See real mortgage rates before you apply.
Most lenders make you fill out an application before they show you numbers. We show you rates first — with the math behind them.
| Product | Rate | APR |
|---|---|---|
30-Yr Fixed Conforming | 5.990% | 5.99% |
15-Yr Fixed Conforming | 5.125% | 5.13% |
FHA 30-Yr Government | 5.490% | 5.49% |
VA 30-Yr Military | 5.500% | 5.50% |
+ points, lender credits, and monthly payment for each
780+ FICO · $400K · Purchase · Apr 21, 2026
Rates & Market Data — Updated Daily
Track mortgage rates, Treasury yields, and economic events that move the market. Real data from Freddie Mac and the Fed — not estimates.
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Tools & Calculators
Real math, no guesswork.Rate Tool
Live mortgage rates across 11 lenders. See rate, points, payment, and lender credits side by side.
Search Rates →Refinance Calculator
Four ways to structure a refinance — powered by today's wholesale rates. See real cash flow, not just monthly savings.
Calculate →Purchase Calculator
Estimate your monthly payment, cash to close, and how much home you can afford.
Calculate →Refi Recoup Analyzer
Is refinancing worth it? Enter your current loan and we'll show the break-even timeline and total savings.
Analyze →Cost of Waiting
What does it cost you every month you don't refinance? See the real number with your loan details.
See the Cost →DSCR Calculator
Investment property? Enter rental income and expenses to see if your deal qualifies for a DSCR loan.
Calculate →Reverse Mortgage Calculator
See how much equity you could access with a reverse mortgage. Age, home value, and rate — that's all we need.
Estimate →Tap Equity: 2nd Lien vs. Cash-Out
Need cash from your equity? Compare opening a new 2nd lien vs. cash-out refi — see if you can keep your low first mortgage rate.
Compare →Rate Alerts
Save a rate scenario and get periodic updates when rates change — reviewed by your loan officer before every email.
Set Up Alerts →Licensed. Independent. Direct.
A+ Rated · Accredited Since 2013Not Sure Which Rate? Let Us Help.
Tell us about your situation and we'll send you a personalized recommendation with full fee breakdown, cash to close, and savings analysis.