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Today’s Rates
30 Yr Conventional Fixed
1.976 points
What are mortgage points?
Purchasing mortgage points is essentially prepaying interest to the lender, which allows you to secure a lower interest rate for the life of the loan.
Not sure if you should pay points? Don’t worry. You don’t have to decide until a few days before closing.
What are mortgage points?Purchasing mortgage points is essentially prepaying interest to the lender, which allows you to secure a lower interest rate for the life of the loan.
Not sure if you should pay points? Don’t worry. You don’t have to decide until a few days before closing.
5.990%
Interest rates
This is the interest rate applied to your home loan, and directly affects your monthly payment. Locking in a competitive rate can help you save on interest, and make homeownership more affordable.
Interest ratesThis is the interest rate applied to your home loan, and directly affects your monthly payment. Locking in a competitive rate can help you save on interest, and make homeownership more affordable.
APR 6.215%
APR: (Annual Percentage Rate)
The total cost of your mortgage, including interest, lender fees, and other charges. Since lenders can pick and choose what is included in this calculation, it’s not the best way to compare.
APR: (Annual Percentage Rate)The total cost of your mortgage, including interest, lender fees, and other charges. Since lenders can pick and choose what is included in this calculation, it’s not the best way to compare.
Lowest rate, highest upfront cost
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0.575 points
6.375%
APR 6.468%
Low rate with upfront cost
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-0.269 points
6.625%
APR 6.653%
Balanced rate and upfront costs
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-0.892 points
6.875%
APR 6.878%
Lowest upfront cost
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Rates as of July 2, 2025 See Rate Assumptions
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