Example rates this week.
Sample rates from the lenders we work with, so you can compare loan types. Your own rate comes after a short call.
30-year fixed
6.250%
APR 6.412%
0.5 points
20-year fixed
6.000%
APR 6.198%
0.5 points
15-year fixed
5.500%
APR 5.731%
0.5 points
7/6 ARM
5.625%
APR 6.284%
0.5 points
FHA 30-year fixed
5.875%
APR 6.871%
0 points
VA 30-year fixed
5.750%
APR 5.962%
0 points
Sample rates for illustration, updated weekly. Based on a $400,000 purchase in Wake County with 20 percent down (FHA: 3.5 percent, VA: no down payment), a 760 credit score and a single-family home. ARM rates can rise after the fixed period. FHA APR includes mortgage insurance. This is not a commitment to lend.
What moves your rate.
What goes into a monthly payment.
A payment is more than the loan. Pick a down payment to see how the parts change on a $400,000 home.
Example only, not a quote. 30-year fixed at 6.25 percent, property taxes of $290 and homeowners insurance of $150 a month, and mortgage insurance estimated for each down payment. Your numbers depend on your credit, the home and the lender.
About rate locks.
What is a rate lock?
What if rates drop after I lock?
When should I lock?
Start with a free pre-approval.
It takes about 15 minutes online, and a loan officer calls you back the same business day.
Talk to Maya, Andre or Lin.