Today's Mortgage Rates

These are our current mortgage rates for some of our most popular loan programs. Rates are updated daily. Please keep in mind that the interest rate you will qualify for depends on many factors, including your credit, your loan amount and your down payment. For a personalized mortgage quote, please get started online.

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Conventional 30 Yr Fixed

Rate 5.99%

APR 6.051%

Last Update: January, 16th 2026 09:22:05 AM

Conventional 15 Yr Fixed

Rate 5.49%

APR 5.7%

Last Update: January, 16th 2026 09:22:05 AM

FHA 30 Yr Fixed

Rate 5.625%

APR 6.404%

Last Update: January, 16th 2026 09:22:05 AM

VA 30 Yr Fixed

Rate 6%

APR 6.296%

Last Update: January, 16th 2026 09:22:05 AM

*View Legal Disclosures

Legal Disclosures

30-year Fixed-Rate Loan:

The estimated interest rate is based on a $175,000, 30-year Fixed-Rate Conventional Loan with a purchase price of $250,000, a 25 Day Lock, FICO score 760, and loan-to-value (LTV) 70%. The quote above includes one discount point. One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

15-year Fixed-Rate Loan:

The estimated interest rate is based on a $175,000, 15-year Fixed-Rate Loan with a purchase price of $250,000, a 25 Day Lock, FICO score 760, and loan-to-value (LTV) 70%. The quote above includes one discount point. One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

30-year Fixed-Rate VA Loan:

The estimated interest rate is based on a $250,000, 30-year Fixed-Rate VA Loan with a 25 day lock, FICO score 760, and loan-to-value (LTV) 100%. The quote above includes one discount point. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.

FHA Loan - Rate is fixed:

The estimated interest rate is based on a $241,250, FHA 30-year Fixed-Rate Loan with a 25 day lock, FICO score 760, and loan-to-value (LTV) 96.5% (purchase price is $250,000). The quote above includes one discount point. Mortgage payment would include a one-time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.55% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of 96.5%, the 0.5% monthly MIP will be paid for the first 11 years of the mortgage term. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

Some state and county maximum loan amount restrictions may apply.

Assumptions

Lenders calculate rates using assumptions: basic loan details. For all rates shown, unless otherwise noted, we assumed:
You’re buying or refinancing a single-family home that’s your primary residence.
If refinancing, you’re not taking cash out.
Closing costs will be paid up front, not rolled into the loan.
Your debt-to-income ratio is less than 30%.
Your credit score is over 760.
You’ll have an escrow account for payment of taxes and insurance.

Disclosures

Mortgage rates can change daily.
Some loan options may not be available in all states.
Some jumbo loan options may not be available to first-time home buyers.
Lending services may not be available in all areas.
Some restrictions may apply.
The rate lock period is 25 days.

Mortgage Rates Frequently Asked Questions

What determines my interest rate?

Your interest rate is shaped by the general level of interest rates in the economy. In addition, there are 7 personal factors: credit score, home location, home price and loan amount, down payment, loan term, interest rate type and loan type. A lender will use these items to determine your credit worthiness, your ability to repay your loan, and your interest rate. If you speak with a lender who gives you a rate without examining these factors, the rate isn't real. It is a rate for someone, but it may or may not be the rate for you.

What’s the difference between my mortgage interest rate and APR (annual percentage rate)?

An interest rate is simply the cost you pay each year to a lender, expressed as a percentage rate. Mortgage interest rates are dependent on current market conditions, how much you looking to borrow, and your personal financial profile.

An annual percentage rate (APR) is a much more comprehensive rate a borrower pays and often includes other charges or fees such as mortgage insurance, closing costs, discount points and loan origination fees.

What are discount points?

What if rates drop after I lock?

Once you lock an interest rate, you’re protected from any changes in the market that could cause rates to increase. However, if rates decrease, you will not be able to take advantage of those favorable market movements. When you lock your loan you’re essentially freezing that interest rate, you don’t have to worry if rates go up between the time you submit an offer and close on the mortgage.

What is a fixed rate mortgage?

A fixed rate mortgage will have the same interest rate for the entire life of the loan. For example, if you were to purchase a new home with a 30-year fixed mortgage, your principal and interest payment would remain the same every month for the entire 30-year term (please note, this doesn’t not take into account your taxes, insurance, and additional fees which may change over time). A fixed rate mortgage offers more stability and is easier to budget for over long term.

What is an adjustable rate mortgage?

An ARM or Adjustable Rate Mortgage is a mortgage loan where the interest rate may change over the life of the loan. ARMs are typically structured so the interest rate on the loan will remain fixed for an initial period of time, and then adjust annually. For example, with a 5/1 ARM - the interest rate for the first 5 years would remain fixed. After that initial 5-year period, the interest rate on your mortgage will then adjust annually based on market rates and conditions.

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As a full-service mortgage lender, we have the solution for nearly every mortgage need. From renovation loans to financing for manufactures housing, and everything in between, our goal is to make home ownership more accessible.

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Today's Mortgage Rates

Conventional 30 Yr Fixed

Conventional 15 Yr Fixed

FHA 30 Yr Fixed

VA 30 Yr Fixed

Legal Disclosures

Mortgage Rates Frequently Asked Questions

What determines my interest rate?

What’s the difference between my mortgage interest rate and APR (annual percentage rate)?

What are discount points?

What if rates drop after I lock?

What is a fixed rate mortgage?

What is an adjustable rate mortgage?

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