on credit score, down payment, and lender.

30-Year Fixed

Min down: 3%

~6.9%

15-Year Fixed

Min down: 3%

~6.2%

5/1 ARM

Min down: 5%

~6.2%

FHA Loan

Min down: 3.5%

~6.7%

VA Loan

Min down: 0%

~6.5%

What buyers often miss

Four things that change your total cost dramatically.

Your rate vs. the headline rate

The rates you see advertised assume a 760+ credit score, 20% down, and a primary residence. Your actual rate could be materially higher depending on your credit profile and loan-to-value ratio.

A 0.5% rate difference is enormous

On a $400,000 30-year mortgage, the difference between 6.5% and 7.0% can mean well over one hundred dollars a month and tens of thousands in lifetime interest.

PITI is your real monthly payment

Principal and interest is only the starting point. Add property taxes, homeowners insurance, and association costs to understand the real carrying cost.

PMI adds up fast

Putting down less than 20% usually means private mortgage insurance. That protects the lender, not you, and can materially change total loan cost.

Compare lenders below ↓

Mortgage & Home Buying Articles

Guides on mortgage types, rates, and the home buying process.

How to Compare Mortgage APR, Points, and Lender Fees

A plain-English framework for comparing mortgage offers without focusing on rate alone.

7 min

Fixed vs. ARM: Which Mortgage Fits Your Timeline?

Use your time horizon, refinance odds, and payment flexibility to choose between fixed-rate and adjustable-rate loans.

6 min

How Much House Can You Afford Without Getting House-Poor?

Translate income, debts, taxes, insurance, and cash reserves into a safer home budget before you shop.

8 min