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Today's Mortgage Rates
Products
Conventional
FHA
VA
Jumbo
USDA
Terms
30yr Fixed
15yr Fixed
Conventional 30 YR Fixed
6.500%APR 6.744%1.902 Points
Lowest Rate, Higher Fees
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6.750%APR 6.889%0.829 Points
Low Rate, Normal Fees
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6.990%APR 7.065%0.173 Points
Competitive Rate, Less Fees
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7.125%APR 7.184%-0.510 Points
Lowest Total, Lender Credit
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Conventional 15 YR Fixed
5.625%APR 5.972%1.623 Points
Lowest Rate, Higher Fees
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5.875%APR 6.100%0.845 Points
Low Rate, Normal Fees
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6.125%APR 6.217%0.001 Points
Competitive Rate, Less Fees
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6.375%APR 6.468%-0.446 Points
Lowest Total, Lender Credit
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FHA 30 YR Fixed
6.125%APR 7.119%1.988 Points
Lowest Rate, Higher Fees
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6.500%APR 7.390%0.927 Points
Low Rate, Normal Fees
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6.625%APR 7.451%0.299 Points
Competitive Rate, Less Fees
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7.000%APR 7.800%-0.570 Points
Lowest Total, Lender Credit
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FHA 15 YR Fixed
5.625%APR 6.732%1.930 Points
Lowest Rate, Higher Fees
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6.125%APR 7.046%0.764 Points
Low Rate, Normal Fees
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6.500%APR 7.376%0.466 Points
Competitive Rate, Less Fees
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VA 30 YR Fixed
6.000%APR 6.460%1.928 Points
Lowest Rate, Higher Fees
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6.250%APR 6.608%0.856 Points
Low Rate, Normal Fees
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6.500%APR 6.802%0.249 Points
Competitive Rate, Less Fees
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6.750%APR 7.031%-0.767 Points
Lowest Total, Lender Credit
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VA 15yr Fixed
5.500%APR 6.251%1.889 Points
Lowest Rate, Higher Fees
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6.000%APR 6.572%0.746 Points
Low Rate, Normal Fees
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6.125%APR 6.635%0.361 Points
Competitive Rate, Less Fees
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Jumbo 30 YR Fixed
6.375%APR 6.573%1.803 Points
Lowest Rate, Higher Fees
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6.625%APR 6.734%0.877 Points
Low Rate, Normal Fees
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6.875%APR 6.902%0.035 Points
Competitive Rate, Less Fees
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7.125%APR 7.149%-0.740 Points
Lowest Total, Lender Credit
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Jumbo 15 YR Fixed
6.125%APR 6.449%1.791 Points
Lowest Rate, Higher Fees
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6.490%APR 6.638%0.683 Points
Low Rate, Normal Fees
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6.625%APR 6.711%0.294 Points
Competitive Rate, Less Fees
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6.875%APR 6.914%-0.405 Points
Lowest Total, Lender Credit
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USDA 30 YR Fixed
6.125%APR 6.812%1.606 Points
Lowest Rate, Higher Fees
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6.250%APR 6.851%0.741 Points
Low Rate, Normal Fees
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6.500%APR 7.029%-0.803 Points
Lowest Total, Lender Credit
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Mortgage Rates as of May, 24 2025 | See Rate Assumptions | Rate Terms Explained
Rate Table Assumptions
Conventional Rates shown assume a purchase transaction.
Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than or equal to 96.5%; a minimum FICO score of 740, lock days at 15.
Term
Loan Amount
LTV
Points
30yr Fixed Conv.
$375,000
75.0%
1
15yr Fixed Conv.
$375,000
75.0%
1
30yr Fixed FHA
$289,500
96.5%
1
15yr Fixed FHA
$289,500
96.5%
1
30yr Fixed VA
$300,000
100.0%
1
15yr Fixed VA
$300,000
100.0%
1
30yr Fixed Jumbo
$900,000
75.0%
1
15yr Fixed Jumbo
$900,000
75.0%
1
30yr Fixed USDA
$275,000
100.0%
1
Rates may be higher for loan amounts under $375,000. Please call for details.
Rates are subject to change without notice.
Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
Subject to underwriter approval; not all applicants will be approved.
Fees and charges apply.
Payments do not include taxes and insurance.
Rates based on information gathered from OptimalBlue.
Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA and USDA loans as well as conventional loans where the loan to value is greater than 80%.
Restrictions may apply. Ask for details.
Moreira Team | MortgageRight is an Equal Opportunity Lender
“Rate Over X%” Assumptions
Rates shown assume a refinance transaction.
Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value of 75%; a minimum FICO score of 740; a Loan Term of 360 months; and a loan amount of $375,000 for conforming loans.
Rates may be higher for loan amounts under $275,000. Please call for details.
Rates are subject to change without notice.
Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
Subject to underwriter approval; not all applicants will be approved.
Fees and charges apply.
Payments do not include taxes and insurance.
Rates based on information gathered from OptimalBlue.
Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA and USDA loans as well as conventional loans where the loan to value is greater than 80%.
Restrictions may apply.
Moreira Team | MortgageRight is an Equal Opportunity Lender
Rate Terms Explained
What are Mortgage Points?
Mortgage points, often called discount points, are optional fees that a homebuyer pays at closing in exchange for a reduced interest rate on their mortgage. This process is commonly referred to as "buying down the rate" or a "rate buydown.
What are Lender Credits?
Lender credits are a feature in mortgage financing where the lender agrees to cover some your closing costs in exchange for you accepting a higher interest rate on your loan. This arrangement can make it easier for buyers to afford the upfront costs of purchasing a home.
What is APR?
APR, or annual percentage rate, is a measure of the total yearly cost of borrowing money through a mortgage. Unlike the regular interest rate, which is just the cost of borrowing the principal, the APR incorporates both the interest rate and many of the fees and costs associated with getting your loan.
Rate Feature
Lender Credit
vs
Discount Points
Upfront Costs
Lower (less paid at closing)
Higher (more paid at closing)
Interest Rate
Higher Rate
Lower
Long Term Cost
Higher (more interest paid)
Lower (less interest paid)
Best for...
Short Term Ownership or Cash Strapped
Long Term Ownership or Cash Rich
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6.500%
$12,082
$2,370
6.744%
$2,370
$2,370
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Single FamilyMulti FamilyCondominiumTown HomeManufactured Home(double-wide only)
Have you or your spouse ever served in the military?
NoYes
Is the loan you're refinancing a VA Loan?
NoYes
Will this be first time use?
NoYes
Are you VA funding fee exempt?
NoYes
How would you rate your credit?
Excellent+ (760+)Excellent (740–759)Very Good+ (720–739)Very Good (700–719)Good+ (680-699)Good (660-679)Decent+ (640-659)Decent (620-639)Fair+ (600-619)Fair (599 and below)
What is your property's value?
$70k
$2M+
Continue
What is your remaining mortgage balance?
$70k
$1.5M+
Continue
Would you like to take cash out or borrow additional cash?
NoYes
How much cash would you like to borrow?
$1k
$1M+
Continue
What is your current mortgage interest rate?
0%
12%+
Continue
What is your purchase price?
$70k
$2M+
Continue
What is your down payment?
0%
50%+
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