Sample pricing — not an offer or commitment to lend. Rates, APRs, and points shown are examples, updated regularly, and subject to change without notice. They are not a quote or rate lock, and not all applicants will be eligible. Your actual rate depends on your credit, loan amount, loan-to-value, occupancy, property type, and program. Rates shown are principal & interest only and do not include property taxes, homeowner's insurance, HOA dues, or mortgage insurance (MI). APR reflects the estimated total cost of credit including points and fees for the stated assumptions. Available in FL, TX, and NJ; terms vary by state.

Representative example

A Conventional 30-Year Fixed representative example displays here with current pricing.

Adjustable-rate mortgages (ARMs): the rate shown is the initial rate, fixed for the introductory period; after that the rate and payment adjust periodically based on an index (SOFR) plus a margin, subject to periodic and lifetime caps, and can increase. The fully-indexed APR may exceed the initial rate. Request the full ARM program disclosure before applying.

Sample Market Pricing

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Example rates shown are not a quote. Assumes: owner-occupied SFR, 740+ FICO, ≤75% LTV, $350K loan amount, 30-yr fixed, FL.

Purchase

ProgramRateAPRPoints

Refinance

ProgramRateAPRPoints

Cash-out refinance rates are typically 0.125% – 0.50% higher.

Rate Environment Context that shapes pricing — not your rate
Fed funds target —
Odds of no change — —
10-Yr Treasury —
30-Yr Conforming vs 10-Yr Spread — Optimal Blue 30-Yr Conforming minus 10-Yr Treasury
1-Yr Treasury (CMT) —
30-Day Average SOFR —

These move on different clocks. The Fed sets the short-term target above — that is what the odds refer to. Long-term mortgage pricing tracks the 10-year Treasury plus a spread that lenders widen or narrow on their own. A Fed decision and a mortgage rate can move in opposite directions on the same day, which is why a cut does not automatically mean a lower mortgage rate.

See the full yield-curve analysis →

Market Rate Benchmarks

Published third-party survey averages — not quotes, and not our pricing. Survey averages do not carry an APR because they do not reflect an individual borrower's fees.

Optimal Blue —

ProgramRate

Mortgage News Daily —

ProgramRate

Specialty & Program Rates

Program rates are starting points that vary by scenario, income limits, and property location. Eligibility is determined by the program administrator.

Florida Housing Bond Programs —

ProgramTypeRate

Texas State Affordable Housing Corp. (TSAHC) — Down Payment Assistance Texas only —

ProductIncome bandAssistanceRate

Non-QM & DSCR —

ProductBest ratePar rateFICOLTV