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Current Mortgage and Refinance Rates

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The mortgage rates below are sample rates based on assumptions. Use our calculator to see estimated rates today for mortgage and refinance loans based on your specific needs.

Customized purchase rates

A mortgage prequalification checks your credit history for a confident rate estimate, and doesn’t affect your credit.

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Customized refinance rates

Estimate your monthly payments, annual percentage rate (APR), and mortgage interest rate to see if refinancing could be the right move.

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Product Interest Rate APR
Jumbo Loans– Amounts that exceed conforming loan limits
7/6-Month ARM Jumbo 6.375% 7.309%
15-Year Fixed-Rate Jumbo 6.625% 6.809%
30-Year Fixed-Rate Jumbo 6.75% 6.851%
Conforming and Government Loans
7/6-Month ARM 6.5% 7.472%
15-Year Fixed Rate 5.75% 6.067%
30-Year Fixed-Rate VA 6.5% 6.833%
30-Year Fixed Rate 6.5% 6.71%
Rates, terms, and fees as of 3/18/2024 10:15 AM Eastern Daylight Time and subject to change without notice.

Product Interest Rate APR
Jumbo Loans– Amounts that exceed conforming loan limits
7/6-Month ARM Jumbo 6.625% 7.439%
15-Year Fixed-Rate Jumbo 6.75% 6.955%
30-Year Fixed-Rate Jumbo 6.875% 7.002%
Conforming and Government Loans
7/6-Month ARM 6.875% 7.631%
15-Year Fixed Rate 6.0% 6.337%
30-Year Fixed Rate 6.875% 7.075%
Rates, terms, and fees as of 3/18/2024 10:15 AM Eastern Daylight Time and subject to change without notice.



Select a product to view important disclosures, payments, assumptions, and APR information as some rates may include up to 1.0 discount point as an upfront cost to borrowers. Rates for refinancing assume no cash out. Please note we offer additional home loan options not displayed here.


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Annual Percentage Rate (APR)

The cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees. For home equity lines, the APR is just the interest rate.

Interest Rate

The cost a customer pays to a lender for borrowing funds over a period of time expressed as a percentage rate of the loan amount.

Conventional Conforming Mortgage

Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC).

Government

A loan that is either backed by the Federal Housing Administration (FHA) or a VA loan for eligible service members and veterans.

Larger Loan Amounts in Eligible Areas

In federally designated metropolitan areas, conventional and government loan limits have been increased to assist homebuyers.

Jumbo

A loan that exceeds Fannie Mae's and Freddie Mac's loan limits. Also called a non-conforming loan.