Current Mortgage Rates | FHA mortgage rates | Total Mortgage

Today's Mortgage Rates

30-Year Fixed 3.750% (3.970%APR*)
15-Year Fixed 2.875% (3.256%APR*)
30-Year FHA 3.250% (4.869%APR*)
30-Year Fixed Jumbo 3.750% (3.963%APR*)
5/1-Year ARM 2.500% (3.682%APR*)

Rates accurate as of 07/22/2017

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How is my interest rate chosen?

Interest rates aren't one-size-fits-all. Your loan officer will take into account a whole host of variables when determining yours. Here are some of the factors you can expect to influence your personalized rate quote:

  • Your Loan type
  • Your credit score
  • The value of your house
  • The amount of time you've lived in your home
  • Whether or not you plan to occupy the property
  • When and on what schedule you pay property taxes and insurance
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*Disclaimers:
Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two points for an owner-occupied primary residence unless otherwise noted. The APR for a 30-year conventional fixed-rate mortgage loan is calculated using a loan amount of $417,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, a $10 flood certification fee, and a $20 credit report fee.* The APR for a 15-year conventional fixed-rate mortgage loan is calculated using a loan amount of $417,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, a $10 flood certification fee, and a $20 credit report fee. 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee, and a $20 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $295,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee, and a $20 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $417,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee and a $20 credit report fee. Some rates and fees may vary by state.* *Products are subject to availability on a state-by-state basis. All interest rates listed are for qualified applicants with 740 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.