This season
October: get the house ready for cold weather
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01
Home Care
Routines, projects, and the whole-home view that keeps a house working.
19 guides
02
Fix It
What's urgent, what can wait, and what a useful repair looks like.
52 guides
03
Rooms
Layouts, light, color, and small changes that make a room work better.
12 guides
04
Organize
Storage, closets, garages, and getting more use out of the space you have.
13 guides
05
Outside
The yard, garden, and everything around the house.
10 guides
06
Save Money
Comfort and efficiency moves that cut waste you don't need to pay for.
4 guides
07
Buying Guides
Compare home products and services by fit, upkeep, and total cost.
13 guides
08
Money
Household costs, reserves, and the bigger financial picture.
6 guides
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This week
Tools
Run your own numbers
Today's mortgage rates
Better Offers Inc sample rate for October 13, 2026. Your rate depends on your credit, down payment and home.
Get your custom quote →* Rate and APR assumptions
- 780 FICO credit score. This is the score used to price this example, not a minimum qualification score.
- $400,000 conventional purchase loan; $500,000 purchase price and appraised value; $100,000 down payment (20%); 80% loan-to-value.
- Owner-occupied, single-family primary residence in Ventura County, California (ZIP 93065); no second mortgage.
- 30-year fixed term and 30-day lock pricing; no temporary buydown; taxes and insurance escrowed.
- $0 origination fee; 0 discount points; lender underwriting fee waived in this pricing option. APR assumes no additional prepaid finance charges.
- No mortgage insurance at 80% loan-to-value. Employed borrower, $15,000 monthly income, debt-to-income ratio no greater than 45%, not a first-time buyer.
- 360 regular monthly principal-and-interest payments of approximately $2874.50. Property taxes and homeowners insurance are additional, so the total payment will be higher.
- APR uses regular monthly payment periods. Closing date, prepaid interest, additional finance charges or a different first-payment interval can change APR. Rates and APRs for other credit scores or scenarios may differ.
- The rate and APR are a dated sample for the stated scenario, not a Loan Estimate, approval, commitment to lend or rate lock.
- Rates and pricing may change without notice. Request current pricing before making a financing decision.
- Actual eligibility, interest rate, APR and costs depend on credit score, loan amount, loan-to-value, property, purpose, occupancy and other underwriting factors.
- No origination fee does not mean no closing costs. Appraisal, title, recording, prepaid interest, taxes, insurance and other applicable costs may be due.