This week (Freddie Mac PMMS, September 3, 2026): 30-yr 6.71% 15-yr 6.04%Updated weekly on ThursdaysPrimary Mortgage Market Survey® data provided by Freddie Mac
lowest.mortgageCompare today's mortgage rates
Your cost

Same house.
Five loans.
$39,129 apart.

Pick the cheaper one. We show what each loan really costs you after 5, 10, 15 and 30 years.

$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

Lender A costs $39,129 less than Lender E over 30 years.

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Why the lower payment is not the cheaper loan90 seconds · Video coming

lowest.mortgage is not a lender. We compare offers from partner lenders and may earn a fee when you connect. Offers are sorted lowest APR first, never by who pays us. How we make money

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One more quote can save you $1,500 or more.

Most people ask one lender. Ask two and the price drops.

How to ask

The rate in the news is not your rate.

Yours depends on your credit, your down payment and your loan.

What your profile costs

Price adjustment for your profile: 0.875% = $2,800

This week's average 30-year rate: 6.71% (Freddie Mac)

Sources

Price adjustment: Freddie Mac Exhibit 19, effective 07/01/2026. Lenders pass this cost on as a higher rate, points, or both.

Average rate: Freddie Mac PMMS, week of September 3, 2026. An average, not your rate. Primary Mortgage Market Survey® data provided by Freddie Mac

Two people asking the same lender on the same day get different prices. This is the public sheet that sets part of the difference.

How it really goes.

Four moments, from the first quote to the number you actually sign.

  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.

    This is when they finally show you the real number. We show it on Day 1.

Where are you right now?

I am buyingI am refinancingI got a document I do not understand

Real offers, sorted by APR. Never by who pays us.

Same scenario as the chart above: $400,000 home, 20% down, 740 credit score.

Lender A
6.375% rate
6.473% APR
Costs you $401,948 over 30 years
View offer
Lender B
6.500% rate
6.618% APR
Costs you $412,037 over 30 years
View offer
Lender C
6.625% rate
6.726% APR
Costs you $420,933 over 30 years
View offer

Illustrative offers, updated September 3, 2026. Not all borrowers will qualify. Loans are subject to credit approval. See all five offers · How offers are ranked

Learn in 90 seconds

▶

Rate vs APR

The real difference and why it changes your total cost.

Video coming

▶

Why brokers show the number last

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

Video coming

▶

What points really buy you

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

Video coming

▶

How much house can I afford

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

Video coming

Everything else

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