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        Current Mortgage and Refinance Rates

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        Use annual percentage rate APR, which includes fees and costs, to compare rates across lenders. Rates and APR below may include up to .50 in discount points as an upfront cost to borrowers and assume no cash out. Select product to see detail. Use our Compare Home Mortgage Loans Calculator for rates customized to your specific home financing need.

        ProductInterest Rate APR
        Conforming and Government Loans
        30-Year Fixed Rate 3.000% 3.092%
        30-Year Fixed-Rate VA 2.750% 2.981%
        20-Year Fixed Rate 2.750% 2.893%
        15-Year Fixed Rate 2.500% 2.667%
        7/1 ARM 2.625% 2.803%
        5/1 ARM 2.500% 2.784%
        Jumbo Loans– Amounts that exceed conforming loan limits
        30-Year Fixed-Rate Jumbo 3.250% 3.314%
        15-Year Fixed-Rate Jumbo 3.000% 3.097%
        7/1 ARM Jumbo 2.625% 2.745%
        10/1 ARM Jumbo 2.875% 2.868%
        Rates, terms, and fees as of 7/07/2020 10:15 AM Eastern Daylight Time and subject to change without notice.

        Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here.




          Apply online

        Our simplified mortgage application will walk you through each step.


        Apply Now


          Get prequalified

        Have us contact you to see how much you may be able to borrow.


        Get Started


        Talk to a consultant

         

        ProductInterest Rate APR
        Conforming and Government Loans
        30-Year Fixed Rate 3.250% 3.354%
        20-Year Fixed Rate 3.000% 3.117%
        15-Year Fixed Rate 2.875% 3.025%
        7/1 ARM 2.750% 2.841%
        5/1 ARM 2.750% 2.831%
        Rates, terms, and fees as of 7/07/2020 10:15 AM Eastern Daylight Time and subject to change without notice.

        Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here.



          Apply online

        Our simplified mortgage application will walk you through each step.


        Apply Now

          Explore your options

        Have us contact you to discuss your refinancing goals.


        Get Started

        Talk to a consultant

         

        Buying a house?

        Estimate how much you may be able to borrow

        Get Prequalified

        Annual Percentage Rate (APR)

        The cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees. For home equity lines, the APR is just the interest rate.

        Interest Rate

        The cost a customer pays to a lender for borrowing funds over a period of time expressed as a percentage rate of the loan amount.

        Conventional Conforming Mortgage

        Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC).

        Government

        A loan that is either backed by the Federal Housing Administration (FHA) or a VA loan for eligible service members and veterans.

        Larger Loan Amounts in Eligible Areas

        In federally designated metropolitan areas, conventional and government loan limits have been increased to assist homebuyers.

        Jumbo

        A loan that exceeds Fannie Mae's and Freddie Mac's loan limits. Also called a non-conforming loan.

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