Conventional
30-year fixed
Worth the points if you expect to keep the loan past year five.
6.125%
APR 6.248% · 0.500 pts
Sample rates · November 1, 2026
Today’s board, written so you can compare it.
Principal and interest only, per $100,000 borrowed. Taxes, insurance, and mortgage insurance are not in that figure — the calculator adds them.
Conventional
20-year fixed
A middle path when fifteen years feels like too much payment.
5.875%
APR 6.012% · 0.375 pts
Conventional
15-year fixed
Higher monthly payment, far less interest over the life of the loan.
5.500%
APR 5.641% · 0.375 pts
FHA
FHA 30-year
APR includes mortgage insurance. Down payments from 3.5%.
5.875%
APR 6.712% · 0.000 pts
VA
VA 30-year
For eligible veterans and service members. No monthly mortgage insurance.
5.625%
APR 5.801% · 0.000 pts
ARM
7/6 ARM
Fixed for seven years, then adjusts. Payment math uses a 30-year term.
5.750%
APR 6.402% · 0.250 pts
Jumbo
Jumbo 30-year
For loan amounts above the conforming limit in your county.
6.375%
APR 6.489% · 0.500 pts