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Today's Mortgage Rates
Rates as of Jun 26, 2026
Your Scenario
Configure your loan details to see real-time rates.
Set your scenario, then hit Get My Rates. They update live as you adjust.
- Live rates across multiple lenders
- Monthly payment for every rate
- Points & lender credits, side by side
- Save & get alerts when rates move
The Rate vs. Cost Tradeoff
Every rate comes with a price. Rates above par come with a lender credit — the lender gives you money to offset closing costs. Rates below par require discount points — you pay upfront to buy the lower rate.
Higher Rate = Lender Credit
Less cash to close. Good if you plan to refinance again in a few years, or want to minimize upfront costs.
Lower Rate = Discount Points
More cash upfront, but lower monthly payment. Good if you're staying long-term. Check the recoup period to see when the savings outweigh the cost.
The "par" rate is where the credit and charge are roughly zero — no cost and no credit. This is your baseline for comparison.
Not 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.
Rates shown are approximate based on today's pricing and standard loan-level adjustments. Actual rates depend on full credit review, property appraisal, and underwriting. Not a commitment to lend. NetRate Mortgage | NMLS 641790 | 1111861 | 357 South McCaslin Blvd., #200, Louisville, CO 80027
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