Every program below runs through the same transparent pricing model. Same baseline assumptions, same daily publish, so the comparison is real — not a sales pitch.
The standard for strong credit. Our sharpest pricing lives here, and PMI drops off automatically at 78% LTV.
Government-backed flexibility for thinner credit files. A precise, well-priced path in — not a consolation prize.
If you served, this is the math to beat: no down payment and no monthly mortgage insurance — a structural pricing edge.
High-balance lending priced like we actually want the business. Only 0.125% above our conventional 30-year sample.
Rate-and-term or cash-out. We'll run the break-even math with you first — if refinancing doesn't pencil, we'll say so.
Conventional pricing plus layered assistance programs. Our analysts stack every credit you qualify for — automatically.
The APR folds points and standard lender fees into the rate. It's the honest number — which is why we print both, side by side, for every program.
| Program | Rate | APR | APR spread | Points |
|---|---|---|---|---|
| 30-yr fixed | 6.375% | 6.512% | +0.137% | 0.8 |
| 15-yr fixed | 5.625% | 5.798% | +0.173% | 0.7 |
| FHA 30-yr | 6.125% | 6.401% | +0.276% | 0.9 |
| VA 30-yr | 5.990% | 6.210% | +0.220% | 0.5 |
| Jumbo 30-yr | 6.500% | 6.588% | +0.088% | 1.0 |
Apply in about 8 minutes and a licensed loan officer will price you across every program you qualify for — side by side.