Purchase benefits

Purchase Offers Worth Checking

Eligible buyers may qualify for payment relief, appraisal credits, or buyer assistance.

1-year payment saver

Eligible buyers may qualify for a temporary first-year payment reduction.

Subject to eligibility and loan approval.

Up to $600 appraisal credit

Eligible purchase borrowers may receive an appraisal credit up to $600.

Subject to eligibility and loan approval.

$2,500 buyer assistance

Eligible first-time buyers may qualify for up to $2,500 in assistance on select loan options.

Subject to eligibility and loan approval.

$500 credit

Some eligible loans may qualify for an additional $500 credit.

Subject to eligibility and loan approval.

Published Sample Mortgage Rates

Use these sample rates as a general reference, then request a personalized quote for your property and borrower profile.

30-Year Fixed

Popular
6.125%

6.276% APR

Sample rate · 30-year term

20-Year Fixed

6.125%

6.306% APR

Sample rate · 20-year term

15-Year Fixed

5.625%

5.846% APR

Sample rate · 15-year term

10-Year Fixed

5.625%

5.942% APR

Sample rate · 10-year term

High-Balance 30-Year

Higher loan amounts
6.125%

6.285% APR

Sample rate · 30-year term

FHA 30-Year

Low down payment
5.875%

6.642% APR

Sample rate · 30-year term

FHA 15-Year

5.875%

6.717% APR

Sample rate · 15-year term

VA 30-Year

Eligible veterans
5.750%

6.036% APR

Sample rate · 30-year term

VA 15-Year

5.750%

6.138% APR

Sample rate · 15-year term

Sample assumptions
  • Strong-credit sample borrower profile
  • Primary residence scenario
  • California owner-occupied examples
  • Sample APR shown for the same example profile

Specialty-program disclaimer

The scenarios shown are illustrative program structures for non-owner-occupied investment property — not quotes, loan estimates, rate locks, or commitments, and not a guarantee that any borrower or property will qualify. Specialty-program pricing is highly deal-specific: your actual terms depend on the debt service coverage ratio, loan-to-value, credit profile, property type and condition, occupancy, state, documentation path, reserves, prepayment structure, and current market conditions. Investment-property programs generally price above comparable owner-occupied financing, and some carry prepayment terms. Figures are examples for illustration only; nothing here should be relied on as an offer of credit. Request a scenario review to see structure and terms for your specific property.

Reference-rate disclosures

  • Rates shown are examples only and are not a loan estimate, rate lock, commitment to lend, or approval.
  • Actual rate, APR, payment, and costs may vary based on credit profile, loan amount, property type, occupancy, location, loan program, down payment, and other factors.
  • Rates are subject to change without notice.
  • APR values shown are sample estimates for the stated example profile and may be higher or lower depending on loan terms and fees.
  • Temporary payment reduction options lower payments for a limited period only; the note rate does not permanently decrease.
  • Credits and offers are subject to eligibility, availability, program rules, and loan approval.