We publish our rates. Every day. Ask your bank to do that. PrimeRate borrowers saved an average of 0.31% against their next-best quote last year.
Most lenders hide their pricing behind a phone call. We put ours on the homepage. Every rate below reflects a 740+ FICO, 20% down, owner-occupied purchase — the same baseline, every day, so you can actually compare.
| Program | Rate | APR | Points |
|---|---|---|---|
| 30-yr fixed | 6.375% | 6.512% | 0.8 |
| 15-yr fixed | 5.625% | 5.798% | 0.7 |
| FHA 30-yr | 6.125% | 6.401% | 0.9 |
| VA 30-yr | 5.990% | 6.210% | 0.5 |
| Jumbo 30-yr | 6.500% | 6.588% | 1.0 |
Six programs, one pricing engine, zero branch overhead baked into your rate.
The workhorse. Strong credit gets rewarded with our sharpest pricing and fastest underwrites.
See conventional →Flexible credit requirements and 3.5% down. A precise path in, not a compromise.
See FHA →No down payment, no monthly mortgage insurance. If you served, this is the math to beat.
See VA →High-balance lending without high-balance attitude. Competitive pricing to $3M and beyond.
See jumbo →The average PrimeRate purchase loan closes in 21 days. Here's the whole process.
Apply online in about 8 minutes. See your actual rate — not a teaser — and lock it for 45 days at no cost.
We underwrite your file up front, not at the finish line. Your approval means something to sellers and agents.
Clear-to-close on time, with a final number that matches your estimate. 98.6% of our loans close on the contract date.
"I brought them a quote from my credit union. They beat it by 0.375% and showed me the pricing sheet to prove it. Nobody does that."
"Locked on a Tuesday, cleared to close in 16 days. Every number on my closing disclosure matched the estimate to the dollar."
"First-time buyer, expected to be talked down to. Instead I got a rate table, a clear plan, and a payment $214 lower than my other quote."
Run the numbers yourself with our calculator, or apply and get a real rate from a licensed loan officer.