Today's Rates

Interest Rate APR Discount Points Down Payment

30 Year Conforming Fixed 4.000% 4.071% 0.00 20%

15 Year Conforming Fixed 3.375% 3.500% 0.00 20%

5/1 Conforming ARM 3.250% 3.804% 0.00 20%

7/1 Conforming ARM 3.375% 3.777% 0.00 20%

10/1 Conforming ARM 3.500% 3.762% 0.00 20%

30 Year Jumbo Fixed 3.875% 3.898% 0.00 30%

15 Year Jumbo Fixed 3.625% 3.665% 0.00 30%

30 Year FHA Fixed 3.750% 4.841% 0.00 3.50%

30 Year VA Fixed 3.625% 3.883% 0.00 0%

30 Year USDA Fixed 3.500% 4.323% 0.00 0%


Mortgage interest rates shown are based on a 30-day lock period.

Mortgage rates as of 4/21/2017 11:47 AM ET.   Interest rates and annual percentage rates (APRs) are based on current market conditions and are for informational purposes only. Interest rates and loan program terms are subject to change without notice and may be subject to pricing adjustors related to property type, loan amount, loan-to-value, credit score and other variables. Accuracy is not guaranteed and products may not be available to all borrowers, based on their individual situation. HomeServices Lending, LLC does not offer loans in all states. This is not a credit decision or commitment to lend. Depending on loan guidelines, mortgage insurance may be required and the mortgage insurance premium could increase the APR and monthly mortgage payment. Additional loan programs may be available.

Loan Assumptions

  • Conforming Conventional 15yr and 30yr Fixed
    • $300,000 Single-Family Purchase of Primary Residence (detached)
    • $225,000 Loan Amount (80% LTV and 20% Down Payment)
    • 745 FICO Score
  • Conforming Conventional 5/1, 7/1, and 10/1 ARM
    • $300,000 Single-Family Purchase of Primary Residence (detached)
    • $225,000 Loan Amount (75% LTV and 25% Down Payment)
    • 745 FICO Score
    • Index is One-Year LIBOR - the average of the interbank offered rates for 1-year U.S. dollar denominated deposits in the London Market, as published in the Wall Street Journal
    • 2.25% Margin
    • 1st Adjustment Cap is +/- 2.00% from the initial fixed rate for the 5yr ARM and +/- 5.00% for the 7yr and 10yr ARMs
    • Subsequent Adjustment Caps are +/- 2.00% from previous interest rate
    • Lifetime Cap is +/- 5.00% over the initial fixed rate
    • Lifetime Floor is 2.25%
  • Non-Conforming Conventional (Jumbo) 15yr and 30yr Fixed
    • $1,000,000 Single-Family Purchase of Primary Residence (detached)
    • $700,000 Loan Amount (70% LTV and 30% Down Payment)
    • 780 FICO Score
  • Government FHA 30yr Fixed
    • $200,000 Single-Family Purchase of Primary Residence (detached)
    • $193,000 Base Loan Amount (96.50% LTV and 3.50% Down Payment)
    • 720 FICO Score
  • Government VA 30yr Fixed
    • $200,000 Single-Family Purchase of Primary Residence (detached)
    • $200,000 Base Loan Amount (100% LTV and 0% Down Payment)
    • 720 FICO Score
  • Government USDA 30yr Fixed
    • $200,000 Single-Family Purchase of Primary Residence (detached)
    • $200,000 Base Loan Amount (100% LTV and 0% Down Payment)
    • 720 FICO Score