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Mortgage

Mortgage Rates & Loans

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Today's purchase rates

30-year Glossary Term: fixed 5/1 Glossary Term: ARM  (variable)
Glossary Term: Rate 4.250% 3.000% 5/1 ARM interest rate and payment subject to increase after 5 years.
Glossary Term: APR 4.376% 2.919%
Glossary Term: Points 0.510 0.080
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  • Get rates for purchase

Rates valid on 04/18/2014 10:00 AM ET. Chart data is for illustrative purposes only, assumes a borrower with excellent credit and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. Loan assumptions and disclosuresOpens in a new window 5/1 ARM interest rate and payment subject to increase after 5 years. Monthly payment example

Sample monthly payments ($200,000 loan)

Today's refinance rates

30-year Glossary Term: fixed 5/1 Glossary Term: ARM  (variable)
Glossary Term: Rate 4.500% 3.125% 5/1 ARM interest rate and payment subject to increase after 5 years.
Glossary Term: APR 4.588% 2.967%
Glossary Term: Points 0.106 0.198

Rates valid on 04/18/2014 10:00 AM ET. Chart data is for illustrative purposes only, assumes a borrower with excellent credit and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. Loan assumptions and disclosuresOpens in a new window 5/1 ARM interest rate and payment subject to increase after 5 years. Monthly payment example

Sample monthly payments ($200,000 loan)

Comparing mortgage rates

When you look at mortgage rates, you’ll see that they’re based on different factors, such as the type of mortgage, the Glossary Term: term and Glossary Term: points. There will be an Glossary Term: interest rate as well as an Glossary Term: annual percentage rate (APR). The APR is useful when you’re comparing the total cost of mortgage products among lenders, because it includes estimated loan fees and closing costs spread out over the length of the loan.

What are the main loan types?

Fixed-rate mortgagesfixed-rate mortgages

Fixed-rate mortgages have a set interest rate, so the principal and interest payment stays the same for the life of the loan.

Adjustable-rate mortgages (ARMs)adjustable rates mortgages

ARMs typically feature an interest rate and payment that are fixed for an initial period and then can adjust up or down, most commonly once a year, for the rest of the loan term.

Affordable housing assistance programsaffordable housing assistance programs

These can include programs to help with down payment and closing costs.

FHA & VA loansFHA & VA loans

Government loans like FHA and VA loans typically feature lower down payment requirements.

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