Today's mortgage rates
Current Mortgage Rates
Rates updated daily based on market conditions. Scenarios shown reflect real purchase transactions — see assumptions below each table.
Conventional Conforming
Based on a $1,000,000 purchase price, 20% down, base loan amount $800,000, 760 FICO, primary residence, single-family home, 80% LTV.
FHA Loans
Based on a $832,750 purchase price, 3.5% down, base loan amount $803,603, 680 FICO, primary residence, single-family home, 96.5% LTV. APR includes FHA upfront MIP of 1.75% financed into loan and annual MIP of 0.55%.
VA Loans
Based on a $832,750 purchase price, $0 down, base loan amount $832,750, 680 FICO, primary residence, single-family home, 100% LTV. APR includes VA funding fee of 2.15% financed into loan (first-time use, no down payment).
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Important Rate Disclosures
Rates and APRs shown are for informational purposes only, are subject to change at any time without notice, and are not guaranteed. Actual rate and APR will vary based on loan amount, property type, occupancy, credit profile, loan-to-value ratio, and other underwriting factors.
Conventional APRs are calculated on an $800,000 loan amount, 30-year, 20-year, and 15-year terms respectively, and include estimated lender fees of $2,400. FHA APR is calculated on a base loan amount of $803,603, includes the FHA upfront mortgage insurance premium (UFMIP) of 1.75% ($14,063) financed into the loan and annual MIP of 0.55%, plus estimated lender fees of $2,400. VA APR is calculated on a base loan amount of $832,750, includes the VA funding fee of 2.15% ($17,904) financed into the loan for first-time use with no down payment, plus estimated lender fees of $2,400. APR disclosures are provided pursuant to the Truth in Lending Act (TILA) and Regulation Z.
Points shown represent discount points paid at closing to obtain the stated interest rate. One point equals 1% of the loan amount. Paying points lowers your interest rate and monthly payment but increases your upfront closing costs.
FHA loans require mortgage insurance premiums (MIP) for the life of the loan when the down payment is less than 10%. VA loans require a funding fee that varies based on down payment, service type, and whether it is a first or subsequent use. Neither MIP nor the VA funding fee is included in the stated interest rate but is reflected in the APR.
Brooks Mortgage, Inc. is licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Finance Law (CFL). Company NMLS ID #1608346. Isaac Brooks, Mortgage Loan Originator, NMLS ID #485765. This is not a commitment to lend. All loans subject to credit approval, underwriting guidelines, and property eligibility. Equal Housing Opportunity.