- Home
- Sample rates
Sample rates, shown with APR and points
Illustrative pricing as of September 15, 2026. Use these numbers for planning, then get a personalized quote in minutes.
For illustration only. These are sample rates on a demo website, not an offer or commitment to lend. Your rate depends on your credit, loan amount, property and the market when you lock.
Today's sample rates
30 year fixed
Most popular6.125%
APR 6.241% · 0.5 pts
$2,430/mo principal and interest
- Lowest monthly payment
- Free 60 day rate lock
- PMI cancels at 22% equity
20 year fixed
5.875%
APR 6.012% · 0.5 pts
$2,837/mo principal and interest
- Pay off 10 years sooner
- Lower rate than a 30 year
- Free 60 day rate lock
15 year fixed
5.375%
APR 5.566% · 0.5 pts
$3,242/mo principal and interest
- Least total interest
- Build equity fastest
- No prepayment penalty
30 year FHA
5.750%
APR 6.698% · 0.25 pts
$2,334/mo principal and interest
- 3.5% down from 580 credit
- Seller credits up to 6%
- Assumable by a future buyer
30 year VA
5.625%
APR 5.873% · 0.25 pts
$2,303/mo principal and interest
- 0% down, no monthly PMI
- Funding fee can be financed
- COE pulled for you
7/6 ARM jumbo
5.990%
APR 6.472% · 0.375 pts
$2,396/mo principal and interest
- Loans above $806,500
- Fixed for the first 7 years
- Self-employed friendly
30 year fixed
Most popular6.250%
APR 6.370% · 0.5 pts
$2,463/mo principal and interest
- Lowest monthly payment
- Free 60 day rate lock
- PMI cancels at 22% equity
15 year fixed
5.500%
APR 5.694% · 0.5 pts
$3,268/mo principal and interest
- Least total interest
- Build equity fastest
- No prepayment penalty
30 year cash-out
6.625%
APR 6.781% · 0.75 pts
$2,561/mo principal and interest
- Borrow up to 80% of value
- One payment for all debts
- 5 year cost shown first
VA IRRRL 30 year
5.625%
APR 5.790% · 0 pts
$2,303/mo principal and interest
- No appraisal in most cases
- Little paperwork
- Lower your VA rate
HELOC (prime + 0.5)
8.000%
APR 8.000% · 0 pts
Varies
- Keep your low first mortgage
- Draw only what you use
- Interest-only draw period
Assumptions behind these samples
- Credit score of 760 or higher, primary single-family residence in Salt Lake County.
- Loan amount of $400,000 with 20% down (10% for jumbo, 3.5% for FHA, 0% for VA).
- 45 day rate lock. Points shown as a percentage of the loan amount.
- APR includes sample lender fee of $995 and estimated prepaid finance charges. FHA and VA APRs include mortgage insurance or funding fee.
- Payments show principal and interest only and exclude taxes, insurance and mortgage insurance.
- HELOC rate is variable, based on a sample prime rate of 7.50% plus a margin of 0.50%.
Six things that move your rate
Credit score
Pricing improves at 680, 700, 720, 740 and 760. A 40 point jump can move your rate by 0.25% or more.
Down payment
More equity lowers risk. The biggest steps are at 5%, 10%, 15% and 20% down.
Property type
Condos, 2 to 4 units and investment homes carry small pricing adjustments.
Lock period
Longer locks for new construction cost a little more than a 30 or 45 day lock.
Points
Paying points lowers your rate. Lender credits raise it but reduce cash to close.
The market
Rates follow mortgage-backed securities, which move with inflation data and Treasury yields.
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