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Updated May 9, 2026

Today's Sample Rates

View current sample mortgage options, then get a personalized quote for your exact scenario.

30-Year Fixed

Popular

5.875%

6.026% APR

Sample rate · 30-year term

15-Year Fixed

5.250%

5.471% APR

Sample rate · 15-year term

FHA 30-Year

Low down payment

5.375%

6.142% APR

Sample rate · 30-year term

VA 30-Year

Eligible veterans

5.375%

5.661% APR

Sample rate · 30-year term

View Current Rates Get My Quote

Sample rates are for informational purposes only and are not a loan offer, approval, or rate lock. Actual rate and APR depend on credit profile, loan amount, property type, occupancy, down payment, and other factors.

Loan Programs for Every Situation

Whether you're buying your first home or investing in property, we have the right loan for you

Conventional Loans

Flexible terms with as little as 3% down for qualified buyers

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FHA Loans

Government-backed loans with low down payments and flexible credit requirements

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VA Loans

Zero down payment loans for veterans and active-duty military

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USDA Loans

No down payment required for rural and suburban homebuyers

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Jumbo Loans

Financing for luxury homes above conventional loan limits

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HELOC

Flexible credit line secured by your home’s equity

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Real Savings from Real Homeowners

See why 50,000+ homeowners chose 4Homes to find their best rate

$200/mo saved

“4Homes made our first home purchase so much easier. We compared rates from multiple lenders in minutes and saved over $200 a month on our mortgage.”

Sarah & David M.

Austin, TX

$350/mo saved

“I was skeptical about refinancing, but 4Homes connected me with a lender who lowered my rate by a full point. The process was painless and I’m saving $350 every month.”

James L.

Denver, CO

Closed in 30 days

“As a veteran, finding the right VA loan was crucial. 4Homes matched me with a lender who truly understood military benefits. Closed in under 30 days!”

Maria R.

San Diego, CA

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Expert Insights & Guides

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Tips

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