A home. A fresh start. A little more breathing room. Understand your options and find the financial products that move you forward.
A percentage point can change a monthly payment. Start with an estimate, then explore the costs and tradeoffs behind it.
Explore your target rateIllustrative rates, not lender offers. Assumes two new 30-year fixed loans. Excludes closing costs, taxes, insurance, and mortgage insurance.
Real products. Visible sources. Terms worth checking.
These are listings of real products. Advertiser links, referral links and sponsored placements are labeled; RatesMatter may earn a commission from advertiser links and a bonus or other compensation from referral links. Editorial listings have no advertiser or referral relationship. Compensation does not determine the default alphabetical order or published-rate sorting. This is a limited selection, not the whole market or a personalized recommendation. Terms can change; verify them with the provider.
Published lender examples use different locations, points and borrower assumptions. These are not matched quotes. Ask for Loan Estimates using the same scenario. APR means annual percentage rate and includes certain finance charges; points are not total closing costs. Sorting by a published figure is not a ranking of eligibility or overall value. Unverified rates appear last.
The last checked terms have expired. Read the provider’s current rates and fees before comparing or applying.
What to weighA quote is needed before comparing the price with another lender.
Checked 2026-10-21 · Provider date: 2026-10-21 10:00 ET
Provider source & full terms
The last checked terms have expired. Read the provider’s current rates and fees before comparing or applying.
What to weighCompare lender quotes using the same location, balance, term, down payment and lock period.
Checked 2026-10-21 · Provider date: 2026-10-21 09:31 ET
Provider source & full terms
The last checked terms have expired. Read the provider’s current rates and fees before comparing or applying.
What to weighCompare the same loan scenario and all closing costs with each lender.
Checked 2026-10-21 · Provider date: 2026-10-21 13:33 UTC
Provider source & full terms
We select recognizable providers whose public product pages we can inspect. This limited set does not cover every provider. Default order is alphabetical and compensation does not determine it. Inclusion does not imply that a provider reviewed this page or endorsed RatesMatter.
Dates record an actual source check, not a live feed. Numeric snapshots expire after a short review window; expired terms are hidden until rechecked. An unavailable figure means we could not verify it, not that the product is unavailable.
Commercial relationships carry a Sponsored Listing or Paid Placement label on the listing card and in its details. Sponsored Listings link to advertisers, from which RatesMatter may earn a commission, or to a provider’s referral program, from which RatesMatter may receive a bonus or other compensation; Paid Placement labels identify placements a provider paid for. Editorial listings have no advertiser or referral relationship. Compensation does not change alphabetical or published-rate sorting. How we select and verify listings.
A lower rate is a starting point. A better decision considers the whole picture.
Look past the headline rate. Understand your break-even point, closing costs, and how long you plan to stay.
Explore refinancingSee how long monthly savings could take to cover upfront costs.
Calculate your break-even
