Today's rates

Rate as of February 20, 2026. Rates and terms subject to change.
Purchase rates
Conventional 30-year fixed
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Rate
5.375%
APR
5.478%
Points
0.852%
Conventional 15-year fixed
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Rate
4.750%
APR
4.912%
Points
0.759%
Refinance rates
Conventional 30-year fixed
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Rate
5.375%
APR
5.478%
Points
0.852%
Conventional 15-year fixed
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Rate
4.750%
APR
4.912%
Points
0.759%
Low down payment rates
Conventional 3% down 30yr fixed
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Rate
5.375%
APR
5.889%
Points
0.727%
FHA 3.5% down 30yr fixed rate
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Rate
4.875%
APR
5.671%
Points
0.697%
Cash-out rates
Conventional 30-year fixed
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Rate
5.5%
APR
5.614%
Points
0.961%
FHA rates
FHA 30yr Fixed Rate
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Rate
4.875%
APR
5.667%
Points
0.697%
VA rates
VA rates
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Rate
4.99%
APR
5.249%
Points
0.502%

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