30-Year Fixed Mortgage Rate
At this rate, a $400K home costs $1,976/mo
Real rates from actual mortgage lender locks. Updated daily via Federal Reserve data. Make informed decisions about your biggest financial commitment.
Compare Options
All Available Rates
Find the right loan type for your situation. Rates reflect actual lender locks from Optimal Blue.
Most popular. Stable payment over 30 years.
Build equity faster. Lower total interest.
Low down payment (3.5%). First-time buyers.
Veterans & service members. No PMI.
Loans above $766,550 limit.
Your Journey
Three Steps to Confident Home Buying
Whether you're just exploring or ready to buy, we have tools to help at every stage.
Decide If You're Ready
Evaluate your financial readiness with our comprehensive guide. Understand what lenders look for and whether 2025 market conditions work for you.
Read the Guide 02Check Your Qualifications
Calculate your debt-to-income ratio to see if you qualify. Compare your DTI against Conventional, FHA, VA, and Jumbo loan requirements.
DTI Calculator 03Calculate Your Payment
See exactly what you'll pay monthly with full PITI breakdown. Test rate sensitivity and discover how extra payments can save you thousands.
Mortgage CalculatorFree Tools
Mortgage Calculators & Analysis Tools
Professional-grade calculators to help you make confident financial decisions.
Mortgage Calculator
Full PITI breakdown with rate sensitivity analysis and amortization schedule.
NewAffordability Calculator
How much house can you afford based on your income and debts?
NewLoan Comparison
Compare Conventional, FHA, and VA loans side-by-side.
DTI Calculator
Check your debt-to-income ratio against loan requirements.
Rent vs Buy
Should you rent or buy? Compare total costs over time.
Refinance Calculator
Calculate your break-even point and total savings.
NewHome Equity Calculator
How much tappable equity do you have?
NewClosing Costs Calculator
Estimate buyer or seller closing costs.
30-Year Fixed Rate Trend
Last 60 business days
Learn More
Make Informed Decisions
Expert guides to help you navigate the home buying process with confidence.
Should You Buy a Home in 2025?
A complete decision framework combining economic analysis, personal finance readiness checks, and actionable steps. Find out if now is truly the right time for you.
Read the Complete GuideUnderstanding Rate Sensitivity
How much would a 1% rate increase affect your budget? Learn to stress-test your finances and build a proper safety buffer.
Learn About Rate Risk
Ready to See What You Can Afford?
Our mortgage calculator shows your complete PITI payment, tests rate sensitivity, and reveals how extra payments can save you thousands.