Today's sample mortgage rates
Rates and APRs side by side, with every assumption spelled out. Your personalised quote takes about ten minutes.
30-year fixed
6.125%
APR 6.284%
Sample as of September 15, 2026
Sample rates by loan type
For illustration only| Loan product | Rate | APR | Points | Monthly P&I* | Trend | Details |
|---|---|---|---|---|---|---|
| 30-year fixed | 6.125% | 6.284% | 0.625 | $3,038 | Lower | Program details for 30-year fixed |
| 20-year fixed | 5.990% | 6.172% | 0.500 | $3,580 | Lower | Program details for 20-year fixed |
| 15-year fixed | 5.500% | 5.721% | 0.500 | $4,085 | Unchanged | Program details for 15-year fixed |
| 30-year FHA | 5.875% | 6.812% | 0.375 | $2,958 | Lower | Program details for 30-year FHA |
| 30-year VA | 5.750% | 5.968% | 0.250 | $2,918 | Unchanged | Program details for 30-year VA |
| 7/6 ARM | 5.625% | 6.410% | 0.375 | $2,878 | Higher | Program details for 7/6 ARM |
| 30-year jumbo | 6.250% | 6.338% | 0.500 | $3,079 | Lower | Program details for 30-year jumbo |
| 30-year USDA | 5.750% | 6.197% | 0.250 | $2,918 | Unchanged | Program details for 30-year USDA |
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Sample rates for illustration only, as of September 15, 2026. Assumes a $500,000 loan amount, a purchase price of $625,000 (80% loan-to-value; 96.5% for FHA and 100% for VA and USDA), a 760 credit score, a single-family primary residence in Suffolk County, and a 45-day rate lock. APR includes estimated lender fees and, where applicable, mortgage insurance or guarantee fees. Payments shown include principal and interest only; taxes and insurance will increase the actual payment. Your rate and APR will vary based on credit, loan amount, property and market conditions. This is not a commitment to lend.
What moves your rate
Six factors account for nearly every difference between a sample rate and the one you are quoted.
- Credit score
- Pricing improves at each 20-point tier, with the best conventional pricing at 780 and above.
- Down payment
- A larger down payment lowers risk and can reduce both your rate and mortgage insurance.
- Property type
- Condos, 2 to 4 unit homes and investment properties carry small pricing adjustments.
- Lock period
- Longer locks cost slightly more. A 60-day lock protects closings further out.
- Points and credits
- Pay points to buy the rate down, or take lender credits to cover closing costs.
- Loan type and size
- Government, conforming and jumbo loans are priced differently by investors.
Lock with a safety net
Once you are under contract, a rate lock guarantees your rate while we finish underwriting.
- 30, 45 and 60-day locks for typical purchase timelines
- One-time float-down if rates fall 0.25% or more before closing (sample policy)
- Free rate alerts by text or email when rates hit your target
Rate questions
APR includes certain loan costs such as points, origination charges and mortgage insurance, expressed as a yearly rate. It helps you compare offers with different fees.
Mortgage pricing can change several times a day with bond markets. We publish sample rates each business morning for reference.
These are illustrations. Your loan officer will quote a lockable rate once we review your credit, property and loan details.
Get a rate quoted for you
A pre-approval takes about 10 minutes online and does not affect your credit score. A local loan officer follows up the same day.
- Soft credit check
- 24-day average close
- 4.9 from 1,284 reviews
