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Monthly payment examples use a $562,500 loan ($1.1 million for Jumbo) for properties in California. Taxes and insurance are not included. Your actual payment will be higher or lower than what's currently shown.

30-year fixed

Rate
6.375%
APR
6.558%
Monthly payment
$3,509
Points
1.625 ($9,141)

30-year FHA

Rate
6.125%
APR
6.864%
Monthly payment
$3,478
Points
1.937 ($11,086)

30-year VA

Rate
6.250%
APR
6.510%
Monthly payment
$3,507
Points
1.244 ($7,085)

30-year jumbo fixed

Rate
6.625%
APR
6.810%
Monthly payment
$7,043
Points
1.75 ($19,250)

15-year fixed

Rate
5.875%
APR
6.190%
Monthly payment
$4,709
Points
1.775 ($9,984)

5-year ARM

Rate
5.750%
APR
6.398%
Monthly payment
$3,283
Points
1.806 ($10,159)

Rates are current as of .

The 30-year market average

Latest weekly average

7.03%

As of

0.08% higher than last week

Past 12 months

Weekly national observations, newest at right.

5.75%6.25%6.75%7.25%Oct 25Apr 26Sep 26
Weekly observations for the 30-year fixed-rate mortgage average in the United States.

Source: Freddie Mac PMMS via FRED. The PMMS benchmark covers conventional, conforming purchase applications for owner-occupied, 1-unit homes. It is market context, not a LoanTree quote. View the official FRED series.

Read the whole offer.

Compare the same scenario on the same day, then review these five numbers together.

Interest rate
The percentage used to calculate interest on the loan.
APR
A broader annual cost measure that includes certain fees.
Points or credits
Upfront cost or lender credit that changes the tradeoff.
Monthly payment
Confirm what is included beyond principal and interest.
Cash to close
The estimated amount needed at closing.

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