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Mortgage Rates

Table data for Mortgage Rates
 Effective 12-20-2024
Program Rate APR Points Alert Me
Fixed Rate Alert Me
30 Year Fixed1 6.875% 7.000% 0.250
20 Year Fixed1 6.875% 7.022% 0.125
15 Year Fixed1 6.250% 6.465% 0.375
VA 30 Year Fixed2 6.250% 6.569% 0.375
FHA 30 Year Fixed3 6.250% 7.251% 0.375
USDA 30 Year Fixed4 6.250% 6.846% 0.375
Adjustable Rate (ARM) 5 Alert Me
10/1 ARM 5.875% 6.340% 0.000
7/1 ARM 5.500% 6.307% 0.000
5/1 ARM 5.250% 6.381% 0.000
Jumbo6 Alert Me
Jumbo 30 Year Fixed 6.875% 6.955% 0.250
Jumbo 15 Year Fixed 6.375% 6.519% 0.375
Jumbo 7/1 ARM 5.750% 6.391% 0.000
Jumbo 5/1 ARM 5.500% 6.436% 0.000

80/20 Program: please call 888-562-6391 for details.

The estimated calculation is based on the following additional assumptions: (1) the property is located in one of the following states: District of Columbia, Delaware, Florida, Maryland, New Jersey, Pennsylvania, Virginia, North Carolina, or South Carolina; and (2) an escrow account may be required such that any applicable taxes and insurance costs are collected monthly with your mortgage payment.

Your actual interest rate may differ depending on a number of factors, including your credit history and loan characteristics. This is not a credit decision or a commitment to lend. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10 years for a 10/1 ARM).

Points are upfront fees charged as a percentage of the loan amount. For example, .25 points mean .25 percent of the loan amount. See more information in our Rates and Closing Costs Information

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Rates are subject to change. Subject to credit approval.
  • 1The information provided assumes the purpose of the loan is to purchase a property with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product.

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  • 2The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $306,450 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720.↵
  • 3The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $305,250 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 700.

    Loan payment example: A FHA (96.5% LTV) loan of $305,250 for 30 years at 6.625% rate (7.790% APR) will have a principal, interest, and private mortgage insurance monthly payment of $2,092.05.↵
  • 4The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $301,800 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720.

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  • 5The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product.

    APR and payment are subject to increase after loan consummation. Rate is fixed for the first 5, 7 or 10 seven years respectively, and adjusts annually thereafter, based on the fully indexed rate. The fully indexed rate is arrived at by adding the weekly average yield of the 1-Year Constant Maturity Treasury plus a margin of 2.75%, rounded to the nearest 1/8%. The initial rate can change every year after the first 5, 7 or 10-year fixed period by no more than two percentage points, never to exceed five percentage points above the initial rate.↵
  • 6The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780.↵

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