What impacts your rate?
The rate you qualify for is based on several factors, including:
- Credit profile
- Loan type and term
- Down payment
- Property type
What does APR mean?
APR (Annual Percentage Rate) reflects the total cost of the loan, including certain fees—not just the interest rate.
It gives you a more complete picture of the cost over time
Choosing the right loan term
Choosing the right loan term impacts both your monthly payment and long-term cost—based on the length of the loan, we’ll help you compare what makes the most sense for you.
Rates are just the starting point
While rates matter, they’re only one part of the decision.
We help you look at:
- Monthly payment
- Long-term goals
- Flexibility and future plans
The goal is not just a good rate - but the right fit.
Purchase & Refinance Loans: Annual Percentage Rate (APR) is approximate. Payment assumes a $250,000 price and value with a $50,000 down payment and a $200,000 mortgage. Payment does not include amounts for taxes and insurance premiums and the actual payment obligation may be greater. Other rates and programs available. Rate accurate as of 09/24/2026. All rates subject to change without notice.
Purchase Loan:1 Payments with an APR of 7.210% for purchase are $1,347.44 for 360 months. 2Payments with an APR of 7.235% for purchase are $1,565.64 for 240 months. 3Payments with an APR of 6.760% for purchase are $1,755.99 for 180 months.
Refinance Loan:4 Payments with an APR of 7.210% for refinance are $1,347.44 for 360 months. 5Payments with an APR of 6.760% for refinance are $1,755.99 for 180 months.
Common questions