TODAY'S MORTGAGE RATES
Compare Real-Time Rates Across 236+ Top Lenders Nationwide.
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236+ Lenders
Real-time direct pricing
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Conventional Loans
Rates Updated: Aug 28, 2026 - 05:25 PM
Competitive rates for primary, second home, and investment properties.
| Loan Program | Rate | APR | Monthly Payment |
|---|---|---|---|
| Primary$375K loan · $500K home · 30-Yr Fixed · Purchase · 759+ FICO · ZIP 95111 | 6.375% | 6.389% | $2,340 |
| Second Home$375K loan · $500K home · 30-Yr Fixed · Purchase · 759+ FICO · ZIP 95111 | 6.500% | 6.590% | $2,370 |
| Investment$375K loan · $500K home · 30-Yr Fixed · Purchase · 759+ FICO · ZIP 95111 | 6.500% | 6.590% | $2,370 |
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FHA Loans
Rates Updated: Aug 28, 2026 - 05:25 PM
Government-insured loans with flexible down payment options.
| Loan Program | Rate | APR | Monthly Payment |
|---|---|---|---|
| FHA$375K loan · $500K home · 30-Yr Fixed · Purchase · 759+ FICO · ZIP 95111 | 5.875% | 6.444% | $2,218 |
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VA Loans
Rates Updated: Aug 28, 2026 - 05:25 PM
Exclusive home loan benefits for eligible veterans, active duty, and surviving spouses.
| Loan Program | Rate | APR | Monthly Payment |
|---|---|---|---|
| VA$375K loan · $500K home · 30-Yr Fixed · Purchase · 759+ FICO · ZIP 95111 | 5.990% | 6.111% | $2,246 |
Rates shown are for informational purposes only and may not be available for all borrowers. Actual rates may vary based on credit score, property type, loan amount, and other factors.
Loan Program Annotations & Eligibility Guide
| Program | Current Best For | Best For Review | Recommended Key Requirements |
|---|---|---|---|
Conventional Loans | Borrowers with good credit and stable income purchasing primary residences, second homes, or investment properties. | Generally good. Consider broadening slightly to include eligible borrowers using low-down-payment conventional programs. | As low as 3% down for eligible borrowers; credit score and underwriting requirements vary by program/AUS. PMI generally applies when LTV is above 80%. Fannie/ Freddie no longer requires min FICO 620 |
FHA Loans | First-time buyers, borrowers with lower credit scores, or those recovering from past credit/financial setbacks. | Good. | 3.5% down with FICO 580+; 10% down may be available for FICO 500–579. Upfront and annual mortgage insurance apply. Primary residence only for purchase. Refinance FHA streamline could be investment/2nd home. |
VA Loans | Active-duty service members, U.S. military veterans, National Guard/Reserve members, and eligible surviving spouses. | Good. | VA IRRRL can do primary/ investment/ 2ndhome |
USDA LoansCheck USDA Property Eligibility Map→ | Low-to-moderate-income buyers purchasing homes in eligible rural or suburban geographical regions. | Good. | 0% down may be available. Property must be in an eligible USDA area and household income must meet USDA limits. Primary residence required. Credit requirements vary by lender/GUS. The lowest FICO we have is 550 and NOCC is not allowed |
Jumbo LoansView Jumbo Mortgage Rates & Limits→ | Buyers in high-cost real estate markets or those purchasing high-value luxury homes. | Good. | Loan amount exceeds the applicable conforming loan limit. Typical requirements may include higher credit scores, larger down payments, lower DTI, and additional reserves; exact requirements vary by lender and loan amount. DTI could be up to 50% |
HELOC (Home Equity Line of Credit) | Homeowners needing flexible cash for home upgrades, debt consolidation, tuition, or emergency reserves. | Good. | Min FICO 600 with CLTV 70% and Max CLTV 95% with FICO 640 |
No Doc Loans | Homeowners or investors with complex finances who cannot qualify under traditional tax return guidelines. | Mostly good, but 'homeowners' may be too narrow depending on the product. | Min FICO 620 and 0x30 over the past 12 months for mortgage history. 6-9 months reserves depending on credit score and LTV. |
Investor (DSCR) Loans | Real estate investors purchasing or refinancing rental properties, including long-term and short-term rentals where permitted. | Good. | It could be DSCR <1 or No Ratio (these program generally cap leverage at 65% to 75% LTV and require min FICO score. Min FICO 620. Need 3 tradelines in last 12m or 2 tradelines in last 24m. LTV from 80-85% for purchase and 75% for cash out |
12-Month Bank Statement Loans | Self-employed business owners, freelancers, 1099 contractors, and entrepreneurs with significant tax write-offs. | Good. | 1 year history must be in exception |
Profit & Loss (P&L) Loans | Business owners with strong business revenue whose tax filings reflect substantial deductions. | Good, though 'net revenue' in the source may be clearer as business income/revenue. | Min FICO 600. Min history at least 1 year. PnL statement period covering full calender year and YTD. It could be prepared by CPA, EA or CTEC or borrowers. In addition to the P&L, you must provide a letter from the tax preparer confirming the business's name, start date, active standing with the state, the borrower's ownership percentage, and that they have reviewed or prepared the borrower's two most |
1099 Mortgage Loans | 1099 contractors, freelancers, and gig economy workers with 1–2 years of 1099 earnings history. | Good. | Min Fico 640. one of the following supporting documents to verify that the contractor's income is current and ongoing: WVOE (Form 1005) — the most common option. The borrower's most recent paycheck. A Year-to-Date (YTD) bank statement. A YTD paystub. 3 to 12 months of bank statements showing the 1099 deposits |
WVOE Loans (Written Verification of Employment) | W-2 salaried or hourly employees who prefer a simplified income-documentation process. | Good with a small wording change: avoid promising no pay stubs/tax returns in all cases. | Min FICO 620 and not employed by family |
Foreign National Loans | International real estate investors and foreign buyers seeking U.S. property investments. | Good. | Strictly to 2nd or investment property only Typically capped at 75% LTV. 3-6 months reserves |
Asset Depletion / Asset Utilization Loans | Retirees, high-net-worth individuals, and investors with substantial liquid wealth but low taxable income. | Good. | Asset Seasoning: The standard seasoning timeframe for assets is 6 months, though some lenders allow a shorter seasoning window of 2 months or require up to 12 months |