30-yr fixed6.75%+0.0315-yr fixed6.05%+0.00FHA 30-yr6.55%+0.08VA 30-yr6.38%+0.08Jumbo 30-yr6.82%+0.11Updated September 1, 2026
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The rate in the news is an average. Yours depends on your credit score, your down payment and your loan size. See real offers, in plain English.

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Your likely rate range
6.1% to 6.6%
Range around the national average of real locked rates for your credit and down payment band (Optimal Blue via FRED, 30-day average through September 1, 2026). Not an offer.

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The number nobody shows you

What each loan really costs you

Same house. Five offers. The difference in real dollars. Scenario: $400,000 home, 20% down, $320,000 30-year fixed, 740 credit score.

$0k$100k$200k$300k$400kLender A, 5 years: $102kLender B, 5 years: $105kLender C, 5 years: $106kLender D, 5 years: $109kLender E, 5 years: $111k5 yearsLender A, 10 years: $193kLender B, 10 years: $198kLender C, 10 years: $201kLender D, 10 years: $206kLender E, 10 years: $210k10 yearsLender A, 15 years: $274kLender B, 15 years: $280kLender C, 15 years: $285kLender D, 15 years: $292kLender E, 15 years: $298k15 yearsLender A, 30 years: $402k$402kLender B, 30 years: $412k$412kLender C, 30 years: $421k$421kLender D, 30 years: $431k$431kLender E, 30 years: $441k$441k30 years
  • Lender A
  • Lender B
  • Lender C
  • Lender D
  • Lender E
Cheapest vs most expensive
$39,129 over 30 years
Only $106 a month apart.
LenderRateAPRPointsMonthly30-yr cost
Lender A6.375%6.473%0.625$1,996$401,948View offer
Lender B6.500%6.618%0.750$2,023$412,037View offer
Lender C6.625%6.726%0.625$2,049$420,933View offer
Lender D6.750%6.879%0.875$2,076$431,380View offer
Lender E6.875%7.008%0.875$2,102$441,077View offer

Cost = interest + points + fees paid to date. Principal excluded. Monthly is principal and interest only. All loans 30-year fixed terms. Illustrative offers, updated September 1, 2026. Rates reflect a 30-day lock. Not all borrowers will qualify. Loans are subject to credit approval. How offers are ranked

Why the rate in the news is not your rate

The same lender gives different people different rates. Here is what moves yours.

Average 30-year rate by credit score, last 30 days

6.80%
<680
6.76%
680-699
6.70%
700-719
6.68%
720-739
6.60%
740+

Conforming 30-year fixed, down payment of 20% or more. Source: Optimal Blue Mortgage Market Indices via FRED, 30-day average through September 1, 2026. Averages of real locked rates, not an offer.

Credit score

The biggest lever. Higher scores unlock lower rates.

Down payment

More down means less risk for the lender, and a lower rate for you.

Loan size

Jumbo loans and very small loans both cost more.

When you actually learn your real rate

  1. Day 1
    Quote

    An estimate based on what you tell them.

  2. Day 3
    Loan Estimate

    The first official numbers, in writing.

  3. Day 20
    Rate lock

    Your rate stops moving.

  4. Day 30
    Closing Disclosure

    The final number. Three days before you sign.

We show you what to expect at every step.

Learn in 60 seconds

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Rate vs APR

The real difference and why it changes your total cost.

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Why brokers show the number last

What happens on day 1, day 3, day 20 and day 30.

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What points really buy you

When paying points saves money, and when it does not.

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How much house can I afford

A five-minute answer without a lender on the phone.

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