Purchase rates
Live
30-year fixed
1.625 points ($9,141)
- Interest rate
- 6.375%
- APR
- 6.558%
5-year ARM
1.806 points ($10,159)
- Initial interest rate
- 5.750%
- APR
- 6.398%
Rate may increase after 5 years.
A mortgage should feel fair, simple, and affordable.
- NMLS #1974341
- Licensed in CA, CO, FL, GA, TX, VA
- Equal Housing Opportunity
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Start with the path that fits your plans. We compare programs across our lender network and bring the strongest options back to you.
Why LoanTree
See the whole loan before you choose it.
The note rate is only one part of the decision. We keep lender choice, upfront cost, and monthly payment in the same view.
- One scenario, multiple lenders
- We compare available programs instead of treating one lender's menu as the whole market.
- The full cost in view
- Rate, APR, points, fees, and payment stay together so a low headline cannot hide an expensive tradeoff.
- Competitive rates
- We bring back pricing that stands up against what you are quoted elsewhere.
A shorter path from question to closing.
Start with useful numbers, learn the tradeoffs, and provide the full file only after you decide to continue.
Compare
Share a few scenario details to see indicative pricing without an SSN, document upload, or credit authorization.
Choose
Review the rate, APR, payment, and upfront cost together, then decide whether the option fits.
Complete
Continue into the application when you are ready.
Understand the decision before you make it.
Short guides explain the tradeoffs behind rates, terms, payments, and refinancing without requiring an application.
How mortgage rates work
Separate the market, your scenario, and the price choices inside each offer.
30-year versus 15-year mortgage
Compare required payment, total interest, flexibility, and the time you expect to keep the loan.
How refinancing can save money
Measure the benefit after closing costs, not just the change in rate or payment.
Should I refinance right now?
Use your current loan, the new offer, closing costs, and your likely time horizon.
Start with your real scenario.
Return to the calculator for an indicative comparison, or talk with an advisor before sharing anything else.