Sample rate board, updated Friday, Sep 12, 2026
Every rate,
with the fine print.
30-year fixed 6.250%, APR 6.382%
15-year fixed 5.625%, APR 5.811%
Updated weekly
Rate, APR and points side by side, plus the monthly principal and interest for every $100,000 you borrow, so a 15-year and a 30-year can be compared honestly.
30-year fixed
6.250%
6.382%
0.500
$615.72
15-year fixed
5.625%
5.811%
0.500
$823.73
5/6 ARM
5.875%
6.412%
0.250
$591.54
FHA 30-year
5.990%
6.842%
0.375
$598.91
VA 30-year
5.750%
5.968%
0.250
$583.57
Jumbo 30-year
6.500%
6.574%
0.250
$632.07
20%
down payment
$600,000
loan amount
45 days
lock on a primary home
Sample rates for illustration, updated weekly, not a commitment to lend. APR includes estimated lender fees and prepaid interest. Payments show principal and interest only; taxes, insurance and mortgage insurance are extra. A written Loan Estimate is the only binding quote.
Two borrowers can call on the same morning and hear different rates. These are the reasons, in the order they usually matter.
Credit score
Down payment
Loan type
Points
The market
Lock period
One point,
one example.
A point costs 1% of the loan amount at closing and lowers your rate for the life of the loan. Whether it pays off depends on how long you keep the loan, so we show the break-even month next to every quote.
$600,000, 30-year fixed
No points
One point
Rate
6.250%
6.000%
Paid at closing
$0
$6,000
Principal and interest
$3,694
$3,597
Saved each month
None
$97
Break-even
62 months
Sample figures for illustration, not a commitment to lend. Break-even ignores taxes and the time value of money.
After an accepted offer
Most buyers lock once the purchase contract is signed, so the rate holds through underwriting and the appraisal.
45 days is standard
Our sample rates assume a 45-day lock. Jumbo and bank-statement files often need 60 days, which costs slightly more.
Extensions and float-downs
If closing slips, most lenders extend a lock for a fee. A few offer a one-time float-down if rates fall; we tell you which before you choose.
Sample rates are a starting point. A short call and your permission for a credit check turn them into a written, lockable quote.
No hard credit pull to start. Pre-approval is not a commitment to lend; all loans are subject to credit, income and property approval. Harborline Mortgage is a demo brokerage, NMLS # 000000 (demo). Equal Housing Opportunity.