CINXE.COM

<!doctype html> <html class="no-js" lang="en"> <head> <meta charset="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"> <meta name="viewport" content="width=device-width,initial-scale=1"> <script type="text/javascript"> ;window.NREUM||(NREUM={});NREUM.init={distributed_tracing:{enabled:true},privacy:{cookies_enabled:true},ajax:{deny_list:["bam.nr-data.net"]}}; ;NREUM.loader_config={accountID:"1725332",trustKey:"78034",agentID:"1815985012",licenseKey:"NRBR-b3e38650ca84c1eb454",applicationID:"1790023492"}; ;NREUM.info={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net",licenseKey:"NRBR-b3e38650ca84c1eb454",applicationID:"1790023492",sa:1}; ;/*! For license information please see nr-loader-spa-1.260.0.min.js.LICENSE.txt */ (()=>{var e,t,r={234:(e,t,r)=>{"use strict";r.d(t,{P_:()=>m,Mt:()=>b,C5:()=>s,DL:()=>w,OP:()=>O,lF:()=>D,Yu:()=>_,Dg:()=>v,CX:()=>c,GE:()=>E,sU:()=>I});var n=r(8632),i=r(9567);const o={beacon:n.ce.beacon,errorBeacon:n.ce.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function c(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.D)(t,o);const r=(0,n.ek)(e);r&&(r.info=a[e])}const u=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var d=r(7056),l=r(50);const f="[data-nr-mask]",h=()=>{const e={mask_selector:"*",block_selector:"[data-nr-block]",mask_input_options:{color:!1,date:!1,"datetime-local":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{feature_flags:[],proxy:{assets:void 0,beacon:void 0},privacy:{cookies_enabled:!0},ajax:{deny_list:void 0,block_internal:!0,enabled:!0,harvestTimeSeconds:10,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},session:{expiresMs:d.oD,inactiveMs:d.Hb},ssl:void 0,obfuscate:void 0,jserrors:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},metrics:{enabled:!0,autoStart:!0},page_action:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,long_task:!1,autoStart:!0},session_trace:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},harvest:{tooManyRequestsDelay:60},session_replay:{autoStart:!0,enabled:!1,harvestTimeSeconds:60,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,inline_stylesheet:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){u(t)?e.mask_selector="".concat(t,",").concat(f):""===t||null===t?e.mask_selector=f:(0,l.Z)("An invalid session_replay.mask_selector was provided. '*' will be used.",t)},get block_class(){return"nr-block"},get ignore_class(){return"nr-ignore"},get mask_text_class(){return"nr-mask"},get block_selector(){return e.block_selector},set block_selector(t){u(t)?e.block_selector+=",".concat(t):""!==t&&(0,l.Z)("An invalid session_replay.block_selector was provided and will not be used",t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&"object"==typeof t?e.mask_input_options={...t,password:!0}:(0,l.Z)("An invalid session_replay.mask_input_option was provided and will not be used",t)}},spa:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},soft_navigations:{enabled:!0,harvestTimeSeconds:10,autoStart:!0}}},p={},g="All configuration objects require an agent identifier!";function m(e){if(!e)throw new Error(g);if(!p[e])throw new Error("Configuration for ".concat(e," was never set"));return p[e]}function v(e,t){if(!e)throw new Error(g);p[e]=(0,i.D)(t,h());const r=(0,n.ek)(e);r&&(r.init=p[e])}function b(e,t){if(!e)throw new Error(g);var r=m(e);if(r){for(var n=t.split("."),i=0;i<n.length-1;i++)if("object"!=typeof(r=r[n[i]]))return;r=r[n[n.length-1]]}return r}const y={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},A={};function w(e){if(!e)throw new Error("All loader-config objects require an agent identifier!");if(!A[e])throw new Error("LoaderConfig for ".concat(e," was never set"));return A[e]}function E(e,t){if(!e)throw new Error("All loader-config objects require an agent identifier!");A[e]=(0,i.D)(t,y);const r=(0,n.ek)(e);r&&(r.loader_config=A[e])}const _=(0,n.mF)().o;var x=r(385),R=r(6818);const S={buildEnv:R.Re,distMethod:R.gF,version:R.q4,originTime:x.sK},T={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,origin:""+x._A.location,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,harvestCount:0,timeKeeper:void 0},N={};function O(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!N[e])throw new Error("Runtime for ".concat(e," was never set"));return N[e]}function I(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");N[e]={...(0,i.D)(t,T),...S};const r=(0,n.ek)(e);r&&(r.runtime=N[e])}function D(e){return function(e){try{const t=s(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}(e)}},9567:(e,t,r)=>{"use strict";r.d(t,{D:()=>i});var n=r(50);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.Z)("Setting a Configurable requires an object as input");if(!t||"object"!=typeof t)return(0,n.Z)("Setting a Configurable requires a model to set its initial properties");const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.Z)("An error occurred while setting a property of a Configurable",e)}return r}catch(e){(0,n.Z)("An error occured while setting a Configurable",e)}}},6818:(e,t,r)=>{"use strict";r.d(t,{Re:()=>i,gF:()=>o,lF:()=>a,q4:()=>n});const n="1.260.0",i="PROD",o="CDN",a="2.0.0-alpha.12"},385:(e,t,r)=>{"use strict";r.d(t,{FN:()=>c,IF:()=>l,LW:()=>a,Nk:()=>h,Tt:()=>u,_A:()=>o,iS:()=>s,il:()=>n,sK:()=>p,ux:()=>d,v6:()=>i,w1:()=>f});const n="undefined"!=typeof window&&!!window.document,i="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),o=n?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),a="complete"===o?.document?.readyState,s=Boolean("hidden"===o?.document?.visibilityState),c=""+o?.location,u=/iPad|iPhone|iPod/.test(o.navigator?.userAgent),d=u&&"undefined"==typeof SharedWorker,l=(()=>{const e=o.navigator?.userAgent?.match(/Firefox[/\s](\d+\.\d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),f=Boolean(n&&window.document.documentMode),h=!!o.navigator?.sendBeacon,p=Math.floor(Date.now()-performance.now())},1117:(e,t,r)=>{"use strict";r.d(t,{w:()=>o});var n=r(50);const i={agentIdentifier:"",ee:void 0};class o{constructor(e){try{if("object"!=typeof e)return(0,n.Z)("shared context requires an object as input");this.sharedContext={},Object.assign(this.sharedContext,i),Object.entries(e).forEach((e=>{let[t,r]=e;Object.keys(i).includes(t)&&(this.sharedContext[t]=r)}))}catch(e){(0,n.Z)("An error occurred while setting SharedContext",e)}}}},1199:(e,t,r)=>{"use strict";r.d(t,{R2:()=>a,zR:()=>i,zh:()=>o});var n=[];function i(e){if(o(e))return!1;if(0===n.length)return!0;for(var t=0;t<n.length;t++){var r=n[t];if("*"===r.hostname)return!1;if(s(r.hostname,e.hostname)&&c(r.pathname,e.pathname))return!1}return!0}function o(e){return void 0===e.hostname}function a(e){if(n=[],e&&e.length)for(var t=0;t<e.length;t++){let r=e[t];if(!r)continue;0===r.indexOf("http://")?r=r.substring(7):0===r.indexOf("https://")&&(r=r.substring(8));const i=r.indexOf("/");let o,a;i>0?(o=r.substring(0,i),a=r.substring(i)):(o=r,a="");let[s]=o.split(":");n.push({hostname:s,pathname:a})}}function s(e,t){return!(e.length>t.length)&&t.indexOf(e)===t.length-e.length}function c(e,t){return 0===e.indexOf("/")&&(e=e.substring(1)),0===t.indexOf("/")&&(t=t.substring(1)),""===e||e===t}},8e3:(e,t,r)=>{"use strict";r.d(t,{LP:()=>l,RP:()=>c,o5:()=>u});var n=r(8325),i=r(1284),o=r(4322),a=r(3325);const s={};function c(e,t){const r={staged:!1,priority:a.p[t]||0};d(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){d(e),s[e].get(t)&&s[e].delete(t),s[e].size&&f(e)}function d(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function l(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:"",t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"feature",r=arguments.length>2&&void 0!==arguments[2]&&arguments[2];if(d(e),!e||!s[e].get(t)||r)return h(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((e=>{let[t,r]=e;return r.staged}))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((t=>{let[r]=t;s[e].delete(r),h(e,r)})))}function h(e,t){const r=e?n.ee.get(e):n.ee,a=o.X.handlers;if(r.backlog&&a){var s=r.backlog[t],c=a[t];if(c){for(var u=0;s&&u<s.length;++u)p(s[u],c);(0,i.D)(c,(function(e,t){(0,i.D)(t,(function(t,r){r[0].on(e,r[1])}))}))}r.isolatedBacklog||delete a[t],r.backlog[t]=null,r.emit("drain-"+t,[])}}function p(e,t){var r=e[1];(0,i.D)(t[r],(function(t,r){var n=e[0];if(r[0]===n){var i=r[1],o=e[3],a=e[2];i.apply(o,a)}}))}},8325:(e,t,r)=>{"use strict";r.d(t,{A:()=>c,ee:()=>u});var n=r(8632),i=r(2210),o=r(234);class a{constructor(e){this.contextId=e}}var s=r(3117);const c="nr@context:".concat(s.a),u=function e(t,r){var n={},s={},d={},l=!1;try{l=16===r.length&&(0,o.OP)(r).isolatedBacklog}catch(e){}var f={on:p,addEventListener:p,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i<r.length;i++)r[i]===t&&r.splice(i,1)},emit:function(e,r,n,i,o){!1!==o&&(o=!0);if(u.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=h(n),c=g(e),d=c.length,l=0;l<d;l++)c[l].apply(a,r);var p=v()[s[e]];p&&p.push([f,e,r,a]);return a},get:m,listeners:g,context:h,buffer:function(e,t){const r=v();if(t=t||"feature",f.aborted)return;Object.entries(e||{}).forEach((e=>{let[n,i]=e;s[i]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!v()[s[e]]},debugId:r,backlog:l?{}:t&&"object"==typeof t.backlog?t.backlog:{},isolatedBacklog:l};return Object.defineProperty(f,"aborted",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function h(e){return e&&e instanceof a?e:e?(0,i.X)(e,c,(()=>new a(c))):new a(c)}function p(e,t){n[e]=g(e).concat(t)}function g(e){return n[e]||[]}function m(t){return d[t]=d[t]||e(f,t)}function v(){return f.backlog}}(void 0,"globalEE"),d=(0,n.fP)();d.ee||(d.ee=u)},5546:(e,t,r)=>{"use strict";r.d(t,{E:()=>n,p:()=>i});var n=r(8325).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},4322:(e,t,r)=>{"use strict";r.d(t,{X:()=>o});var n=r(5546);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.E,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.E);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3239:(e,t,r)=>{"use strict";r.d(t,{bP:()=>s,iz:()=>c,m$:()=>a});var n=r(385);let i=!1,o=!1;try{const e={get passive(){return i=!0,!1},get signal(){return o=!0,!1}};n._A.addEventListener("test",null,e),n._A.removeEventListener("test",null,e)}catch(e){}function a(e,t){return i||o?{capture:!!e,passive:i,signal:t}:!!e}function s(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2],n=arguments.length>3?arguments[3]:void 0;window.addEventListener(e,t,a(r,n))}function c(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2],n=arguments.length>3?arguments[3]:void 0;document.addEventListener(e,t,a(r,n))}},3117:(e,t,r)=>{"use strict";r.d(t,{a:()=>n});const n=(0,r(4402).Rl)()},4402:(e,t,r)=>{"use strict";r.d(t,{Ht:()=>u,M:()=>c,Rl:()=>a,ky:()=>s});var n=r(385);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n._A?.crypto||n._A?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split("").map((e=>"x"===e?o(t,r++).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n._A?.crypto||n._A?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s<e;s++)a.push(o(r,i++).toString(16));return a.join("")}function c(){return s(16)}function u(){return s(32)}},7056:(e,t,r)=>{"use strict";r.d(t,{Bq:()=>n,Hb:()=>a,IK:()=>u,K4:()=>i,oD:()=>o,uT:()=>c,wO:()=>s});const n="NRBA",i="SESSION",o=144e5,a=18e5,s={STARTED:"session-started",PAUSE:"session-pause",RESET:"session-reset",RESUME:"session-resume",UPDATE:"session-update"},c={SAME_TAB:"same-tab",CROSS_TAB:"cross-tab"},u={OFF:0,FULL:1,ERROR:2}},7894:(e,t,r)=>{"use strict";function n(){return Math.floor(performance.now())}r.d(t,{z:()=>n})},7243:(e,t,r)=>{"use strict";r.d(t,{e:()=>i});var n=r(385);function i(e){if(0===(e||"").indexOf("data:"))return{protocol:"data"};try{const t=new URL(e,location.href),r={port:t.port,hostname:t.hostname,pathname:t.pathname,search:t.search,protocol:t.protocol.slice(0,t.protocol.indexOf(":")),sameOrigin:t.protocol===n._A?.location?.protocol&&t.host===n._A?.location?.host};return r.port&&""!==r.port||("http:"===t.protocol&&(r.port="80"),"https:"===t.protocol&&(r.port="443")),r.pathname&&""!==r.pathname?r.pathname.startsWith("/")||(r.pathname="/".concat(r.pathname)):r.pathname="/",r}catch(e){return{}}}},50:(e,t,r)=>{"use strict";function n(e,t){"function"==typeof console.warn&&(console.warn("New Relic: ".concat(e)),t&&console.warn(t))}r.d(t,{Z:()=>n})},2825:(e,t,r)=>{"use strict";r.d(t,{N:()=>c,T:()=>s});var n=r(8325),i=r(385);const o="newrelic";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&"object"==typeof e&&(a.has(t)||(r.emit("rumresp",[e]),s[t]=e,a.add(t),function(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:{};try{i._A.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},2210:(e,t,r)=>{"use strict";r.d(t,{X:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},7872:(e,t,r)=>{"use strict";function n(e){var t=this;let r=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500,n=arguments.length>2&&void 0!==arguments[2]?arguments[2]:{};const i=n?.leading||!1;let o;return function(){for(var n=arguments.length,a=new Array(n),s=0;s<n;s++)a[s]=arguments[s];i&&void 0===o&&(e.apply(t,a),o=setTimeout((()=>{o=clearTimeout(o)}),r)),i||(clearTimeout(o),o=setTimeout((()=>{e.apply(t,a)}),r))}}function i(e){var t=this;let r=!1;return function(){if(!r){r=!0;for(var n=arguments.length,i=new Array(n),o=0;o<n;o++)i[o]=arguments[o];e.apply(t,i)}}}r.d(t,{D:()=>n,Z:()=>i})},1284:(e,t,r)=>{"use strict";r.d(t,{D:()=>n});const n=(e,t)=>Object.entries(e||{}).map((e=>{let[r,n]=e;return t(r,n)}))},4351:(e,t,r)=>{"use strict";r.d(t,{P:()=>o});var n=r(8325);const i=()=>{const e=new WeakSet;return(t,r)=>{if("object"==typeof r&&null!==r){if(e.has(r))return;e.add(r)}return r}};function o(e){try{return JSON.stringify(e,i())}catch(e){try{n.ee.emit("internal-error",[e])}catch(e){}}}},3960:(e,t,r)=>{"use strict";r.d(t,{KB:()=>a,b2:()=>o});var n=r(3239);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.bP)("load",e,t)}function a(e){if(i())return e();(0,n.iz)("DOMContentLoaded",e)}},8632:(e,t,r)=>{"use strict";r.d(t,{EZ:()=>d,ce:()=>o,ek:()=>u,fP:()=>a,gG:()=>l,h5:()=>c,mF:()=>s});var n=r(385),i=r(7894);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return n._A.NREUM||(n._A.NREUM={}),void 0===n._A.newrelic&&(n._A.newrelic=n._A.NREUM),n._A.NREUM}function s(){let e=a();return e.o||(e.o={ST:n._A.setTimeout,SI:n._A.setImmediate,CT:n._A.clearTimeout,XHR:n._A.XMLHttpRequest,REQ:n._A.Request,EV:n._A.Event,PR:n._A.Promise,MO:n._A.MutationObserver,FETCH:n._A.fetch}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.z)(),date:new Date},r.initializedAgents[e]=t}function u(e){let t=a();return t.initializedAgents?.[e]}function d(e,t){a()[e]=t}function l(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},7956:(e,t,r)=>{"use strict";r.d(t,{N:()=>i});var n=r(3239);function i(e){let t=arguments.length>1&&void 0!==arguments[1]&&arguments[1],r=arguments.length>2?arguments[2]:void 0,i=arguments.length>3?arguments[3]:void 0;(0,n.iz)("visibilitychange",(function(){if(t)return void("hidden"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},7806:(e,t,r)=>{"use strict";r.d(t,{em:()=>b,u5:()=>T,QU:()=>I,_L:()=>j,Gm:()=>L,Lg:()=>M,BV:()=>V,Kf:()=>Y});var n=r(8325),i=r(3117);const o="nr@original:".concat(i.a);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");const a="-"===n.charAt(0);for(let s=0;s<t.length;s++){const c=t[s],u=e[c];d(u)||(e[c]=r(u,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return d(t)?t:(r||(r=""),nrWrapper[o]=t,function(e,t,r){if(Object.defineProperty&&Object.keys)try{return Object.keys(e).forEach((function(r){Object.defineProperty(t,r,{get:function(){return e[r]},set:function(t){return e[r]=t,t}})})),t}catch(e){u([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,d,l;try{a=this,o=[...arguments],d="function"==typeof n?n(o,a):n||{}}catch(t){u([t,"",[o,a,s],d],e)}i(r+"start",[o,a,s],d,c);try{return l=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],d,c),e}finally{i(r+"end",[o,a,l],d,c)}}}function i(r,n,i,o){if(!s||t){var a=s;s=!0;try{e.emit(r,n,i,t,o)}catch(t){u([t,r,n,i],e)}s=a}}}function u(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function d(e){return!(e&&"function"==typeof e&&e.apply&&!e[o])}var l=r(2210),f=r(385);const h={},p=f._A.XMLHttpRequest,g="addEventListener",m="removeEventListener",v="nr@wrapped:".concat(n.A);function b(e){var t=function(e){return(e||n.ee).get("events")}(e);if(h[t.debugId]++)return t;h[t.debugId]=1;var r=c(t,!0);function i(e){r.inPlace(e,[g,m],"-",o)}function o(e,t){return e[1]}return"getPrototypeOf"in Object&&(f.il&&y(document,i),y(f._A,i),y(p.prototype,i)),t.on(g+"-start",(function(e,t){var n=e[1];if(null!==n&&("function"==typeof n||"object"==typeof n)){var i=(0,l.X)(n,v,(function(){var e={object:function(){if("function"!=typeof n.handleEvent)return;return n.handleEvent.apply(n,arguments)},function:n}[typeof n];return e?r(e,"fn-",null,e.name||"anonymous"):n}));this.wrapped=e[1]=i}})),t.on(m+"-start",(function(e){e[1]=this.wrapped||e[1]})),t}function y(e,t){let r=e;for(;"object"==typeof r&&!Object.prototype.hasOwnProperty.call(r,g);)r=Object.getPrototypeOf(r);for(var n=arguments.length,i=new Array(n>2?n-2:0),o=2;o<n;o++)i[o-2]=arguments[o];r&&t(r,...i)}var A="fetch-",w=A+"body-",E=["arrayBuffer","blob","json","text","formData"],_=f._A.Request,x=f._A.Response,R="prototype";const S={};function T(e){const t=function(e){return(e||n.ee).get("fetch")}(e);if(!(_&&x&&f._A.fetch))return t;if(S[t.debugId]++)return t;function r(e,r,i){var o=e[r];"function"==typeof o&&(e[r]=function(){var e,r=[...arguments],a={};t.emit(i+"before-start",[r],a),a[n.A]&&a[n.A].dt&&(e=a[n.A].dt);var s=o.apply(this,r);return t.emit(i+"start",[r,e],s),s.then((function(e){return t.emit(i+"end",[null,e],s),e}),(function(e){throw t.emit(i+"end",[e],s),e}))})}return S[t.debugId]=1,E.forEach((e=>{r(_[R],e,w),r(x[R],e,w)})),r(f._A,"fetch",A),t.on(A+"end",(function(e,r){var n=this;if(r){var i=r.headers.get("content-length");null!==i&&(n.rxSize=i),t.emit(A+"done",[null,r],n)}else t.emit(A+"done",[e],n)})),t}const N={},O=["pushState","replaceState"];function I(e){const t=function(e){return(e||n.ee).get("history")}(e);return!f.il||N[t.debugId]++||(N[t.debugId]=1,c(t).inPlace(window.history,O,"-")),t}var D=r(3239);const P={},C=["appendChild","insertBefore","replaceChild"];function j(e){const t=function(e){return(e||n.ee).get("jsonp")}(e);if(!f.il||P[t.debugId])return t;P[t.debugId]=!0;var r=c(t),i=/[?&](?:callback|cb)=([^&#]+)/,o=/(.*)\.([^.]+)/,a=/^(\w+)(\.|$)(.*)$/;function s(e,t){if(!e)return t;const r=e.match(a),n=r[1];return s(r[3],t[n])}return r.inPlace(Node.prototype,C,"dom-"),t.on("dom-start",(function(e){!function(e){if(!e||"string"!=typeof e.nodeName||"script"!==e.nodeName.toLowerCase())return;if("function"!=typeof e.addEventListener)return;var n=(a=e.src,c=a.match(i),c?c[1]:null);var a,c;if(!n)return;var u=function(e){var t=e.match(o);if(t&&t.length>=3)return{key:t[2],parent:s(t[1],window)};return{key:e,parent:window}}(n);if("function"!=typeof u.parent[u.key])return;var d={};function l(){t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,D.m$)(!1)),e.removeEventListener("error",f,(0,D.m$)(!1))}function f(){t.emit("jsonp-error",[],d),t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,D.m$)(!1)),e.removeEventListener("error",f,(0,D.m$)(!1))}r.inPlace(u.parent,[u.key],"cb-",d),e.addEventListener("load",l,(0,D.m$)(!1)),e.addEventListener("error",f,(0,D.m$)(!1)),t.emit("new-jsonp",[e.src],d)}(e[0])})),t}const k={};function L(e){const t=function(e){return(e||n.ee).get("mutation")}(e);if(!f.il||k[t.debugId])return t;k[t.debugId]=!0;var r=c(t),i=f._A.MutationObserver;return i&&(window.MutationObserver=function(e){return this instanceof i?new i(r(e,"fn-")):i.apply(this,arguments)},MutationObserver.prototype=i.prototype),t}const H={};function M(e){const t=function(e){return(e||n.ee).get("promise")}(e);if(H[t.debugId])return t;H[t.debugId]=!0;var r=t.context,i=c(t),a=f._A.Promise;return a&&function(){function e(r){var n=t.context(),o=i(r,"executor-",n,null,!1);const s=Reflect.construct(a,[o],e);return t.context(s).getCtx=function(){return n},s}f._A.Promise=e,Object.defineProperty(e,"name",{value:"Promise"}),e.toString=function(){return a.toString()},Object.setPrototypeOf(e,a),["all","race"].forEach((function(r){const n=a[r];e[r]=function(e){let i=!1;[...e||[]].forEach((e=>{this.resolve(e).then(a("all"===r),a(!1))}));const o=n.apply(this,arguments);return o;function a(e){return function(){t.emit("propagate",[null,!i],o,!1,!1),i=i||!e}}}})),["resolve","reject"].forEach((function(r){const n=a[r];e[r]=function(e){const r=n.apply(this,arguments);return e!==r&&t.emit("propagate",[e,!0],r,!1,!1),r}})),e.prototype=a.prototype;const n=a.prototype.then;a.prototype.then=function(){var e=this,o=r(e);o.promise=e;for(var a=arguments.length,s=new Array(a),c=0;c<a;c++)s[c]=arguments[c];s[0]=i(s[0],"cb-",o,null,!1),s[1]=i(s[1],"cb-",o,null,!1);const u=n.apply(this,s);return o.nextPromise=u,t.emit("propagate",[e,!0],u,!1,!1),u},a.prototype.then[o]=n,t.on("executor-start",(function(e){e[0]=i(e[0],"resolve-",this,null,!1),e[1]=i(e[1],"resolve-",this,null,!1)})),t.on("executor-err",(function(e,t,r){e[1](r)})),t.on("cb-end",(function(e,r,n){t.emit("propagate",[n,!0],this.nextPromise,!1,!1)})),t.on("propagate",(function(e,r,n){this.getCtx&&!r||(this.getCtx=function(){if(e instanceof Promise)var r=t.context(e);return r&&r.getCtx?r.getCtx():this})}))}(),t}const U={},z="setTimeout",F="setInterval",B="clearTimeout",G="-start",q="-",K=[z,"setImmediate",F,B,"clearImmediate"];function V(e){const t=function(e){return(e||n.ee).get("timer")}(e);if(U[t.debugId]++)return t;U[t.debugId]=1;var r=c(t);return r.inPlace(f._A,K.slice(0,2),z+q),r.inPlace(f._A,K.slice(2,3),F+q),r.inPlace(f._A,K.slice(3),B+q),t.on(F+G,(function(e,t,n){e[0]=r(e[0],"fn-",null,n)})),t.on(z+G,(function(e,t,n){this.method=n,this.timerDuration=isNaN(e[1])?0:+e[1],e[0]=r(e[0],"fn-",this,n)})),t}var Z=r(50);const W={},X=["open","send"];function Y(e){var t=e||n.ee;const r=function(e){return(e||n.ee).get("xhr")}(t);if(W[r.debugId]++)return r;W[r.debugId]=1,b(t);var i=c(r),o=f._A.XMLHttpRequest,a=f._A.MutationObserver,s=f._A.Promise,u=f._A.setInterval,d="readystatechange",l=["onload","onerror","onabort","onloadstart","onloadend","onprogress","ontimeout"],h=[],p=f._A.XMLHttpRequest=function(e){const t=new o(e),n=r.context(t);try{r.emit("new-xhr",[t],n),t.addEventListener(d,(a=n,function(){var e=this;e.readyState>3&&!a.resolved&&(a.resolved=!0,r.emit("xhr-resolved",[],e)),i.inPlace(e,l,"fn-",w)}),(0,D.m$)(!1))}catch(e){(0,Z.Z)("An error occurred while intercepting XHR",e);try{r.emit("internal-error",[e])}catch(e){}}var a;return t};function g(e,t){i.inPlace(t,["onreadystatechange"],"fn-",w)}if(function(e,t){for(var r in e)t[r]=e[r]}(o,p),p.prototype=o.prototype,i.inPlace(p.prototype,X,"-xhr-",w),r.on("send-xhr-start",(function(e,t){g(e,t),function(e){h.push(e),a&&(m?m.then(A):u?u(A):(v=-v,y.data=v))}(t)})),r.on("open-xhr-start",g),a){var m=s&&s.resolve();if(!u&&!s){var v=1,y=document.createTextNode(v);new a(A).observe(y,{characterData:!0})}}else t.on("fn-end",(function(e){e[0]&&e[0].type===d||A()}));function A(){for(var e=0;e<h.length;e++)g(0,h[e]);h.length&&(h=[])}function w(e,t){return t}return r}},7825:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.ajax},6660:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.jserrors},3081:(e,t,r)=>{"use strict";r.d(t,{gF:()=>o,mY:()=>i,t9:()=>n,vz:()=>s,xS:()=>a});const n=r(3325).D.metrics,i="sm",o="cm",a="storeSupportabilityMetrics",s="storeEventMetrics"},4649:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.pageAction},7633:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.pageViewEvent},9251:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.pageViewTiming},7144:(e,t,r)=>{"use strict";r.d(t,{Ef:()=>o,J0:()=>f,Mi:()=>l,Vb:()=>a,Ye:()=>c,fm:()=>u,i9:()=>s,pB:()=>h,t9:()=>i,u0:()=>d});var n=r(7056);const i=r(3325).D.sessionReplay,o={RECORD:"recordReplay",PAUSE:"pauseReplay",REPLAY_RUNNING:"replayRunning",ERROR_DURING_REPLAY:"errorDuringReplay"},a=.12,s={DomContentLoaded:0,Load:1,FullSnapshot:2,IncrementalSnapshot:3,Meta:4,Custom:5},c=1e6,u=64e3,d={[n.IK.ERROR]:15e3,[n.IK.FULL]:3e5,[n.IK.OFF]:0},l={RESET:{message:"Session was reset",sm:"Reset"},IMPORT:{message:"Recorder failed to import",sm:"Import"},TOO_MANY:{message:"429: Too Many Requests",sm:"Too-Many"},TOO_BIG:{message:"Payload was too large",sm:"Too-Big"},CROSS_TAB:{message:"Session Entity was set to OFF on another tab",sm:"Cross-Tab"},ENTITLEMENTS:{message:"Session Replay is not allowed and will not be started",sm:"Entitlement"}},f=5e3,h={API:"api"}},3112:(e,t,r)=>{"use strict";r.d(t,{HM:()=>c,Rc:()=>a,rU:()=>s,wi:()=>u});var n=r(234),i=r(8488),o=r(385);function a(e){return!!n.Yu.MO&&(0,i.H)(e)&&!0===(0,n.Mt)(e,"session_trace.enabled")}function s(e){return!0===(0,n.Mt)(e,"session_replay.preload")&&a(e)}function c(e,t){return!!a(e)&&(!!t?.isNew||!!t?.state.sessionReplayMode)}function u(e,t){const r=t.correctAbsoluteTimestamp(e);return{originalTimestamp:e,correctedTimestamp:r,timestampDiff:e-r,originTime:o.sK,correctedOriginTime:t.correctedOriginTime,originTimeDiff:Math.floor(o.sK-t.correctedOriginTime)}}},3614:(e,t,r)=>{"use strict";r.d(t,{BST_RESOURCE:()=>i,END:()=>s,FEATURE_NAME:()=>n,FN_END:()=>u,FN_START:()=>c,PUSH_STATE:()=>d,RESOURCE:()=>o,START:()=>a,c:()=>l});const n=r(3325).D.sessionTrace,i="bstResource",o="resource",a="-start",s="-end",c="fn"+a,u="fn"+s,d="pushState",l=1e3},6216:(e,t,r)=>{"use strict";r.d(t,{K8:()=>s,QZ:()=>c,cS:()=>o,sE:()=>i,t9:()=>a,vh:()=>u});var n=r(3325);const i=["click","keydown","submit"],o="api",a=n.D.softNav,s={INITIAL_PAGE_LOAD:"",ROUTE_CHANGE:1,UNSPECIFIED:2},c={INTERACTION:1,AJAX:2,CUSTOM_END:3,CUSTOM_TRACER:4},u={IP:"in progress",FIN:"finished",CAN:"cancelled"}},7836:(e,t,r)=>{"use strict";r.d(t,{BODY:()=>E,CB_END:()=>_,CB_START:()=>u,END:()=>w,FEATURE_NAME:()=>i,FETCH:()=>R,FETCH_BODY:()=>v,FETCH_DONE:()=>m,FETCH_START:()=>g,FN_END:()=>c,FN_START:()=>s,INTERACTION:()=>f,INTERACTION_API:()=>d,INTERACTION_EVENTS:()=>o,JSONP_END:()=>b,JSONP_NODE:()=>p,JS_TIME:()=>x,MAX_TIMER_BUDGET:()=>a,REMAINING:()=>l,SPA_NODE:()=>h,START:()=>A,originalSetTimeout:()=>y});var n=r(234);const i=r(3325).D.spa,o=["click","submit","keypress","keydown","keyup","change"],a=999,s="fn-start",c="fn-end",u="cb-start",d="api-ixn-",l="remaining",f="interaction",h="spaNode",p="jsonpNode",g="fetch-start",m="fetch-done",v="fetch-body-",b="jsonp-end",y=n.Yu.ST,A="-start",w="-end",E="-body",_="cb"+w,x="jsTime",R="fetch"},5938:(e,t,r)=>{"use strict";r.d(t,{W:()=>i});var n=r(8325);class i{constructor(e,t,r){this.agentIdentifier=e,this.aggregator=t,this.ee=n.ee.get(e),this.featureName=r,this.blocked=!1}}},8488:(e,t,r)=>{"use strict";r.d(t,{H:()=>o});var n=r(234),i=r(385);const o=e=>i.il&&!0===(0,n.Mt)(e,"privacy.cookies_enabled")},2758:(e,t,r)=>{"use strict";r.d(t,{j:()=>_});var n=r(3325),i=r(234),o=r(5546),a=r(8325),s=r(8e3),c=r(3960),u=r(385),d=r(50),l=r(3081),f=r(8632),h=r(7144);const p=["setErrorHandler","finished","addToTrace","addRelease","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId","setApplicationVersion","start",h.Ef.RECORD,h.Ef.PAUSE],g=["setErrorHandler","finished","addToTrace","addRelease"];var m=r(7894),v=r(7056);function b(){const e=(0,f.gG)();p.forEach((t=>{e[t]=function(){for(var r=arguments.length,n=new Array(r),i=0;i<r;i++)n[i]=arguments[i];return function(t){for(var r=arguments.length,n=new Array(r>1?r-1:0),i=1;i<r;i++)n[i-1]=arguments[i];let o=[];return Object.values(e.initializedAgents).forEach((e=>{e.exposed&&e.api[t]&&o.push(e.api[t](...n))})),o.length>1?o:o[0]}(t,...n)}}))}const y={};var A=r(2825);const w=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let E=!1;function _(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:{},p=arguments.length>2?arguments[2]:void 0,_=arguments.length>3?arguments[3]:void 0,{init:x,info:R,loader_config:S,runtime:T={loaderType:p},exposed:N=!0}=t;const O=(0,f.gG)();R||(x=O.init,R=O.info,S=O.loader_config),(0,i.Dg)(e.agentIdentifier,x||{}),(0,i.GE)(e.agentIdentifier,S||{}),R.jsAttributes??={},u.v6&&(R.jsAttributes.isWorker=!0),(0,i.CX)(e.agentIdentifier,R);const I=(0,i.P_)(e.agentIdentifier),D=[R.beacon,R.errorBeacon];E||(I.proxy.assets&&(w(I.proxy.assets),D.push(I.proxy.assets)),I.proxy.beacon&&D.push(I.proxy.beacon),b(),(0,f.EZ)("activatedFeatures",A.T),e.runSoftNavOverSpa&&=!0===I.soft_navigations.enabled&&I.feature_flags.includes("soft_nav")),T.denyList=[...I.ajax.deny_list||[],...I.ajax.block_internal?D:[]],T.ptid=e.agentIdentifier,(0,i.sU)(e.agentIdentifier,T),void 0===e.api&&(e.api=function(e,t){let f=arguments.length>2&&void 0!==arguments[2]&&arguments[2];t||(0,s.RP)(e,"api");const p={};var b=a.ee.get(e),A=b.get("tracer");y[e]=v.IK.OFF,b.on(h.Ef.REPLAY_RUNNING,(t=>{y[e]=t}));var w="api-",E=w+"ixn-";function _(t,r,n,o){const a=(0,i.C5)(e);return null===r?delete a.jsAttributes[t]:(0,i.CX)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),S(w,n,!0,o||null===r?"session":void 0)(t,r)}function x(){}g.forEach((e=>{p[e]=S(w,e,!0,"api")})),p.addPageAction=S(w,"addPageAction",!0,n.D.pageAction),p.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,i.OP)(e).customTransaction=(r||"http://custom.transaction")+t,S(w,"setPageViewName",!0)()},p.setCustomAttribute=function(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2];if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return _(e,t,"setCustomAttribute",r);(0,d.Z)("Failed to execute setCustomAttribute.\nNon-null value must be a string, number or boolean type, but a type of <".concat(typeof t,"> was provided."))}else(0,d.Z)("Failed to execute setCustomAttribute.\nName must be a string type, but a type of <".concat(typeof e,"> was provided."))},p.setUserId=function(e){if("string"==typeof e||null===e)return _("enduser.id",e,"setUserId",!0);(0,d.Z)("Failed to execute setUserId.\nNon-null value must be a string type, but a type of <".concat(typeof e,"> was provided."))},p.setApplicationVersion=function(e){if("string"==typeof e||null===e)return _("application.version",e,"setApplicationVersion",!1);(0,d.Z)("Failed to execute setApplicationVersion. Expected <String | null>, but got <".concat(typeof e,">."))},p.start=()=>{try{(0,o.p)(l.xS,["API/start/called"],void 0,n.D.metrics,b),b.emit("manual-start-all")}catch(e){(0,d.Z)("An unexpected issue occurred",e)}},p[h.Ef.RECORD]=function(){(0,o.p)(l.xS,["API/recordReplay/called"],void 0,n.D.metrics,b),(0,o.p)(h.Ef.RECORD,[],void 0,n.D.sessionReplay,b)},p[h.Ef.PAUSE]=function(){(0,o.p)(l.xS,["API/pauseReplay/called"],void 0,n.D.metrics,b),(0,o.p)(h.Ef.PAUSE,[],void 0,n.D.sessionReplay,b)},p.interaction=function(e){return(new x).get("object"==typeof e?e:{})};const R=x.prototype={createTracer:function(e,t){var r={},i=this,a="function"==typeof t;return(0,o.p)(l.xS,["API/createTracer/called"],void 0,n.D.metrics,b),f||(0,o.p)(E+"tracer",[(0,m.z)(),e,r],i,n.D.spa,b),function(){if(A.emit((a?"":"no-")+"fn-start",[(0,m.z)(),i,a],r),a)try{return t.apply(this,arguments)}catch(e){const t="string"==typeof e?new Error(e):e;throw A.emit("fn-err",[arguments,this,t],r),t}finally{A.emit("fn-end",[(0,m.z)()],r)}}}};function S(e,t,r,i){return function(){return(0,o.p)(l.xS,["API/"+t+"/called"],void 0,n.D.metrics,b),i&&(0,o.p)(e+t,[(0,m.z)(),...arguments],r?null:this,i,b),r?void 0:this}}function T(){r.e(111).then(r.bind(r,7438)).then((t=>{let{setAPI:r}=t;r(e),(0,s.LP)(e,"api")})).catch((e=>{(0,d.Z)("Downloading runtime APIs failed...",e),b.abort()}))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{R[e]=S(E,e,void 0,f?n.D.softNav:n.D.spa)})),p.setCurrentRouteName=f?S(E,"routeName",void 0,n.D.softNav):S(w,"routeName",!0,n.D.spa),p.noticeError=function(t,r){"string"==typeof t&&(t=new Error(t)),(0,o.p)(l.xS,["API/noticeError/called"],void 0,n.D.metrics,b),(0,o.p)("err",[t,(0,m.z)(),!1,r,!!y[e]],void 0,n.D.jserrors,b)},u.il?(0,c.b2)((()=>T()),!0):T(),p}(e.agentIdentifier,_,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=N),E=!0}},8993:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return""})()},3325:(e,t,r)=>{"use strict";r.d(t,{D:()=>n,p:()=>i});const n={ajax:"ajax",jserrors:"jserrors",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",softNav:"soft_navigations",spa:"spa"},i={[n.pageViewEvent]:1,[n.pageViewTiming]:2,[n.metrics]:3,[n.jserrors]:4,[n.ajax]:5,[n.sessionTrace]:6,[n.pageAction]:7,[n.spa]:8,[n.softNav]:9,[n.sessionReplay]:10}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>({111:"nr-spa",164:"nr-spa-compressor",433:"nr-spa-recorder"}[e]+"-1.260.0.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.260.0.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),d=0;d<u.length;d++){var l=u[d];if(l.getAttribute("src")==r||l.getAttribute("data-webpack")==t+o){s=l;break}}if(!s){c=!0;var f={111:"sha512-yg/3G4Xi/nUUSGUZ5sZ5laGfxYiBl4A4z1KiCDtOZnnyZ1yRz/gldBGvnLQkCt9iHEG+xaLgGYJXknmRQ1RRBg==",433:"sha512-+r3Wkk8iuDgwHGMXW/4TexrEk4BUtJDwoydKiVtCg/OhRaVQjDykRQ5pq++NLNYgn6VmvYTyFNtJOzAGjbQYxQ==",164:"sha512-B0foyUJVqgCiRQ77L/MyMwRicWPhe+NqE2lxw/3pl055wE8eTQpuvUp+2B2d8y2J7zEgKz6qDFwcVFoxG46BKw=="};(s=document.createElement("script")).charset="utf-8",s.timeout=120,i.nc&&s.setAttribute("nonce",i.nc),s.setAttribute("data-webpack",t+o),s.src=r,0!==s.src.indexOf(window.location.origin+"/")&&(s.crossOrigin="anonymous"),f[a]&&(s.integrity=f[a])}e[r]=[n];var h=(t,n)=>{s.onerror=s.onload=null,clearTimeout(p);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},p=setTimeout(h.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=h.bind(null,s.onerror),s.onload=h.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.p="https://js-agent.newrelic.com/",(()=>{var e={801:0,92:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u<a.length;u++)o=a[u],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.260.0.PROD"]=self["webpackChunk:NRBA-1.260.0.PROD"]||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))})(),(()=>{"use strict";i(8993);var e=i(50),t=i(7144),r=i(4402),n=i(8325);class o{agentIdentifier;constructor(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:(0,r.ky)(16);this.agentIdentifier=e,this.ee=n.ee.get(e)}#e(t){for(var r=arguments.length,n=new Array(r>1?r-1:0),i=1;i<r;i++)n[i-1]=arguments[i];if("function"==typeof this.api?.[t])return this.api[t](...n);(0,e.Z)("Call to agent api ".concat(t," failed. The API is not currently initialized."))}addPageAction(e,t){return this.#e("addPageAction",e,t)}setPageViewName(e,t){return this.#e("setPageViewName",e,t)}setCustomAttribute(e,t,r){return this.#e("setCustomAttribute",e,t,r)}noticeError(e,t){return this.#e("noticeError",e,t)}setUserId(e){return this.#e("setUserId",e)}setApplicationVersion(e){return this.#e("setApplicationVersion",e)}setErrorHandler(e){return this.#e("setErrorHandler",e)}finished(e){return this.#e("finished",e)}addRelease(e,t){return this.#e("addRelease",e,t)}start(e){return this.#e("start",e)}recordReplay(){return this.#e(t.Ef.RECORD)}pauseReplay(){return this.#e(t.Ef.PAUSE)}addToTrace(e){return this.#e("addToTrace",e)}setCurrentRouteName(e){return this.#e("setCurrentRouteName",e)}interaction(){return this.#e("interaction")}}var a=i(3325),s=i(234);const c=Object.values(a.D);function u(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.Mt)(t,"".concat(e,".enabled"))}(r,e)})),t}var d=i(2758);var l=i(8e3),f=i(5938),h=i(3960),p=i(385),g=i(3112),m=i(8488),v=i(7872);class b extends f.W{constructor(e,t,r){let n=!(arguments.length>3&&void 0!==arguments[3])||arguments[3];super(e,t,r),this.auto=n,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===(0,s.Mt)(this.agentIdentifier,"".concat(this.featureName,".autoStart"))&&(this.auto=!1),this.auto?(0,l.RP)(e,r):this.ee.on("manual-start-all",(0,v.Z)((()=>{(0,l.RP)(this.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator()})))}importAggregator(){let t,r=arguments.length>0&&void 0!==arguments[0]?arguments[0]:{};if(this.featAggregate||!this.auto)return;this.onAggregateImported=new Promise((e=>{t=e}));const n=async()=>{let n;try{if((0,m.H)(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(111).then(i.bind(i,9446));n=e(this.agentIdentifier)}}catch(t){(0,e.Z)("A problem occurred when starting up session manager. This page will not start or extend any session.",t),this.featureName===a.D.sessionReplay&&this.abortHandler?.()}try{if(!this.#t(this.featureName,n))return(0,l.LP)(this.agentIdentifier,this.featureName),void t(!1);const{lazyFeatureLoader:e}=await i.e(111).then(i.bind(i,8582)),{Aggregate:o}=await e(this.featureName,"aggregate");this.featAggregate=new o(this.agentIdentifier,this.aggregator,r),t(!0)}catch(r){(0,e.Z)("Downloading and initializing ".concat(this.featureName," failed..."),r),this.abortHandler?.(),(0,l.LP)(this.agentIdentifier,this.featureName,!0),t(!1),this.ee&&this.ee.abort()}};p.il?(0,h.b2)((()=>n()),!0):n()}#t(e,t){return e!==a.D.sessionReplay||(0,g.HM)(this.agentIdentifier,t)}}var y=i(7633);class A extends b{static featureName=y.t;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,y.t,r),this.importAggregator()}}var w=i(1117),E=i(1284);class _ extends w.w{constructor(e){super(e),this.aggregatedData={}}store(e,t,r,n,i){var o=this.getBucket(e,t,r,i);return o.metrics=function(e,t){t||(t={count:0});return t.count+=1,(0,E.D)(e,(function(e,r){t[e]=x(r,t[e])})),t}(n,o.metrics),o}merge(e,t,r,n,i){var o=this.getBucket(e,t,n,i);if(o.metrics){var a=o.metrics;a.count+=r.count,(0,E.D)(r,(function(e,t){if("count"!==e){var n=a[e],i=r[e];i&&!i.c?a[e]=x(i.t,n):a[e]=function(e,t){if(!t)return e;t.c||(t=R(t.t));return t.min=Math.min(e.min,t.min),t.max=Math.max(e.max,t.max),t.t+=e.t,t.sos+=e.sos,t.c+=e.c,t}(i,a[e])}}))}else o.metrics=r}storeMetric(e,t,r,n){var i=this.getBucket(e,t,r);return i.stats=x(n,i.stats),i}getBucket(e,t,r,n){this.aggregatedData[e]||(this.aggregatedData[e]={});var i=this.aggregatedData[e][t];return i||(i=this.aggregatedData[e][t]={params:r||{}},n&&(i.custom=n)),i}get(e,t){return t?this.aggregatedData[e]&&this.aggregatedData[e][t]:this.aggregatedData[e]}take(e){for(var t={},r="",n=!1,i=0;i<e.length;i++)t[r=e[i]]=Object.values(this.aggregatedData[r]||{}),t[r].length&&(n=!0),delete this.aggregatedData[r];return n?t:null}}function x(e,t){return null==e?function(e){e?e.c++:e={c:1};return e}(t):t?(t.c||(t=R(t.t)),t.c+=1,t.t+=e,t.sos+=e*e,e>t.max&&(t.max=e),e<t.min&&(t.min=e),t):{t:e}}function R(e){return{t:e,min:e,max:e,sos:e*e,c:1}}var S=i(8632),T=i(4351);var N=i(5546),O=i(7956),I=i(3239),D=i(9251),P=i(7894);class C extends b{static featureName=D.t;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,D.t,r),p.il&&((0,O.N)((()=>(0,N.p)("docHidden",[(0,P.z)()],void 0,D.t,this.ee)),!0),(0,I.bP)("pagehide",(()=>(0,N.p)("winPagehide",[(0,P.z)()],void 0,D.t,this.ee))),this.importAggregator())}}var j=i(3081);class k extends b{static featureName=j.t9;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,j.t9,r),this.importAggregator()}}var L=i(6660);class H{constructor(e,t,r,n,i){this.name="UncaughtError",this.message="string"==typeof e?e:(0,T.P)(e),this.sourceURL=t,this.line=r,this.column=n,this.__newrelic=i}}function M(e){return F(e)?e:new H(void 0!==e?.message?e.message:e,e?.filename||e?.sourceURL,e?.lineno||e?.line,e?.colno||e?.col,e?.__newrelic)}function U(e){let t="Unhandled Promise Rejection";if(F(e?.reason))try{return e.reason.message=t+": "+e.reason.message,M(e.reason)}catch(t){return M(e.reason)}if(void 0===e.reason)return M(t);const r=M(e.reason);return r.message=t+": "+r?.message,r}function z(e){if(e.error instanceof SyntaxError&&!/:\d+$/.test(e.error.stack?.trim())){const t=new H(e.message,e.filename,e.lineno,e.colno,e.error.__newrelic);return t.name=SyntaxError.name,t}return F(e.error)?e.error:M(e)}function F(e){return e instanceof Error&&!!e.stack}class B extends b{static featureName=L.t;#r=!1;constructor(e,r){let n=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,r,L.t,n);try{this.removeOnAbort=new AbortController}catch(e){}this.ee.on("internal-error",(e=>{this.abortHandler&&(0,N.p)("ierr",[M(e),(0,P.z)(),!0,{},this.#r],void 0,this.featureName,this.ee)})),this.ee.on(t.Ef.REPLAY_RUNNING,(e=>{this.#r=e})),p._A.addEventListener("unhandledrejection",(e=>{this.abortHandler&&(0,N.p)("err",[U(e),(0,P.z)(),!1,{unhandledPromiseRejection:1},this.#r],void 0,this.featureName,this.ee)}),(0,I.m$)(!1,this.removeOnAbort?.signal)),p._A.addEventListener("error",(e=>{this.abortHandler&&(0,N.p)("err",[z(e),(0,P.z)(),!1,{},this.#r],void 0,this.featureName,this.ee)}),(0,I.m$)(!1,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator()}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var G=i(2210);let q=1;const K="nr@id";function V(e){const t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===p._A?0:(0,G.X)(e,K,(function(){return q++}))}function Z(e){if("string"==typeof e&&e.length)return e.length;if("object"==typeof e){if("undefined"!=typeof ArrayBuffer&&e instanceof ArrayBuffer&&e.byteLength)return e.byteLength;if("undefined"!=typeof Blob&&e instanceof Blob&&e.size)return e.size;if(!("undefined"!=typeof FormData&&e instanceof FormData))try{return(0,T.P)(e).length}catch(e){return}}}var W=i(7806),X=i(7243);class Y{constructor(e){this.agentIdentifier=e}generateTracePayload(e){if(!this.shouldGenerateTrace(e))return null;var t=(0,s.DL)(this.agentIdentifier);if(!t)return null;var n=(t.accountID||"").toString()||null,i=(t.agentID||"").toString()||null,o=(t.trustKey||"").toString()||null;if(!n||!i)return null;var a=(0,r.M)(),c=(0,r.Ht)(),u=Date.now(),d={spanId:a,traceId:c,timestamp:u};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(d.traceContextParentHeader=this.generateTraceContextParentHeader(a,c),d.traceContextStateHeader=this.generateTraceContextStateHeader(a,u,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(d.newrelicHeader=this.generateTraceHeader(a,c,u,n,i,o)),d}generateTraceContextParentHeader(e,t){return"00-"+t+"-"+e+"-01"}generateTraceContextStateHeader(e,t,r,n,i){return i+"@nr=0-1-"+r+"-"+n+"-"+e+"----"+t}generateTraceHeader(e,t,r,n,i,o){if(!("function"==typeof p._A?.btoa))return null;var a={v:[0,1],d:{ty:"Browser",ac:n,ap:i,id:e,tr:t,ti:r}};return o&&n!==o&&(a.d.tk=o),btoa((0,T.P)(a))}shouldGenerateTrace(e){return this.isDtEnabled()&&this.isAllowedOrigin(e)}isAllowedOrigin(e){var t=!1,r={};if((0,s.Mt)(this.agentIdentifier,"distributed_tracing")&&(r=(0,s.P_)(this.agentIdentifier).distributed_tracing),e.sameOrigin)t=!0;else if(r.allowed_origins instanceof Array)for(var n=0;n<r.allowed_origins.length;n++){var i=(0,X.e)(r.allowed_origins[n]);if(e.hostname===i.hostname&&e.protocol===i.protocol&&e.port===i.port){t=!0;break}}return t}isDtEnabled(){var e=(0,s.Mt)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.enabled}excludeNewrelicHeader(){var e=(0,s.Mt)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.exclude_newrelic_header}useNewrelicHeaderForCors(){var e=(0,s.Mt)(this.agentIdentifier,"distributed_tracing");return!!e&&!1!==e.cors_use_newrelic_header}useTraceContextHeadersForCors(){var e=(0,s.Mt)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.cors_use_tracecontext_headers}}var J=i(7825),Q=i(1199),ee=["load","error","abort","timeout"],te=ee.length,re=s.Yu.REQ,ne=s.Yu.XHR;class ie extends b{static featureName=J.t;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,J.t,r),this.dt=new Y(e),this.handler=(e,t,r,n)=>(0,N.p)(e,t,r,n,this.ee);try{const e={xmlhttprequest:"xhr",fetch:"fetch",beacon:"beacon"};p._A?.performance?.getEntriesByType("resource").forEach((t=>{if(t.initiatorType in e&&0!==t.responseStatus){const r={status:t.responseStatus},n={rxSize:t.transferSize,duration:Math.floor(t.duration),cbTime:0};oe(r,t.name),this.handler("xhr",[r,n,t.startTime,t.responseEnd,e[t.initiatorType]],void 0,a.D.ajax)}}))}catch(e){}(0,W.u5)(this.ee),(0,W.Kf)(this.ee),function(e,t,r,n){function i(e){var t=this;t.totalCbs=0,t.called=0,t.cbTime=0,t.end=E,t.ended=!1,t.xhrGuids={},t.lastSize=null,t.loadCaptureCalled=!1,t.params=this.params||{},t.metrics=this.metrics||{},e.addEventListener("load",(function(r){_(t,e)}),(0,I.m$)(!1)),p.IF||e.addEventListener("progress",(function(e){t.lastSize=e.loaded}),(0,I.m$)(!1))}function o(e){this.params={method:e[0]},oe(this,e[1]),this.metrics={}}function c(t,r){var i=(0,s.DL)(e);i.xpid&&this.sameOrigin&&r.setRequestHeader("X-NewRelic-ID",i.xpid);var o=n.generateTracePayload(this.parsedOrigin);if(o){var a=!1;o.newrelicHeader&&(r.setRequestHeader("newrelic",o.newrelicHeader),a=!0),o.traceContextParentHeader&&(r.setRequestHeader("traceparent",o.traceContextParentHeader),o.traceContextStateHeader&&r.setRequestHeader("tracestate",o.traceContextStateHeader),a=!0),a&&(this.dt=o)}}function u(e,r){var n=this.metrics,i=e[0],o=this;if(n&&i){var a=Z(i);a&&(n.txSize=a)}this.startTime=(0,P.z)(),this.body=i,this.listener=function(e){try{"abort"!==e.type||o.loadCaptureCalled||(o.params.aborted=!0),("load"!==e.type||o.called===o.totalCbs&&(o.onloadCalled||"function"!=typeof r.onload)&&"function"==typeof o.end)&&o.end(r)}catch(e){try{t.emit("internal-error",[e])}catch(e){}}};for(var s=0;s<te;s++)r.addEventListener(ee[s],this.listener,(0,I.m$)(!1))}function d(e,t,r){this.cbTime+=e,t?this.onloadCalled=!0:this.called+=1,this.called!==this.totalCbs||!this.onloadCalled&&"function"==typeof r.onload||"function"!=typeof this.end||this.end(r)}function l(e,t){var r=""+V(e)+!!t;this.xhrGuids&&!this.xhrGuids[r]&&(this.xhrGuids[r]=!0,this.totalCbs+=1)}function f(e,t){var r=""+V(e)+!!t;this.xhrGuids&&this.xhrGuids[r]&&(delete this.xhrGuids[r],this.totalCbs-=1)}function h(){this.endTime=(0,P.z)()}function g(e,r){r instanceof ne&&"load"===e[0]&&t.emit("xhr-load-added",[e[1],e[2]],r)}function m(e,r){r instanceof ne&&"load"===e[0]&&t.emit("xhr-load-removed",[e[1],e[2]],r)}function v(e,t,r){t instanceof ne&&("onload"===r&&(this.onload=!0),("load"===(e[0]&&e[0].type)||this.onload)&&(this.xhrCbStart=(0,P.z)()))}function b(e,r){this.xhrCbStart&&t.emit("xhr-cb-time",[(0,P.z)()-this.xhrCbStart,this.onload,r],r)}function y(e){var t,r=e[1]||{};if("string"==typeof e[0]?0===(t=e[0]).length&&p.il&&(t=""+p._A.location.href):e[0]&&e[0].url?t=e[0].url:p._A?.URL&&e[0]&&e[0]instanceof URL?t=e[0].href:"function"==typeof e[0].toString&&(t=e[0].toString()),"string"==typeof t&&0!==t.length){t&&(this.parsedOrigin=(0,X.e)(t),this.sameOrigin=this.parsedOrigin.sameOrigin);var i=n.generateTracePayload(this.parsedOrigin);if(i&&(i.newrelicHeader||i.traceContextParentHeader))if(e[0]&&e[0].headers)s(e[0].headers,i)&&(this.dt=i);else{var o={};for(var a in r)o[a]=r[a];o.headers=new Headers(r.headers||{}),s(o.headers,i)&&(this.dt=i),e.length>1?e[1]=o:e.push(o)}}function s(e,t){var r=!1;return t.newrelicHeader&&(e.set("newrelic",t.newrelicHeader),r=!0),t.traceContextParentHeader&&(e.set("traceparent",t.traceContextParentHeader),t.traceContextStateHeader&&e.set("tracestate",t.traceContextStateHeader),r=!0),r}}function A(e,t){this.params={},this.metrics={},this.startTime=(0,P.z)(),this.dt=t,e.length>=1&&(this.target=e[0]),e.length>=2&&(this.opts=e[1]);var r,n=this.opts||{},i=this.target;"string"==typeof i?r=i:"object"==typeof i&&i instanceof re?r=i.url:p._A?.URL&&"object"==typeof i&&i instanceof URL&&(r=i.href),oe(this,r);var o=(""+(i&&i instanceof re&&i.method||n.method||"GET")).toUpperCase();this.params.method=o,this.body=n.body,this.txSize=Z(n.body)||0}function w(e,t){if(this.endTime=(0,P.z)(),this.params||(this.params={}),(0,Q.zh)(this.params))return;let n;this.params.status=t?t.status:0,"string"==typeof this.rxSize&&this.rxSize.length>0&&(n=+this.rxSize);const i={txSize:this.txSize,rxSize:n,duration:(0,P.z)()-this.startTime};r("xhr",[this.params,i,this.startTime,this.endTime,"fetch"],this,a.D.ajax)}function E(e){const t=this.params,n=this.metrics;if(!this.ended){this.ended=!0;for(let t=0;t<te;t++)e.removeEventListener(ee[t],this.listener,!1);t.aborted||(0,Q.zh)(t)||(n.duration=(0,P.z)()-this.startTime,this.loadCaptureCalled||4!==e.readyState?null==t.status&&(t.status=0):_(this,e),n.cbTime=this.cbTime,r("xhr",[t,n,this.startTime,this.endTime,"xhr"],this,a.D.ajax))}}function _(e,r){e.params.status=r.status;var n=function(e,t){var r=e.responseType;return"json"===r&&null!==t?t:"arraybuffer"===r||"blob"===r||"json"===r?Z(e.response):"text"===r||""===r||void 0===r?Z(e.responseText):void 0}(r,e.lastSize);if(n&&(e.metrics.rxSize=n),e.sameOrigin){var i=r.getResponseHeader("X-NewRelic-App-Data");i&&((0,N.p)(j.mY,["Ajax/CrossApplicationTracing/Header/Seen"],void 0,a.D.metrics,t),e.params.cat=i.split(", ").pop())}e.loadCaptureCalled=!0}t.on("new-xhr",i),t.on("open-xhr-start",o),t.on("open-xhr-end",c),t.on("send-xhr-start",u),t.on("xhr-cb-time",d),t.on("xhr-load-added",l),t.on("xhr-load-removed",f),t.on("xhr-resolved",h),t.on("addEventListener-end",g),t.on("removeEventListener-end",m),t.on("fn-end",b),t.on("fetch-before-start",y),t.on("fetch-start",A),t.on("fn-start",v),t.on("fetch-done",w)}(e,this.ee,this.handler,this.dt),this.importAggregator()}}function oe(e,t){var r=(0,X.e)(t),n=e.params||e;n.hostname=r.hostname,n.port=r.port,n.protocol=r.protocol,n.host=r.hostname+":"+r.port,n.pathname=r.pathname,e.parsedOrigin=r,e.sameOrigin=r.sameOrigin}var ae=i(3614);const{BST_RESOURCE:se,RESOURCE:ce,START:ue,END:de,FEATURE_NAME:le,FN_END:fe,FN_START:he,PUSH_STATE:pe}=ae;var ge=i(7056);class me extends b{static featureName=t.t9;#i;constructor(e,r){let n,i=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,r,t.t9,i),this.replayRunning=!1;try{n=JSON.parse(localStorage.getItem("".concat(ge.Bq,"_").concat(ge.K4)))}catch(e){}(0,g.Rc)(e)&&this.ee.on("recordReplay",(()=>this.#o())),this.#a(n)?(this.#i=n?.sessionReplayMode,this.#s()):this.importAggregator(),this.ee.on("err",(e=>{this.replayRunning&&(this.errorNoticed=!0,(0,N.p)(t.Ef.ERROR_DURING_REPLAY,[e],void 0,this.featureName,this.ee))})),this.ee.on(t.Ef.REPLAY_RUNNING,(e=>{this.replayRunning=e}))}#a(e){return e&&(e.sessionReplayMode===ge.IK.FULL||e.sessionReplayMode===ge.IK.ERROR)||(0,g.rU)(this.agentIdentifier)}#c=!1;async#s(e){if(!this.#c){this.#c=!0;try{const{Recorder:t}=await Promise.all([i.e(111),i.e(433)]).then(i.bind(i,4345));this.recorder??=new t({mode:this.#i,agentIdentifier:this.agentIdentifier,trigger:e,ee:this.ee}),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording}catch(e){}this.importAggregator({recorder:this.recorder,errorNoticed:this.errorNoticed})}}#o(){this.featAggregate?this.featAggregate.mode!==ge.IK.FULL&&this.featAggregate.initializeRecording(ge.IK.FULL,!0):(this.#i=ge.IK.FULL,this.#s(t.pB.API),this.recorder&&this.recorder.parent.mode!==ge.IK.FULL&&(this.recorder.parent.mode=ge.IK.FULL,this.recorder.stopRecording(),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording))}}var ve=i(6216);class be extends b{static featureName=ve.t9;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];if(super(e,t,ve.t9,r),!p.il||!s.Yu.MO)return;const n=(0,W.QU)(this.ee),i=(0,W.em)(this.ee),o=()=>(0,N.p)("newURL",[(0,P.z)(),""+window.location],void 0,this.featureName,this.ee);n.on("pushState-end",o),n.on("replaceState-end",o);try{this.removeOnAbort=new AbortController}catch(e){}(0,I.bP)("popstate",(e=>(0,N.p)("newURL",[e.timeStamp,""+window.location],void 0,this.featureName,this.ee)),!0,this.removeOnAbort?.signal);let a=!1;const c=new s.Yu.MO(((e,t)=>{a||(a=!0,requestAnimationFrame((()=>{(0,N.p)("newDom",[(0,P.z)()],void 0,this.featureName,this.ee),a=!1})))})),u=(0,v.D)((e=>{(0,N.p)("newUIEvent",[e],void 0,this.featureName,this.ee),c.observe(document.body,{attributes:!0,childList:!0,subtree:!0,characterData:!0})}),100,{leading:!0});i.on("fn-start",(e=>{let[t]=e;ve.sE.includes(t?.type)&&u(t)}));for(let e of ve.sE)document.addEventListener(e,(()=>{}));this.abortHandler=function(){this.removeOnAbort?.abort(),c.disconnect(),this.abortHandler=void 0},this.importAggregator({domObserver:c})}}var ye=i(7836);const{FEATURE_NAME:Ae,START:we,END:Ee,BODY:_e,CB_END:xe,JS_TIME:Re,FETCH:Se,FN_START:Te,CB_START:Ne,FN_END:Oe}=ye;var Ie=i(4649);class De extends b{static featureName=Ie.t;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,Ie.t,r),this.importAggregator()}}new class extends o{constructor(t,r){super(r),p._A?(this.sharedAggregator=new _({agentIdentifier:this.agentIdentifier}),this.features={},(0,S.h5)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(A),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.D.softNav)),(0,d.j)(this,t,t.loaderType||"agent"),this.run()):(0,e.Z)("Failed to initialize the agent. Could not determine the runtime environment.")}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=u(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.p[e.featureName]-a.p[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.D.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.D.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.D.softNav)return;const n=function(e){switch(e){case a.D.ajax:return[a.D.jserrors];case a.D.sessionTrace:return[a.D.ajax,a.D.pageViewEvent];case a.D.sessionReplay:return[a.D.sessionTrace];case a.D.pageViewTiming:return[a.D.pageViewEvent];default:return[]}}(r.featureName);n.every((e=>e in this.features))||(0,e.Z)("".concat(r.featureName," is enabled but one or more dependent features has not been initialized (").concat((0,T.P)(n),"). This may cause unintended consequences or missing data...")),this.features[r.featureName]=new r(this.agentIdentifier,this.sharedAggregator)}))}catch(t){(0,e.Z)("Failed to initialize all enabled instrument classes (agent aborted) -",t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,S.fP)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[ie,A,C,class extends b{static featureName=le;constructor(e,t){super(e,t,le,!(arguments.length>2&&void 0!==arguments[2])||arguments[2]);if(!(0,m.H)(this.agentIdentifier))return void(0,l.o5)(this.agentIdentifier,this.featureName);const r=this.ee;let n;(0,W.QU)(r),this.eventsEE=(0,W.em)(r),this.eventsEE.on(he,(function(e,t){this.bstStart=(0,P.z)()})),this.eventsEE.on(fe,(function(e,t){(0,N.p)("bst",[e[0],t,this.bstStart,(0,P.z)()],void 0,a.D.sessionTrace,r)})),r.on(pe+ue,(function(e){this.time=(0,P.z)(),this.startPath=location.pathname+location.hash})),r.on(pe+de,(function(e){(0,N.p)("bstHist",[location.pathname+location.hash,this.startPath,this.time],void 0,a.D.sessionTrace,r)}));try{n=new PerformanceObserver((e=>{const t=e.getEntries();(0,N.p)(se,[t],void 0,a.D.sessionTrace,r)})),n.observe({type:ce,buffered:!0})}catch(e){}this.importAggregator({resourceObserver:n})}},me,k,De,B,be,class extends b{static featureName=Ae;constructor(e,t){var r;if(super(e,t,Ae,!(arguments.length>2&&void 0!==arguments[2])||arguments[2]),r=this,!p.il)return;try{this.removeOnAbort=new AbortController}catch(e){}let n,i=0;const o=this.ee.get("tracer"),a=(0,W._L)(this.ee),s=(0,W.Lg)(this.ee),c=(0,W.BV)(this.ee),u=(0,W.Kf)(this.ee),d=this.ee.get("events"),l=(0,W.u5)(this.ee),f=(0,W.QU)(this.ee),h=(0,W.Gm)(this.ee);function g(e,t){f.emit("newURL",[""+window.location,t])}function m(){i++,n=window.location.hash,this[Te]=(0,P.z)()}function v(){i--,window.location.hash!==n&&g(0,!0);var e=(0,P.z)();this[Re]=~~this[Re]+e-this[Te],this[Oe]=e}function b(e,t){e.on(t,(function(){this[t]=(0,P.z)()}))}this.ee.on(Te,m),s.on(Ne,m),a.on(Ne,m),this.ee.on(Oe,v),s.on(xe,v),a.on(xe,v),this.ee.on("fn-err",(function(){for(var t=arguments.length,n=new Array(t),i=0;i<t;i++)n[i]=arguments[i];n[2]?.__newrelic?.[e]||(0,N.p)("function-err",[...n],void 0,r.featureName,r.ee)})),this.ee.buffer([Te,Oe,"xhr-resolved"],this.featureName),d.buffer([Te],this.featureName),c.buffer(["setTimeout"+Ee,"clearTimeout"+we,Te],this.featureName),u.buffer([Te,"new-xhr","send-xhr"+we],this.featureName),l.buffer([Se+we,Se+"-done",Se+_e+we,Se+_e+Ee],this.featureName),f.buffer(["newURL"],this.featureName),h.buffer([Te],this.featureName),s.buffer(["propagate",Ne,xe,"executor-err","resolve"+we],this.featureName),o.buffer([Te,"no-"+Te],this.featureName),a.buffer(["new-jsonp","cb-start","jsonp-error","jsonp-end"],this.featureName),b(l,Se+we),b(l,Se+"-done"),b(a,"new-jsonp"),b(a,"jsonp-end"),b(a,"cb-start"),f.on("pushState-end",g),f.on("replaceState-end",g),window.addEventListener("hashchange",g,(0,I.m$)(!0,this.removeOnAbort?.signal)),window.addEventListener("load",g,(0,I.m$)(!0,this.removeOnAbort?.signal)),window.addEventListener("popstate",(function(){g(0,i>1)}),(0,I.m$)(!0,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator()}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}],loaderType:"spa"})})()})(); </script> <title>Current Mortgage Rates: Compare Today's Rates | Bankrate</title><meta name="description" content="Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation."><meta name="Category" content="mortgages"><meta name="pageuuid" content="7bbc87bc-2ecf-4d1f-9c62-c8b78f741dab"><meta name="ContentSrc" content="sb:182784057"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/mortgages/mortgage-rates/"><meta name="robots" content="index, follow"><meta property="og:title" content="Mortgage Rates: Compare Today's Rates | Bankrate"><meta property="og:description" content="Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation."><meta property="og:url" content="https://www.bankrate.com/mortgages/mortgage-rates/"><meta property="og:site_name" content="Bankrate"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Current Mortgage Rates: Compare Today's Rates | Bankrate"><meta name="twitter:description" content="Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation."><script type="application/ld+json">{"@context":"https://schema.org","@type":"WebPage"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is a mortgage and how does it work?","acceptedAnswer":{"@type":"Answer","text":"A mortgage is a loan from a bank or other financial institution that helps a borrower purchase a home. The collateral for the mortgage is the home itself. That means if the borrower doesn’t make monthly payments to the lender and defaults on the loan, the lender can sell the home and recoup its money. A mortgage loan is typically a long-term debt taken out for 30, 20 or 15 years. Over this time (known as the loan’s “term”), you’ll repay both the amount you borrowed as well as the interest charged for the loan. Learn more: What is a mortgage?"}},{"@type":"Question","name":"Should you lock in your mortgage rate?","acceptedAnswer":{"@type":"Answer","text":"A mortgage rate lock guarantees (with a few exceptions) that the interest rate offered to you will remain available for a set period of time. With a lock, you won’t have to worry if market rates go up between the time you find a home, submit an offer and close. Most lenders offer a 30- to 45-day rate lock free of charge. Often, you’ll need to pay a fee to extend the lock period. Some lenders also offer a “float down” option, which allows you to lower your locked rate if prevailing rates fall — though you’ll likely have to pay a fee for this perk, too.Learn more: What is a mortgage rate lock?"}},{"@type":"Question","name":"How much are closing costs on a mortgage?","acceptedAnswer":{"@type":"Answer","text":"The closing costs on a mortgage encompass all of the fees associated with the loan, including the lender’s charges, typically an origination fee often equal to 1 percent of the loan principal and optional points. Closing costs also include third-party fees like the cost of an appraisal and title insurance. All together, these usually run anywhere from 2 percent to 5 percent of the amount you’re borrowing, above and beyond your down payment.Learn more: Mortgage closing costs"}},{"@type":"Question","name":"Who are the best mortgage lenders?","acceptedAnswer":{"@type":"Answer","text":"Depending on your needs, the best mortgage lenders are often the ones that offer the most competitive rates and fees, stellar customer service and convenience.Learn more: Best mortgage lenders in 2024"}}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","name":"Mortgages","item":{"@type":"Thing","url":"https://www.bankrate.com/mortgages/","@id":"https://www.bankrate.com/mortgages/"},"position":1}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Organization","url":"https://www.bankrate.com/","email":"webmaster@bankrate.com","ethicsPolicy":"https://www.bankrate.com/privacy/","foundingDate":"1976","legalName":"Bank Rate LLC","name":"Bank Rate","address":{"@type":"PostalAddress","addressLocality":"New York, NY","postalCode":"10017","streetAddress":"750 3rd Ave, 28th Floor"},"foundingLocation":{"@type":"Place","name":"New York City, New York, U.S."},"logo":{"@type":"ImageObject","url":"https://www.bankrate.com/v2.828.1/img/logo/bankrate-logo-268x60.jpg"}}</script><meta class="swiftype" name="title" data-type="string" content="Current Mortgage Rates: Compare Today's Rates | Bankrate" /><meta class="swiftype" name="description" data-type="text" content="Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation." /><meta class="swiftype" name="url" data-type="enum" content="https://www.bankrate.com/mortgages/mortgage-rates/" /><meta class="swiftype" name="type" data-type="enum" content="rates-results" /><meta class="swiftype" name="category" data-type="string" content="mortgages" /><meta http-equiv="content-language" content="en-US"> <link rel="icon" href="/favicon.ico"> <link rel="preload" href="https://www.bankrate.com/static/fonts/CircularStd-Book.woff2" as="font" crossorigin> <link rel="preload" href="https://www.bankrate.com/static/fonts/CircularStd-Bold.woff2" as="font" crossorigin> <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin> <link rel="preload" as="style" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap"> <link rel="stylesheet" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap" media="print" onload="this.media='all'"> <noscript> <link rel="stylesheet" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap"> </noscript> <script type="module"> document.documentElement.classList.remove('no-js'); </script> <style type="text/css"> .preampjs [data-preamp], .fusejs [data-fuse] { opacity: 0 !important } </style> <script> ! function(co, h, e, s, i, o, n) { var d = 'documentElement'; var a = 'className'; h[d][a] += ' preampjs fusejs'; n.k = e; co._Cohesion = n; co._Preamp = { k: s, start: new Date }; co._Fuse = { k: i }; co._Tagular = { k: o }; [e, s, i, o].map(function(x) { co[x] = co[x] || function() { (co[x].q = co[x].q || []).push([].slice.call(arguments)) } }); var b = function() { var u = h[d][a]; h[d][a] = u.replace(/ ?preampjs| ?fusejs/g, '') }; h.addEventListener('DOMContentLoaded', function() { co.setTimeout(b, 3e3); co._Preamp.docReady = co._Fuse.docReady = !0 }); var z = h.createElement('script'); z.async = 1; z.src = 'https://cohesion.bankrate.com/cohesion/cohesion-latest.min.js?cDomain=.bankrate.com'; z.onerror = function() { var ce = 'error', f = 'function'; for (var o of co[e].q || []) o[0] === ce && typeof o[1] == f && o[1](); co[e] = function(n, cb) { n === ce && typeof cb == f && cb() }; b() }; h.head.appendChild(z); }(window, document, 'cohesion', 'preamp', 'fuse', 'tagular', { tagular: { reinforce: 'https://navi.bankrate.com', display: ['gpt'], apiKey: '89144c93-5662-4fb8-b8eb-0a2140dc52f0', writeKey: 'wk_2HY72DnK7gi69dEoWAHQTskzorW', sourceKey: 'src_1NT28tRM614f69qC61p7Wxy1iJa', apiHost: 'https://beam.bankrate.com/v2/t', experimentalFeatures: { naviEndpoint: 'https://navi.bankrate.com', identify: true, flocEnabled: true }, taggy: { enabled: true }, multiparty: true, useBeacon: true, beamHook: function(event) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ "event": event["@type"], "tagularPayload": event }) }, cookieDomain: 'bankrate.com', domainWhitelist: ["banking.qa.bankrate.com","banking.bankrate.com","compare.qa.bankrate.com","compare.bankrate.com","home-equity.bankrate.com","home-equity.qa.bankrate.com","deposits.bankrate.com","deposits.staging.bankrate.com","mortgage.staging.bankrate.com","mortgage.bankrate.com","www.bankrate.com","qa.bankrate.com","ep.bankrate.com","finance.bankrate.com","homes.bankrate.com","homeloans.bankrate.com","homeloans.qa.bankrate.com","rates.bankrate.com","rates.qa.bankrate.com","cards.bankrate.com","offers.bankrate.com","offers.qa.bankrate.com","loans-offers-widget.bankrate.com","loans-offers-widget.qa.bankrate.com"]}, monarch: { endpoint: 'https://monarch.bankrate.com', simulatedEvents: { enabled: true }, sourceId: '18b02819-56c9-4af5-8780-faf726c1ba86', token: '3cad2546-0519-448d-bfa9-7ac038eb9e46', autoRequest: { enabled: true } } }) </script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/index-Cl020ULl.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/pid-Cquk49fA.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/cookie-Cteq0QiY.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/queryParams-LTW4Z-tQ.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/index-Cl020ULl.js"></script><script> (function(w, d, s, l, i) { w[l] = w[l] || []; w[l].push({ 'gtm.start': new Date().getTime(), event: 'gtm.js' }); var f = d.getElementsByTagName(s)[0], j = d.createElement(s), dl = l != 'dataLayer' ? '&l=' + l : ''; j.async = true; j.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })(window, document, 'script', 'dataLayer', 'GTM-N74D8C'); </script> <link rel="preload" as="style" href="https://www.bankrate.com/v5.1692.0/next/build/assets/app-ClIicdHy.css" /><link rel="stylesheet" href="https://www.bankrate.com/v5.1692.0/next/build/assets/app-ClIicdHy.css" /><style> .above-the-fold-redesign { display: none; } @media (max-width: 62.4375em) { .RateTableHeader-readMore:before { background: linear-gradient(0deg, white 0%, rgba(255, 255, 255, 0) 100%); content: ""; display: block; height: 100%; inset: 0; position: absolute; } .RateTableHeader-readMore.is-active { height: auto; } .RateTableHeader-readMore.is-active:before { background: none; } .RateTableHeader-readMore { height: 5.25em; overflow: hidden; position: relative; } .RateTableHeader-readMoreIcon { transition: transform 0.3s ease-in; transform: rotate(0deg); } .RateTableHeader-readMoreTrigger.is-active .RateTableHeader-readMoreIcon { transform: rotate(-180deg); } } </style> <style> @media (min-width: 62.4375em) { .rate-table-mortgage-container { min-height: 897px } } @media (max-width: 62.4374em) { .rate-table-mortgage-container { min-height: 953px } } </style> <style> .dynamic-presentation .Byline { align-items: center; justify-content: center; } </style> <style> .AskTheExperts { display: flex; flex-direction: column; } .AskTheExperts-panel { display: flex; list-style: none; } .AskTheExperts-panelItem { display: flex; list-style: none; min-width: 260px; flex: 1 0 33.333333%; } .AskTheExperts-panelAuthor { display: flex; align-items: center; flex: 1 0 auto; border-left: 3px; border-style: solid; border-color: transparent; transition-duration: 200ms; transition-property: border-color; transition-timing-function: ease; cursor: pointer; } .AskTheExperts-panelAuthor:hover, .AskTheExperts-panelAuthor:focus-visible { outline: none; border-color: var(--color-blue); } .AskTheExperts-detailsItem { display: flex; flex-direction: column; align-items: flex-start; } .AskTheExperts-detailsAuthor { display: flex; align-items: center; flex-shrink: 0; cursor: pointer; } .AskTheExperts-detailsAuthor:hover .Link, .AskTheExperts-detailsAuthor:focus-visible .Link { text-decoration: underline !important; } .AskTheExperts> :is(h1, h2, h3, h4, h5, h6) { margin-top: 0; } .cursor-default { cursor: default; } </style> <style> .bankrate-insight .mb-0-last-child .wysiwyg> :last-child { margin-bottom: 0; } </style> <style> .Link { --link-color: var(--theme-blue, #0157ff) } .Link--underline { color: inherit; border-bottom: 2px solid var(--link-color); } .Link--underline:hover, .Link--underline:focus { color: var(--link-color); } </style> </head> <body class="" > <noscript><iframe src="//www.googletagmanager.com/ns.html?id=GTM-N74D8C" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <a class="visually-hidden" href="#main-content">Skip to Main Content</a> <header class="SiteNav" data-cy="siteNavHeader" role="banner" aria-label="Use tab key to navigate through the options." x-data="siteNav()" x-ref="siteHeader" x-init="init()" x-on:resize.window="windowResized()" data-js-selector="nav" data-swiftype-index="false"> <div class="SiteNav-bar"> <div class="SiteNav-wrapper"> <a class="SiteNav-logo"href="https://www.bankrate.com/" aria-label="Home" tabindex="0" @keydown.tab="keyDownSiteNavLogo()" x-ref="siteNavLogo" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="0" data-text="Bankrate" data-outcome="send to homepage" > <svg width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 16.31v28.89h-9.92v-52.83h9.25v5.65h.19c3.9-5 9.35-7 15.45-7 12.68 0 22 8 22 22.6v31.58h-9.9z"/> <path d="m300.12 78.16v-8.16h-.18c-3.72 6.29-10.4 9.53-17.93 9.53-15.45 0-28-11.63-28-26.88 0-16.87 12.1-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.18v-7.47h9.85v52.81zm.19-26.31c0-10.29-7.44-18.87-18.4-18.87-9.92 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.57 18.57 0 0 0 18.4-18.6z"/> <path d="m325.11 78.16v-43.75h-7.11v-9.06h7.15v-17.73h9.85v17.73h8.68v9.06h-8.68v43.75z"/> <path d="m356 56.05c2.29 8.76 9.25 14.4 17.36 14.4a17 17 0 0 0 15.06-8.87h9.91a27.08 27.08 0 0 1 -25.41 17.92c-14.87 0-26.92-13.16-26.92-27.27 0-16.68 12.58-28.32 26.6-28.32a26.9 26.9 0 0 1 27.4 27.17 29.4 29.4 0 0 1 -.29 5h-43.71zm34.13-7.62c-.75-9-8.67-15.45-17.16-15.45-8.11 0-16.21 6.39-17 15.45z"/> <path d="m42 39.88a22.68 22.68 0 0 0 -4.89-3.79 18.39 18.39 0 0 0 1.73-2 21 21 0 0 0 4-14 21.57 21.57 0 0 0 -6.2-13.85 22 22 0 0 0 -15.96-6.24h-20.68v79.5h24.34c9.13 0 14.75-4 17.87-7.39a23.6 23.6 0 0 0 6.18-16.11 22.89 22.89 0 0 0 -6.39-16.12zm-21.32-30.61c8.37 0 12.5 5.75 12.88 11.43a11.49 11.49 0 0 1 -9.71 11.93h-14.58v-23.36zm3.65 61h-15.06v-28.37h13.73c11.89 0 16.1 7.6 16.1 14.11-.01 6.84-4.62 14.22-14.77 14.22z"/> <path d="m245.87 25.39c-9.38-.7-13 4-13 4v-4h-9.87v52.77h9.91v-29.64a20.28 20.28 0 0 1 1-6.37c2.14-6.48 9.16-8.56 16-6l4.09-8.7a22.74 22.74 0 0 0 -8.13-2.06z"/> <path d="m173.07 7.62h9.92v70.55h-9.92z"/> <path d="m205.26 78.16-21.88-26.43 19.62-26.38h11.21l-19.31 26.38 22.05 26.43z"/> </g> </svg></a> <nav class="SiteNavCategories" x-ref="siteNavCategories" data-cy="siteNav" role="navigation" aria-label="main" @keydown.esc="() => {closeNav(); $refs.siteNavMenuButton.focus();}"> <ul class="SiteNavCategories-list" :aria-label="isMobile ? 'Use the up and down arrows to navigate through the top-level links. Alternatively, you can press the escape key to close the menu.' : 'Use the right and left arrows to navigate through the top-level links and the up and down arrows to navigate through the submenu tabs. Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub" > <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Checking & savings" data-position="1"> Checking & savings<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="CDs" data-position="2"> CDs<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Money market" data-position="3"> Money market<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/small-business/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2025/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2025" data-outcome="send to link" > Best banks of 2025</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Refinance rates" data-outcome="send to Refinance rates" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="Cash-out refinance rates" data-outcome="send to Cash-out refinance rates" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="30-year refinance rates" data-outcome="send to 30-year refinance rates" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="15-year refinance rates" data-outcome="send to 15-year refinance rates" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link" > Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link" > How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link" > Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="1" data-text="Buying a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Buying a home</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-sell-your-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="2" data-text="Selling a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Selling a home</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - desktop nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-3" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/investing/" data-js-selector="siteNavCategorylink3" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 3, 7);" @keydown.right.prevent="keydownCategory('right', 3, 7);" @keydown.left.prevent="keydownCategory('left', 3, 7);" @keydown.down.prevent="keydownCategory('down', 3, 7);" @keydown.up.prevent="keydownCategory('up', 3, 7);" @keydown.home.prevent="keydownCategory('home', 3, 7);" @keydown.end.prevent="keydownCategory('end', 3, 7);" @keydown.space.prevent="keydownCategory('space', 3, 7);" @keydown.enter.prevent="keydownCategory('enter', 3, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="3" data-text="Investing" data-outcome="send to investing hub" > <span class="SiteNavCategory-label"> Investing</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-investing" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="3" data-text="Investing" data-outcome="open default investing container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="investing-tablist" class="SiteNavSubcategory-categoryTitle"> Investing</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="investing-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Investing" data-position="1"> Investing<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Retirement" data-position="2"> Retirement<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Financial advising" data-position="3"> Financial advising<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/investing/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Investing hub link - mobile nav" data-position="bottom" data-text="Explore all Investing resources" data-outcome="send to link" > Explore all investing resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Investing category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Investing</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare investments</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-investments/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="1" data-text="Best investments" data-outcome="send to Best investments" > Best investments</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-index-funds/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="2" data-text="Best index funds" data-outcome="send to Best index funds" > Best index funds</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-long-term-investments/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="3" data-text="Best long-term investments" data-outcome="send to Best long-term investments" > Best long-term investments</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-short-term-investments/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="4" data-text="Best short-term investments" data-outcome="send to Best short-term investments" > Best short-term investments</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/investing/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="1" data-text="All investing calculators" data-outcome="send to link" > All investing calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/brokerage-reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="2" data-text="Brokerage reviews" data-outcome="send to link" > Brokerage reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/roboadvisor-reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="3" data-text="Robo-advisor reviews" data-outcome="send to link" > Robo-advisor reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/low-risk-investments/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="4" data-text="Low risk investments" data-outcome="send to link" > Low risk investments</a> </li> <li> <a class="SiteNavSecondaryLink" href="/taxes/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="5" data-text="Tax resources" data-outcome="send to link" > Tax resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/investing/passive-income-ideas/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Investing subcategory link" data-position="1" data-text="Passive income ideas" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3cfd293f15/passive-income-ideas-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3cfd293f15/passive-income-ideas-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3cfd293f15/passive-income-ideas-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Passive income ideas</span> <span class="SiteNavFeaturedLink-supportText">26 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/investing/how-to-start-investing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Investing subcategory link" data-position="2" data-text="How to start investing" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start investing</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare plans</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/retirement/best-retirement-plans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="1" data-text="Best retirement plans" data-outcome="send to Best retirement plans" > Best retirement plans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/retirement/best-ira-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="2" data-text="Best IRA accounts" data-outcome="send to Best IRA accounts" > Best IRA accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-roth-ira/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="3" data-text="Best Roth IRA accounts" data-outcome="send to Best Roth IRA accounts" > Best Roth IRA accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/retirement/best-places-to-rollover-401k/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="4" data-text="Best 401(k) rollover options" data-outcome="send to Best 401(k) rollover options" > Best 401(k) rollover options</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/retirement/401-k-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="1" data-text="401(k) calculator" data-outcome="send to link" > 401(k) calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/retirement/retirement-plan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="2" data-text="Retirement plan calculator" data-outcome="send to link" > Retirement plan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/retirement/roth-ira-plan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="3" data-text="Roth IRA calculator" data-outcome="send to link" > Roth IRA calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/retirement/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="4" data-text="All retirement calculators" data-outcome="send to link" > All retirement calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/retirement/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="5" data-text="Retirement resources" data-outcome="send to link" > Retirement resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/retirement/best-and-worst-states-for-retirement/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Retirement subcategory link" data-position="1" data-text="Best & worst states for retirement" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/59a3f533a8/best-worst-states-for-retirement-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/59a3f533a8/best-worst-states-for-retirement-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/59a3f533a8/best-worst-states-for-retirement-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best & worst states for retirement</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/retirement/how-to-save-for-retirement/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Retirement subcategory link" data-position="2" data-text="How to save for retirement" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a6b1dc15ca/how-to-save-for-retirement-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a6b1dc15ca/how-to-save-for-retirement-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a6b1dc15ca/how-to-save-for-retirement-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to save for retirement</span> <span class="SiteNavFeaturedLink-supportText">15 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Finding an advisor</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/financial-advisors/financial-advisor-matching/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Financial advising anchor link" data-position="1" data-text="Find a financial advisor" data-outcome="send to Find a financial advisor" > Find a financial advisor</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/financial-advisors/best-financial-advisors/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Financial advising anchor link" data-position="2" data-text="Best financial advisors" data-outcome="send to Best financial advisors" > Best financial advisors</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/financial-advisors/how-to-choose-a-financial-advisor/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Financial advising anchor link" data-position="3" data-text="How to choose a financial advisor" data-outcome="send to How to choose a financial advisor" > How to choose a financial advisor</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/financial-advisors/financial-advisor-vs-financial-planner/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Financial advising anchor link" data-position="4" data-text="Financial planner vs advisor" data-outcome="send to Financial planner vs advisor" > Financial planner vs advisor</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/what-is-financial-planning/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="1" data-text="What is financial planning?" data-outcome="send to link" > What is financial planning?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/what-is-a-fiduciary/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="2" data-text="What is a fiduciary?" data-outcome="send to link" > What is a fiduciary?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/what-is-a-certified-financial-planner/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="3" data-text="What is a CFP?" data-outcome="send to link" > What is a CFP?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/what-is-wealth-management/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="4" data-text="What is wealth management?" data-outcome="send to link" > What is wealth management?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="5" data-text="Financial advisor resources" data-outcome="send to link" > Financial advisor resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/investing/financial-advisors/when-to-get-a-financial-advisor/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory link" data-position="1" data-text="When to get an advisor" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/1cdbf65950/what-is-wealth-management-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/1cdbf65950/what-is-wealth-management-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/1cdbf65950/what-is-wealth-management-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">When to get an advisor</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/investing/financial-advisors/pros-cons-financial-advisor/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory link" data-position="2" data-text="Pros & cons of financial advising" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Pros & cons of financial advising</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/investing/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Investing hub link - desktop nav" data-position="bottom" data-text="Explore all Investing resources" data-outcome="send to link" > Explore all investing resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-4" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/credit-cards/" data-js-selector="siteNavCategorylink4" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 4, 7);" @keydown.right.prevent="keydownCategory('right', 4, 7);" @keydown.left.prevent="keydownCategory('left', 4, 7);" @keydown.down.prevent="keydownCategory('down', 4, 7);" @keydown.up.prevent="keydownCategory('up', 4, 7);" @keydown.home.prevent="keydownCategory('home', 4, 7);" @keydown.end.prevent="keydownCategory('end', 4, 7);" @keydown.space.prevent="keydownCategory('space', 4, 7);" @keydown.enter.prevent="keydownCategory('enter', 4, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="4" data-text="Credit cards" data-outcome="send to credit cards hub" > <span class="SiteNavCategory-label"> Credit cards</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-credit-cards" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="4" data-text="Credit cards" data-outcome="open default credit cards container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="credit-cards-tablist" class="SiteNavSubcategory-categoryTitle"> Credit cards</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="credit-cards-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Cards by category" data-position="1"> Cards by category<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Cards by credit" data-position="2"> Cards by credit<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Tools & reviews" data-position="3"> Tools & reviews<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Guides & resources" data-position="4"> Guides & resources<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2025" data-outcome="send to Best cards of 2025" > Best cards of 2025</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="1" data-text="Small business loans resources" data-outcome="send to link" > Small business loans resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="2" data-text="Small business loan reviews" data-outcome="send to link" > Small business loan reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/business-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="3" data-text="Small business loan calculator" data-outcome="send to link" > Small business loan calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-do-small-business-loans-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory link" data-position="1" data-text="How small business loans work" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How small business loans work</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-to-get-a-business-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory link" data-position="2" data-text="How to get a business loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a business loan</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - desktop nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-6" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/home-equity/" data-js-selector="siteNavCategorylink6" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 6, 7);" @keydown.right.prevent="keydownCategory('right', 6, 7);" @keydown.left.prevent="keydownCategory('left', 6, 7);" @keydown.down.prevent="keydownCategory('down', 6, 7);" @keydown.up.prevent="keydownCategory('up', 6, 7);" @keydown.home.prevent="keydownCategory('home', 6, 7);" @keydown.end.prevent="keydownCategory('end', 6, 7);" @keydown.space.prevent="keydownCategory('space', 6, 7);" @keydown.enter.prevent="keydownCategory('enter', 6, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="6" data-text="Home equity" data-outcome="send to home equity hub" > <span class="SiteNavCategory-label"> Home equity</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-home-equity" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="6" data-text="Home equity" data-outcome="open default home equity container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="home-equity-tablist" class="SiteNavSubcategory-categoryTitle"> Home equity</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="home-equity-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="HELOC" data-position="1"> HELOC<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Home equity loans" data-position="2"> Home equity loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - desktop nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-7" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/insurance/" data-js-selector="siteNavCategorylink7" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 7, 7);" @keydown.right.prevent="keydownCategory('right', 7, 7);" @keydown.left.prevent="keydownCategory('left', 7, 7);" @keydown.down.prevent="keydownCategory('down', 7, 7);" @keydown.up.prevent="keydownCategory('up', 7, 7);" @keydown.home.prevent="keydownCategory('home', 7, 7);" @keydown.end.prevent="keydownCategory('end', 7, 7);" @keydown.space.prevent="keydownCategory('space', 7, 7);" @keydown.enter.prevent="keydownCategory('enter', 7, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="7" data-text="Insurance" data-outcome="send to insurance hub" > <span class="SiteNavCategory-label"> Insurance</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-insurance" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="7" data-text="Insurance" data-outcome="open default insurance container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="insurance-tablist" class="SiteNavSubcategory-categoryTitle"> Insurance</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="insurance-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto insurance" data-position="1"> Auto insurance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Home insurance" data-position="2"> Home insurance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Life insurance" data-position="3"> Life insurance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/insurance/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Insurance hub link - mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="4" data-text="Citizens insurance review" data-outcome="send to link" > Citizens insurance review</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/homeowners-insurance/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory link" data-position="1" data-text="Home insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/homeowners-insurance/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory link" data-position="2" data-text="Home insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about home insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare companies </p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/life-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much does life insurance cost?</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/best-life-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best life insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/life-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Life insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/cheap-life-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest life insurance companies</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/globe-life/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="1" data-text="Globe Life insurance review" data-outcome="send to link" > Globe Life insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/colonial-penn/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="2" data-text="Colonial Penn insurance review" data-outcome="send to link" > Colonial Penn insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/ladder-life-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="3" data-text="Ladder life insurance review" data-outcome="send to link" > Ladder life insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/ethos/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="4" data-text="Ethos life insurance review" data-outcome="send to link" > Ethos life insurance review</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/life-insurance/life-insurance-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory link" data-position="1" data-text="Life insurance calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Life insurance calculator</span> <span class="SiteNavFeaturedLink-supportText">How much do you need?</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/life-insurance/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory link" data-position="2" data-text="Life insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Life insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about life insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/insurance/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Insurance hub link - desktop nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> </ul> <svg class="SiteNav-logo--mobile" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 16.31v28.89h-9.92v-52.83h9.25v5.65h.19c3.9-5 9.35-7 15.45-7 12.68 0 22 8 22 22.6v31.58h-9.9z"/> <path d="m300.12 78.16v-8.16h-.18c-3.72 6.29-10.4 9.53-17.93 9.53-15.45 0-28-11.63-28-26.88 0-16.87 12.1-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.18v-7.47h9.85v52.81zm.19-26.31c0-10.29-7.44-18.87-18.4-18.87-9.92 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.57 18.57 0 0 0 18.4-18.6z"/> <path d="m325.11 78.16v-43.75h-7.11v-9.06h7.15v-17.73h9.85v17.73h8.68v9.06h-8.68v43.75z"/> <path d="m356 56.05c2.29 8.76 9.25 14.4 17.36 14.4a17 17 0 0 0 15.06-8.87h9.91a27.08 27.08 0 0 1 -25.41 17.92c-14.87 0-26.92-13.16-26.92-27.27 0-16.68 12.58-28.32 26.6-28.32a26.9 26.9 0 0 1 27.4 27.17 29.4 29.4 0 0 1 -.29 5h-43.71zm34.13-7.62c-.75-9-8.67-15.45-17.16-15.45-8.11 0-16.21 6.39-17 15.45z"/> <path d="m42 39.88a22.68 22.68 0 0 0 -4.89-3.79 18.39 18.39 0 0 0 1.73-2 21 21 0 0 0 4-14 21.57 21.57 0 0 0 -6.2-13.85 22 22 0 0 0 -15.96-6.24h-20.68v79.5h24.34c9.13 0 14.75-4 17.87-7.39a23.6 23.6 0 0 0 6.18-16.11 22.89 22.89 0 0 0 -6.39-16.12zm-21.32-30.61c8.37 0 12.5 5.75 12.88 11.43a11.49 11.49 0 0 1 -9.71 11.93h-14.58v-23.36zm3.65 61h-15.06v-28.37h13.73c11.89 0 16.1 7.6 16.1 14.11-.01 6.84-4.62 14.22-14.77 14.22z"/> <path d="m245.87 25.39c-9.38-.7-13 4-13 4v-4h-9.87v52.77h9.91v-29.64a20.28 20.28 0 0 1 1-6.37c2.14-6.48 9.16-8.56 16-6l4.09-8.7a22.74 22.74 0 0 0 -8.13-2.06z"/> <path d="m173.07 7.62h9.92v70.55h-9.92z"/> <path d="m205.26 78.16-21.88-26.43 19.62-26.38h11.21l-19.31 26.38 22.05 26.43z"/> </g> </svg></nav> <div class="SiteNav-rightLinks"> <button @click="toggleSearch" x-ref="siteNavSearchButton" class="SiteNavSearch" :class="{ 'is-active': isSearchOpen }" :aria-label="(isSearchOpen ? 'Close search modal' : 'Open search modal') + (!isMobile ? ' or press the home key to return to the main menu' : '')" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="search" data-position="top" data-text="open search" data-outcome="link to search" tabindex="0" @keydown.shift.tab="isMobile && ($event.preventDefault() || $refs.siteNavLogo.focus())" @keydown.home.prevent="!isMobile && document.body.querySelector('[data-js-selector=siteNavCategorylink1]').focus()"> <svg class="Icon Icon--sm SiteNavSearch-magnifyingGlass" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Search Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M10.312 1.5C5.702 1.5 2 5.28 2 10c0 4.72 3.703 8.5 8.312 8.5a8.18 8.18 0 0 0 4.648-1.44l4.947 5.11c.428.44 1.125.44 1.553 0l.219-.22c.428-.38.428-1.1 0-1.54l-4.917-5.03A8.611 8.611 0 0 0 18.623 10c0-4.72-3.753-8.5-8.311-8.5Zm0 2.19c3.374 0 6.161 2.85 6.161 6.31 0 3.46-2.787 6.31-6.161 6.31-3.375 0-6.162-2.85-6.162-6.31 0-3.46 2.737-6.31 6.162-6.31Z" class="icon-base"/></svg><svg class="Icon Icon--xs SiteNavSearch-xButton" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></button> <button id="SiteNavMenuButton" x-ref="siteNavMenuButton" @click="toggleNav" class="SiteNav-hamburger" tabindex="0" :aria-label="isNavOpen ? 'Close menu' : 'Open menu'" @keydown.shift.tab.prevent="$refs.siteNavSearchButton.focus()" @keydown.tab="keydownMenuButton" @keydown.right="keydownMenuButton" @keydown.down="keydownMenuButton" @keydown.esc="isNavOpen && closeNav()" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="hamburger menu" data-position="top" data-text="toggle hamburger menu" data-outcome="toggle hamburger menu" > <div class="SiteNav-hamburgerBars"></div> </button> </div> </div> <div class="SiteNav-overlay" x-ref="siteNavOverlayHeader" @click="closeNav" :class="{ 'is-active': isNavOpen }"></div> </div> <div class="SiteNav-overlay" x-ref="siteNavOverlay" @click="closeNav" :class="{ 'is-active': isNavOpen }"></div> <div class="SiteNavSearch-container" :class="{ 'is-active': isSearchOpen }" data-js-selector="global-search-filter" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="search flyout" data-position="top" data-text="open search flyout" data-outcome="open search flyout container" > <form class="SiteNavSearch-form" name="search bar" type="search" action="https://www.bankrate.com/search/"> <div> <div> <input type="text" id="siteSearchInput" x-ref="siteSearchInput" x-trap="(isSearchOpen && $refs.siteSearchInput.focus() === false)" @keydown.shift.tab="toggleSearch()" @keydown.esc="toggleSearch()" class="FormInput SiteNavSearch-input" name="q" placeholder="What can we help you find?" value="" autocomplete="off" aria-label="Search Bankrate" data-beam-field-inputted-no-pii data-label="Search Bankrate" :tabindex="isSearchOpen ? 0 : -1"> </div> <div> <button type="submit" class="SiteNavSearch-submit" data-js-selector="nav-search-submit-btn" :tabindex="isSearchOpen ? 0 : -1"> <span class="visually-hidden">Submit</span> <svg class="Icon Icon--sm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Search Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M10.312 1.5C5.702 1.5 2 5.28 2 10c0 4.72 3.703 8.5 8.312 8.5a8.18 8.18 0 0 0 4.648-1.44l4.947 5.11c.428.44 1.125.44 1.553 0l.219-.22c.428-.38.428-1.1 0-1.54l-4.917-5.03A8.611 8.611 0 0 0 18.623 10c0-4.72-3.753-8.5-8.311-8.5Zm0 2.19c3.374 0 6.161 2.85 6.161 6.31 0 3.46-2.787 6.31-6.161 6.31-3.375 0-6.162-2.85-6.162-6.31 0-3.46 2.737-6.31 6.162-6.31Z" class="icon-base"/></svg></button> </div> </div> </form> </div> </header> <div id="preamp-after-nav-placement"></div> <div data-monarch-slot="afterNavigationSlot" data-content-strategy="append"></div> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/siteNav-1CzMPlbm.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/siteNav-1CzMPlbm.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/legacyNavBinding-CTP0_v7I.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/bindings-ayichnEY.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/legacyNavBinding-CTP0_v7I.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/web-vitals-CNPlK9eZ.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/web-vitals-CNPlK9eZ.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/monarch-Ynma6bbP.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/monarch-Ynma6bbP.js"></script><div id="main-content"> <main> <div class="dynamic-presentation" x-data="dynamicPresentation( 'main-dynamic-presentation')"> <div class="gutter pb-1 bg-blue-dark" id="headline"> <h1 class="type-heading-one font-extrabold wrapper text-crop-none text-center pt-4 sm:pt-8 text-white"> Compare current mortgage rates for today</h1> </div> <div x-show="$store.dynamicPresentations.components['main-dynamic-presentation']"> <div data-pre="v1-main" id="hero" class="MortgagePre pb-4" data-per-ver="3" data-toggle="container" x-data="mortgagePreV3" x-init="$nextTick( () => { if (new URLSearchParams(window.location.search).get('disablePre')) { document.getElementById('skip-and-show-rates') .dispatchEvent(new MouseEvent('click')); } })"> <div class="gutter bg-blue-dark"> <div class="wrapper"> <div class="display-flex flex-wrap align-items-center justify-content-center"> <div class="display-flex flex-direction-column md:flex-direction-row md:align-items-center"> <div data-cy="byline" x-data="{ expanded: false }" class="Byline display-flex flex-wrap gap-y-4 flex-direction-column sm:flex-direction-row sm:align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="eager" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('KuvHad')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-KuvHad" aria-controls="tooltip-content-KuvHad" x-bind="trigger"> Jeff Ostrowski</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-KuvHad" aria-hidden="true" aria-labelledby="tooltip-trigger-KuvHad" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone text-black"> Jeff Ostrowski</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Principal Writer, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgages</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgage refinancing</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he spent more than 20 years writing about real estate, business, the economy and politics.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/bio561" target="_blank" rel="nofollow" aria-label="Connect with Jeff Ostrowski on Twitter" data-beam-element-clicked id="author_bio_jeff_ostrowski_twitter_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jeff-ostrowski-920b582/" target="_blank" rel="nofollow" aria-label="Connect with Jeff Ostrowski on LinkedIn" data-beam-element-clicked id="author_bio_jeff_ostrowski_linkedin_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="mailto:jostrowski" target="_blank" rel="nofollow" aria-label="Get in contact with Jeff Ostrowski via Email" data-beam-element-clicked id="author_bio_jeff_ostrowski_email_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Email Envelope Icon</title><path d="M7.463 22.403h12.6c1.244 0 2.097-.244 2.602-.748.574-.566.835-1.584.835-3.203V8.96C23.5 5.966 22.656 5 20.037 5H7.463C4.844 5 4 5.966 4 8.96v9.492c0 1.619.27 2.637.835 3.203.505.504 1.358.748 2.602.748h.026Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M17.949 21.512H6.051c-1.558 0-2.632-.345-3.378-1.09-.812-.813-1.173-2.026-1.173-3.945V7.531c0-3.534 1.37-5.043 4.576-5.043h11.848c4.027 0 4.576 2.55 4.576 5.043v8.946c0 1.919-.36 3.14-1.173 3.944-.746.747-1.82 1.09-3.378 1.09ZM6.076 20.2h11.873c1.173 0 1.976-.23 2.452-.705.541-.533.787-1.493.787-3.018V7.531c0-2.82-.795-3.73-3.264-3.73H6.076c-2.469 0-3.264.91-3.264 3.73v8.946c0 1.525.254 2.485.787 3.018.476.475 1.28.705 2.452.705h.025Zm5.944-6.872c-.64 0-1.28-.213-1.812-.64l-.361-.29L6.69 15.82a.66.66 0 0 1-.927.041.66.66 0 0 1-.041-.926l3.1-3.364L5.797 9.13a.653.653 0 1 1 .82-1.017l3.49 2.815a.64.64 0 0 1 .157.127l.765.617c.582.467 1.41.467 1.992 0l.794-.646a.67.67 0 0 1 .082-.066l3.487-2.839a.655.655 0 0 1 .927.099.655.655 0 0 1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Jeff Ostrowski</a> </div> </span> <div class="display-block ml-2 sm:display-none"> <button @click="expanded = !expanded" aria-expanded="false" class="Button Button--bare font-circular-bold display-inline-flex align-items-center Byline-text text-white trsy-text-[--text-color] text-base" style="--text-color: var(--color-white);"> + 2 others<span :style="expanded ? 'rotate: -180deg;' : 'rotate: 0deg;'" style="transform-origin: 50% 56%" class="Icon Icon--xs mx-1 text-blue trsy-text-[--text-color] text-base" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> </div> <div x-ref="container1" x-cloak :class="expanded ? 'display-flex' : 'display-none'" class="flex-direction-column -mt-1 gap-1 mb-2 sm:display-none"> <div class="Byline-user"> <img srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="eager" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('6CgJ7U')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-6CgJ7U" aria-controls="tooltip-content-6CgJ7U" x-bind="trigger"> Laurie Richards</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-6CgJ7U" aria-hidden="true" aria-labelledby="tooltip-trigger-6CgJ7U" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone text-black"> Laurie Richards</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homebuying</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> First-time homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 6 years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Laurie Richards is a mortgage editor on Bankrate’s Home Lending team.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/laurie-dupnock-richards-1858a216b/" target="_blank" rel="nofollow" aria-label="Connect with Laurie Richards on LinkedIn" data-beam-element-clicked id="author_bio_laurie_richards_linkedin_icon" data-type="icon" data-location="author_bio_laurie_richards" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Laurie Richards</a> </div> </span> </div> <div class="Byline-user md:ml-3"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="eager" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('NCbtnu')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-NCbtnu" aria-controls="tooltip-content-NCbtnu" x-bind="trigger"> Greg McBride, CFA</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-NCbtnu" aria-hidden="true" aria-labelledby="tooltip-trigger-NCbtnu" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone text-black"> Greg McBride, CFA</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Chief financial analyst, Personal Finance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Investing</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 26 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/BankrateGreg" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on Twitter" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_twitter_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/greg-mcbride-cfa-6102106" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on LinkedIn" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_linkedin_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="mailto:gmcbride@bankrate.com" target="_blank" rel="nofollow" aria-label="Get in contact with Greg McBride, CFA via Email" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_email_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Email Envelope Icon</title><path d="M7.463 22.403h12.6c1.244 0 2.097-.244 2.602-.748.574-.566.835-1.584.835-3.203V8.96C23.5 5.966 22.656 5 20.037 5H7.463C4.844 5 4 5.966 4 8.96v9.492c0 1.619.27 2.637.835 3.203.505.504 1.358.748 2.602.748h.026Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M17.949 21.512H6.051c-1.558 0-2.632-.345-3.378-1.09-.812-.813-1.173-2.026-1.173-3.945V7.531c0-3.534 1.37-5.043 4.576-5.043h11.848c4.027 0 4.576 2.55 4.576 5.043v8.946c0 1.919-.36 3.14-1.173 3.944-.746.747-1.82 1.09-3.378 1.09ZM6.076 20.2h11.873c1.173 0 1.976-.23 2.452-.705.541-.533.787-1.493.787-3.018V7.531c0-2.82-.795-3.73-3.264-3.73H6.076c-2.469 0-3.264.91-3.264 3.73v8.946c0 1.525.254 2.485.787 3.018.476.475 1.28.705 2.452.705h.025Zm5.944-6.872c-.64 0-1.28-.213-1.812-.64l-.361-.29L6.69 15.82a.66.66 0 0 1-.927.041.66.66 0 0 1-.041-.926l3.1-3.364L5.797 9.13a.653.653 0 1 1 .82-1.017l3.49 2.815a.64.64 0 0 1 .157.127l.765.617c.582.467 1.41.467 1.992 0l.794-.646a.67.67 0 0 1 .082-.066l3.487-2.839a.655.655 0 0 1 .927.099.655.655 0 0 1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Greg McBride, CFA</a> </div> </span> </div> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="eager" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('DrqbOx')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-DrqbOx" aria-controls="tooltip-content-DrqbOx" x-bind="trigger"> Laurie Richards</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-DrqbOx" aria-hidden="true" aria-labelledby="tooltip-trigger-DrqbOx" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone text-black"> Laurie Richards</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homebuying</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> First-time homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 6 years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Laurie Richards is a mortgage editor on Bankrate’s Home Lending team.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/laurie-dupnock-richards-1858a216b/" target="_blank" rel="nofollow" aria-label="Connect with Laurie Richards on LinkedIn" data-beam-element-clicked id="author_bio_laurie_richards_linkedin_icon" data-type="icon" data-location="author_bio_laurie_richards" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Laurie Richards</a> </div> </span> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="eager" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('y2Snfc')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-y2Snfc" aria-controls="tooltip-content-y2Snfc" x-bind="trigger"> Greg McBride, CFA</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-y2Snfc" aria-hidden="true" aria-labelledby="tooltip-trigger-y2Snfc" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone text-black"> Greg McBride, CFA</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Chief financial analyst, Personal Finance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Investing</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 26 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/BankrateGreg" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on Twitter" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_twitter_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/greg-mcbride-cfa-6102106" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on LinkedIn" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_linkedin_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="mailto:gmcbride@bankrate.com" target="_blank" rel="nofollow" aria-label="Get in contact with Greg McBride, CFA via Email" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_email_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Email Envelope Icon</title><path d="M7.463 22.403h12.6c1.244 0 2.097-.244 2.602-.748.574-.566.835-1.584.835-3.203V8.96C23.5 5.966 22.656 5 20.037 5H7.463C4.844 5 4 5.966 4 8.96v9.492c0 1.619.27 2.637.835 3.203.505.504 1.358.748 2.602.748h.026Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M17.949 21.512H6.051c-1.558 0-2.632-.345-3.378-1.09-.812-.813-1.173-2.026-1.173-3.945V7.531c0-3.534 1.37-5.043 4.576-5.043h11.848c4.027 0 4.576 2.55 4.576 5.043v8.946c0 1.919-.36 3.14-1.173 3.944-.746.747-1.82 1.09-3.378 1.09ZM6.076 20.2h11.873c1.173 0 1.976-.23 2.452-.705.541-.533.787-1.493.787-3.018V7.531c0-2.82-.795-3.73-3.264-3.73H6.076c-2.469 0-3.264.91-3.264 3.73v8.946c0 1.525.254 2.485.787 3.018.476.475 1.28.705 2.452.705h.025Zm5.944-6.872c-.64 0-1.28-.213-1.812-.64l-.361-.29L6.69 15.82a.66.66 0 0 1-.927.041.66.66 0 0 1-.041-.926l3.1-3.364L5.797 9.13a.653.653 0 1 1 .82-1.017l3.49 2.815a.64.64 0 0 1 .157.127l.765.617c.582.467 1.41.467 1.992 0l.794-.646a.67.67 0 0 1 .082-.066l3.487-2.839a.655.655 0 0 1 .927.099.655.655 0 0 1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Greg McBride, CFA</a> </div> </span> </div> </div> <div class="display-flex text-white trsy-text-[--text-color] justify-content-center" style="--text-color: var(--color-white);"> <div class="ExtendedByline-pipe leading-7 md:ml-7"> <div>Feb. 17, 2025</div></div> <div class="ExtendedByline-pipe ml-7 underline"> <div class="advertiser-disclosure" data-cy="advertiser-disclosure"> <button type="button" class="Button Button--bare type-body-two text-crop-none border-0 text-lavender-200 hover:text-white" data-target="#byline-modal-modal" data-beam-element-clicked id="byline-modal-button" data-type="BUTTON" data-location="hero section" data-name="advertiser disclosure button" data-position="top" data-text="advertiser disclosure" data-outcome="advertiser disclosure modal" > Advertiser Disclosure </button> <div x-data x-init="$nextTick(() => { window.initModal('byline-modal-modal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="byline-modal-modal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="byline-modal-modal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="byline-modal-modal-title"> <div class="p-6 bg-white box-shadow-four rounded-lg max-w-3xl"> <h3 class="type-heading-four mb-8" id="byline-modal-modal-title"> Advertiser Disclosure </h3> <p class="font-circular-bold">You have money questions. Bankrate has answers.</p> <p class="type-body-one text-slate"> Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. </p> <p class="type-body-one text-slate"> <a href="https://www.bankrate.com/about/" class="Link Link--standalone">Bankrate</a> is an independent, advertising-supported publisher and comparison service. We are <a href="https://www.bankrate.com/advertising-disclosure/" class="Link Link--standalone">compensated</a> in exchange for placement of sponsored products and services, or when you click on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. However, this compensation in no way affects Bankrate’s news coverage, recommendations or advice as we adhere to strict <a href="https://www.bankrate.com/editorial-guidelines/" class="Link Link--standalone">editorial guidelines</a>. </p> <p class="type-body-one text-slate"> Our advertisers do not compensate us for favorable reviews or recommendations. Our site has comprehensive free listings and information for a variety of financial services from mortgages to banking to insurance, but we don’t include every product in the marketplace. In addition, though we strive to make our listings as current as possible, check with the individual providers for the latest information. </p> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="byline-modal-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </div> </div> </div> </div> <div class="MortgagePre--content-wrapper wrapper pt-8 pb-4 md:pt-8"> <div class=" display-none"> <svg width="100%" height="100%" viewBox="0 0 1280 475" fill="none" xmlns="http://www.w3.org/2000/svg" preserveAspectRatio="none"> <title>curved background image</title> <rect width="100%" height="475" fill="url(#paint0_linear)"/> <path transform="translate(0, -150)" d="M-2 280C288 280 453 555 792 474C1131 393 1229 233 1445 233" stroke="#0157FF" stroke-width="8" stroke-linecap="round" stroke-dasharray="24 30"/> <defs> <linearGradient id="paint0_linear" x1="720" y1="200.663" x2="720" y2="561.122" gradientUnits="userSpaceOnUse"> <stop stop-color="white"/> <stop offset="1" stop-color="#F3F4F8"/> </linearGradient> </defs> </svg> </div> <div class="MortgagePre--main-cta"> <div id="pre-loantype" class="EntryContainer text-center mt-0 h-full"> <div class="entry__mixed-intent-v3 display-flex align-items-center justify-content-center bg-white py-8 px-8 h-full border border-gray-light rounded"> <div> <p id="pre-qn-loantype" class="mixed-intent-header type-heading-three" data-tracking-id="v3-pre-qn-loantype">What type of home loan are you looking for?</p> <div id="pre-loantype-no-fixed-seccion" class="cta-group display-grid grid-cols-1 gap-2 md:grid-cols-3 md:gap-6 mx-auto"> <div> <button id="mixed-intent-purchase" @click="mortgagePreSubmit('Purchase')" data-tracking-id="v3-pre-cta-purchase" class="Button Button--primary" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="button" data-location="PRE" data-name="Loan Type" data-position="top" data-text="Purchase" > Purchase </button> </div> <div> <button id="mixed-intent-refinance" @click="mortgagePreSubmit('Refinance')" data-tracking-id="v3-pre-cta-refinance" class="Button Button--primary" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="button" data-location="PRE" data-name="Loan Type" data-position="top" data-text="Refinance" > Refinance </button> </div> <div> <button id="skip-and-show-rates" @click="mortgagePreSubmit()" data-tracking-id="v3-pre-cta-browsing" class="Button Button--primary view-rates" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="button" data-location="PRE" data-name="Loan Type" data-position="top" data-text="View all rates" > View all rates </button> </div> </div> <div id="pre-loantype-mobile" class="EntryContainer--menu text-center" data-tracking-id="v3-pre-loantype-mobile" data-beam-element-viewed data-type="sticky banner" data-location="PRE" data-name="PurchaseRefi" data-position="bottom" data-text="What type of loan are you looking for?" > <div class="wrapper"> <button data-tracking-id="v3-sticky-pre-close" class="Modal-close w-9 -mt-5" type="button" aria-label="close" @click="mortgagePrePinnedHide()"></button> <div class="entry__mixed-intent-v3 center-content bg-white py-8 px-8 md:px-2 md:py-16 md:px-32"> <div id="pre-loantype-fixed-seccion"> <p class="mixed-intent-header type-heading-three" id="pre-qn-loantype-mobile">What type of loan are you looking for?</p> <div class="display-flex justify-content-center"> <div class="mx-1"> <button id="mixed-intent-purchase-mobile" @click="mortgagePreSubmit('Purchase')" data-tracking-id="v3-sticky-pre-cta-purchase" class="Button Button--primary Button--extraSmall p-3" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="sticky banner" data-location="PRE" data-name="Loan Type" data-position="bottom" data-text="Purchase" > Purchase </button> </div> <div class="mx-1"> <button id="mixed-intent-refinance-mobile" @click="mortgagePreSubmit('Refinance')" data-tracking-id="v3-sticky-pre-cta-refinance" class="Button Button--primary Button--extraSmall p-3" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="sticky banner" data-location="PRE" data-name="Loan Type" data-position="bottom" data-text="Refinance" > Refinance </button> </div> <div class="mx-1"> <button id="skip-and-show-rates-mobile" @click="mortgagePreSubmit()" data-tracking-id="v3-sticky-pre-cta-browsing" class="Button Button--primary Button--extraSmall p-3 view-rates-banner" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="sticky banner" data-location="PRE" data-name="Loan Type" data-position="bottom" data-text="View all rates" > View all rates </button> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="MortgagePre--how-it-works"> <div class="h-full text-center sm:text-left border border-gray-light bg-white "> <p class="how-it-works__title type-heading-six text-center md:text-left uppercase mb-0 p-4 md:border-gray md:border-b">How it works</p> <div class="p-8"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Compare top rates</strong><br>See low rates from over 100+ lenders.</p> <p><strong>Select a lender</strong><br>Get custom quotes in under 2 minutes.</p> <p><strong>See your savings</strong><br>You could take hundreds off your mortgage.</p></div> </div> </div> </div> <div class="MortgagePre--on-page"> <button type="button" class="OnThisPageBar Card bg-white cursor-pointer flex-direction-row px-5 pt-5 pb-4" id="on-this-page-bar" aria-controls="on-this-page-drawer" aria-expanded="false" data-toggle="trigger" data-beam-element-viewed data-type="drawer" data-location="PRE" data-name="On this page" data-position="middle" data-text="On this page" data-beam-element-clicked data-type="drawer" data-location="PRE" data-name="On this page" data-position="middle" data-text="On this page" > <span class="Icon mr-4"> <svg width="32" height="32" viewBox="0 0 32 32" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <title>On this page</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M2.66667 7.99996C4.13943 7.99996 5.33333 6.80605 5.33333 5.33329C5.33333 3.86053 4.13943 2.66663 2.66667 2.66663C1.19391 2.66663 0 3.86053 0 5.33329C0 6.80605 1.19391 7.99996 2.66667 7.99996ZM32 3.99996H8V6.66663H32V3.99996ZM2.66667 18.6666C4.13943 18.6666 5.33333 17.4727 5.33333 16C5.33333 14.5272 4.13943 13.3333 2.66667 13.3333C1.19391 13.3333 0 14.5272 0 16C0 17.4727 1.19391 18.6666 2.66667 18.6666ZM32 14.6666H8V17.3333H32V14.6666ZM5.33333 26.6666C5.33333 28.1394 4.13943 29.3333 2.66667 29.3333C1.19391 29.3333 0 28.1394 0 26.6666C0 25.1939 1.19391 24 2.66667 24C4.13943 24 5.33333 25.1939 5.33333 26.6666ZM8 25.3333H32V28H8V25.3333Z"/> </svg> </span> <span class="text-black font-circular-book mt-0">On this page</span> </button> </div> </div> <div class="wrapper display-none" id="on-this-page-drawer-pre" aria-hidden="false" data-toggle="content"> <div class="pt-4 mt-4 pb-0 gutter md:ml-6 sm:ml-7 ml-3 pl-5 border-blue border-l-4"> <ul id="on-this-page-list-pre" class="OnThisPageListPre ml-4 List--threeColumn List--multiColumnFullMobile text-blue" style="width: fit-content;"> <li class="mb-4 md:w-80"> <a class="Link text-white" data-toc-jumpto="#mortgage-news" href="#mortgage-news">Mortgage news this week</a> </li> <li class="mb-4 md:w-80"> <a class="Link text-white" data-toc-jumpto="#how-to-get-a-mortgage" href="#how-to-get-a-mortgage">How to get the best mortgage rate</a> </li> <li class="mb-4 md:w-80"> <a class="Link text-white" data-toc-jumpto="#mortgage-rate-determined" href="#mortgage-rate-determined">Factors that determine your mortgage rate</a> </li> <li class="mb-4 md:w-80"> <a class="Link text-white" data-toc-jumpto="#mortgage-faqs" href="#mortgage-faqs">Mortgage FAQ</a> </li> <li class="mb-4 md:w-80"> <a class="Link text-white" data-toc-jumpto="#refinance" href="#refinance">How to refinance your current mortgage</a> </li> </ul> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('pre-drawer-modal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="pre-drawer-modal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="pre-drawer-modal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1"> <div class="Modal-content"> <nav class="Modal--nav"> <h3 id="Modal-title" class="Modal--header type-heading-six">ON THIS PAGE</h3> <ul class="list-nav List List--bare type-body-one mb-0 pt-2 vertical-drawer-list"> <li class="mt-4 md:w-80" data-pre-modal data-toc-jumpto="#mortgage-news"> <a class="Link Link--standalone text-black" data-target="#pre-drawer-modal" href="#mortgage-news">Mortgage news this week</a> </li> <li class="mt-4 md:w-80" data-pre-modal data-toc-jumpto="#how-to-get-a-mortgage"> <a class="Link Link--standalone text-black" data-target="#pre-drawer-modal" href="#how-to-get-a-mortgage">How to get the best mortgage rate</a> </li> <li class="mt-4 md:w-80" data-pre-modal data-toc-jumpto="#mortgage-rate-determined"> <a class="Link Link--standalone text-black" data-target="#pre-drawer-modal" href="#mortgage-rate-determined">Factors that determine your mortgage rate</a> </li> <li class="mt-4 md:w-80" data-pre-modal data-toc-jumpto="#mortgage-faqs"> <a class="Link Link--standalone text-black" data-target="#pre-drawer-modal" href="#mortgage-faqs">Mortgage FAQ</a> </li> <li class="mt-4 md:w-80" data-pre-modal data-toc-jumpto="#refinance"> <a class="Link Link--standalone text-black" data-target="#pre-drawer-modal" href="#refinance">How to refinance your current mortgage</a> </li> </ul> </nav> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="pre-drawer-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> <div id="on-this-page-drawer-pre-mobile" class="display-none md:display-none display-flex align-items-center justify-content-space-between px-4 py-2 box-shadow-1 bg-white pos-fixed w-full z-layer-five" style="top: 0;"> <p class="mb-0 type-heading-six"> ON THIS PAGE </p> <button class="Button Button--neutral display-flex align-items-center px-4 py-2 type-body-two" type="button" data-target="#pre-drawer-modal"> Jump to <span class="Icon Icon--xs ml-2"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Menu List Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M3 5.972a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 0Zm17.163.837H8.107a.84.84 0 0 1-.837-.837.84.84 0 0 1 .837-.837h12.056a.84.84 0 0 1 .837.837.84.84 0 0 1-.837.837ZM8.107 12.837h12.056A.84.84 0 0 0 21 12a.84.84 0 0 0-.837-.837H8.107A.84.84 0 0 0 7.27 12c0 .46.376.837.837.837Zm0 6.028h12.056a.84.84 0 0 0 .837-.837.84.84 0 0 0-.837-.837H8.107a.84.84 0 0 0-.837.837c0 .46.376.837.837.837Zm-4.008-5.64a1.099 1.099 0 1 1 0-2.198 1.099 1.099 0 0 1 0 2.198ZM3 18.027a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 0Z" class="icon-base"/></svg></span> </button> </div> </div> </div> <section id="" class="section-wrapper trsy-bg-[--bg-color] bg-transparent py-0 trsy-py-[--py] frame-t frame-t gutter gutter" style="--py: 0rem; --bg-color: var(--color-transparent);"> <div class="wrapper wrapper"> <div data-beam-element-viewed data-type="rate trends graph" data-name="rate trends" data-position="middle" data-text="rate trends pre view" class="mortgage-rate-trends-comparison-chart-v2-background" x-data="monarchExperience('mortgageRateTableRateTrendChart', 'mortgageRateTrendChart')" :class="{ '--v2': data('preV2') }"> <div class="mortgage-rate-trends-comparison-chart-v2 box-shadow-1 bg-white rounded-md md:p-8 p-8 md:pb-10 md:w-4/5 center-content" x-data="mortgageRateTrendsComparisonChartV2(JSON.parse('{\u0022chartId\u0022:\u0022brPreRateTrendsVisualV2\u0022,\u0022seriesData\u0022:{\u0022datasets\u0022:{\u0022national\u0022:{\u0022weekly\u0022:{\u0022conventional\u0022:{\u0022purchase\u0022:{\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.439},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.406},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.314},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.208},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.213},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.251},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.513},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.571},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.743},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.886},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.909},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.904},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.954},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.934},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.813},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.74},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.862},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.012},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.007},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:7.044},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.11},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.051},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.999},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.947},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.931}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.857},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.781},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.615},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.491},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.444},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.51},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.81},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.882},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.045},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.167},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.174},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.183},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.234},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.21},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.125},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.053},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.153},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.323},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.318},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.346},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.392},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.353},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.267},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.22},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.231}],\u002251\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.029},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.971},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.856},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.767},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.742},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.828},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.99},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.051},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.177},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.282},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.331},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.361},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.407},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.574},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.327},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.259},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.388},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.507},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.488},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.464},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.524},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.506},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.432},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.26},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.235}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.224},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.184},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.149},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.05},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.986},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.057},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.327},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.407},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.557},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.735},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.764},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.713},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.772},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.774},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.576},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.536},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.704},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.884},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.848},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.917},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.928},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.864},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.751},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.718},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.704}],\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.881},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.794},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.886},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.807},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.536},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.529},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.806},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.881},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.025},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.171},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.175},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.192},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.22},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.189},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.009},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.991},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.076},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.236},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.244},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.271},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.328},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.279},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.118},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.079},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.125}]},\u0022refinance\u0022:{\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.864},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.794},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.688},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.561},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.465},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.506},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.813},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.917},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.046},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.185},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.194},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.21},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.253},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.222},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.146},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.066},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.17},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.324},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.343},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.358},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.417},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.375},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.278},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.203},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.214}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.414},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.4},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.339},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.214},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.186},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.241},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.518},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.566},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.727},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.898},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.929},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.908},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.953},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.946},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.798},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.745},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.877},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.056},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.04},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:7.066},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.125},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.073},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:7.005},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.935},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.917}],\u002251\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.961},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.91},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.812},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.683},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.658},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.774},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.884},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.932},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.062},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.151},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.232},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.262},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.294},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.448},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.215},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.14},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.275},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.394},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.369},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.326},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.398},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.388},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.319},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.264},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.246}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.27},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.224},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.22},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.129},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.995},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.077},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.334},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.434},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.592},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.77},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.787},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.711},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.796},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.821},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.622},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.582},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.726},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.886},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.88},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.943},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.956},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.884},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.781},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.731},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.705}],\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.905},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.818},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.913},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.839},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.536},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.544},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.802},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.907},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.042},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.191},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.195},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.209},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.245},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.202},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.068},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.04},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.109},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.238},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.301},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.309},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.336},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.283},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.122},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.079},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.101}]}},\u0022jumbo\u0022:{\u0022purchase\u0022:{\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.585},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.554},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.431},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.35},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.376},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.43},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.609},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.67},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.77},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.849},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.932},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.941},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.966},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.953},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.889},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.833},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.907},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.021},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.062},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:7.089},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.139},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.076},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:7.029},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.988},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.991}]},\u0022refinance\u0022:{\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.486},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.431},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.328},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.257},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.293},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.318},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.5},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.566},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.7},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.744},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.827},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.875},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.922},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.873},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.842},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.811},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.858},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.033},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.079},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:7.086},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.129},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.039},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:7.009},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.969},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.947}]}},\u0022fha\u0022:{\u0022purchase\u0022:{\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.488},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.536},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.318},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.35},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.234},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.18},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.508},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.615},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.674},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.842},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.843},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.917},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.917},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.876},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.756},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.766},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.928},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.093},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.173},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:7.116},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.212},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.141},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:7.048},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.876},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.925}]},\u0022refinance\u0022:{\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.596},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.651},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.426},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.476},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.34},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.29},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.624},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.734},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.776},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.908},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.901},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:7.042},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:7.042},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.981},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.852},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.895},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:7.022},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.116},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.199},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:7.128},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.236},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.172},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:7.065},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.886},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.935}]}},\u0022va\u0022:{\u0022purchase\u0022:{\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.593},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.613},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.483},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.476},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.406},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.358},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.63},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.73},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.822},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.879},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.823},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.901},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.958},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.888},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.747},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.767},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.874},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.011},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.01},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.986},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.07},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.055},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.961},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.789},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.833}]},\u0022refinance\u0022:{\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:7.278},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:7.255},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:7.154},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:7.067},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:7.145},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:7.215},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:7.287},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:7.309},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:7.448},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:7.533},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:7.333},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:7.51},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:7.845},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:7.659},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:7.426},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:7.389},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:7.427},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.511},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.599},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:7.572},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.475},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.477},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:7.425},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.772},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.881}]}}},\u0022current\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.439},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.406},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:6.314},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:6.208},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.213},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.251},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.513},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.571},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.743},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.886},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.909},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.904},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.954},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.934},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.813},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.74},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.862},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:7.012},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:7.007},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:7.044},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:7.11},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:7.051},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.999},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.947},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.931}]},\u0022bankrate\u0022:{\u0022weekly\u0022:{\u0022conventional\u0022:{\u0022purchase\u0022:{\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:4.954285714285715},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:4.821428571428572},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.685714285714286},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.624285714285714},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.7214285714285715},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.774285714285714},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.047142857142857},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:4.998571428571428},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.165714285714286},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.317142857142857},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.414285714285714},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.461428571428572},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.255714285714286},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.155714285714285},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:4.961428571428571},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.167142857142857},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.2057142857142855},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.405714285714286},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.36},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.357142857142858},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.418571428571428},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.3500000000000005},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.274285714285715},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.3028571428571425},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.351666666666667}],\u002251\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.327142857142857},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.248571428571428},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.155714285714286},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.095714285714286},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.1499999999999995},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.248571428571429},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.4871428571428575},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.431428571428572},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.5842857142857145},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.7542857142857144},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.78},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.7942857142857145},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.841428571428572},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.7285714285714295},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.6},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.642857142857143},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.78},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.894285714285714},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.822857142857143},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.844285714285714},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.8271428571428565},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.744285714285715},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.774285714285714},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.777142857142857},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.833333333333334}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:4.937142857142858},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:4.85},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.685714285714285},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.724285714285714},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.739999999999999},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.88},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.0771428571428565},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.075714285714286},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.28},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.44},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.397142857142858},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.517142857142858},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.451428571428572},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.351428571428571},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.1657142857142855},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.225714285714285},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.3842857142857135},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.541428571428572},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.451428571428572},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.545714285714285},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.534285714285714},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.47},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.44},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.3428571428571425},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.43}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.494285714285714},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.3742857142857146},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.2214285714285715},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.212857142857143},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.28},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.454285714285715},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.678571428571428},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.68},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.941428571428571},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.232857142857143},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.972857142857143},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.000000000000001},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.957142857142857},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.8028571428571425},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.712857142857143},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.7457142857142856},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.965714285714285},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.1499999999999995},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.1257142857142854},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.180000000000001},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.144285714285714},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.017142857142857},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.932857142857143},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.905714285714287},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.988333333333333}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.78142857142857},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.684285714285714},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.531428571428571},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.502857142857143},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.538571428571428},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.731428571428571},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.954285714285715},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.960000000000001},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.177142857142857},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.32},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.252857142857143},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.304285714285714},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.298571428571429},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.097142857142857},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.001428571428572},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.05},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.244285714285714},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.357142857142858},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.335714285714285},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.468571428571429},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.447142857142857},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.368571428571428},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.298571428571428},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.257142857142857},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.291666666666667}]},\u0022refinance\u0022:{\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.0842857142857145},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.058571428571428},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.792857142857144},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.8342857142857145},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.024285714285714},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.041428571428572},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.322857142857142},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.2214285714285715},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.46},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.474285714285714},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.472857142857143},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.575714285714286},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.615714285714286},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.428571428571429},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.33},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.4157142857142855},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.501428571428571},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.671428571428572},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.6171428571428565},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.67},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.5528571428571425},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.484285714285714},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.3742857142857146},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.355714285714286},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.35}],\u002251\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.378571428571428},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.298571428571428},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.18},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.119999999999999},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.19},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.22},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.412857142857143},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.285714285714286},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.3914285714285715},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.515714285714286},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.534285714285714},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.558571428571428},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.687142857142858},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.548},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.432857142857142},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.517142857142857},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.587142857142857},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.741428571428571},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.68},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.847142857142858},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.96},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.63},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.845999999999999},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.151428571428571},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.158333333333333}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.107142857142857},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:4.958571428571428},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.818571428571428},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.835714285714286},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.878571428571428},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.048571428571429},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.244285714285715},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.227142857142857},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.365714285714286},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.545714285714285},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.475714285714285},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.577142857142857},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.547142857142857},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.361428571428572},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.2214285714285715},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.264285714285714},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.462857142857143},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.61},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.552857142857143},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.66},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.615714285714286},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.538571428571428},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.452857142857144},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.42},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.411666666666667}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.582857142857143},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.46},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.282857142857143},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.312857142857142},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.421428571428572},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.551428571428572},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.84},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.829999999999999},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.008571428571429},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.3028571428571425},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.11},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.1342857142857135},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.118571428571428},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.878571428571428},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.801428571428572},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.8914285714285715},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.0614285714285705},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.1814285714285715},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.154285714285714},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.285714285714286},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.127142857142857},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.05},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.024285714285714},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.015714285714285},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.9350000000000005}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.862857142857143},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.7371428571428575},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.565714285714286},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.558571428571429},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.699999999999999},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.801428571428572},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.068571428571428},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.064285714285714},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.258571428571429},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.441428571428572},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.33},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.385714285714286},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.3757142857142854},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.131428571428572},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.062857142857142},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.148571428571429},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.308571428571429},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.485714285714285},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.385714285714286},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.537142857142857},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.48},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.327142857142857},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.2700000000000005},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.237142857142857},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.3133333333333335}]}},\u0022va\u0022:{\u0022purchase\u0022:{\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:4.9},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.1899999999999995},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.836666666666666},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.618},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.488333333333334},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.529999999999999},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:4.59},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:4.637499999999999},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.0325},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.654},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:4.955},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.376},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.08},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:4.9366666666666665},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:4.936000000000001},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.01},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.366666666666666},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.2299999999999995},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.31},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.275},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.372},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.145},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.24},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.3},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.25}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:4.637142857142858},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:4.415714285714286},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.467142857142857},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.434285714285714},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.44},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.578571428571429},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:4.704285714285714},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:4.7628571428571425},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:4.9071428571428575},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.118571428571429},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.1328571428571435},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.03},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.067142857142857},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:4.821428571428571},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:4.772857142857142},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:4.775714285714286},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:4.9071428571428575},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.125714285714286},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.03},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.145714285714286},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.108571428571429},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:4.998571428571428},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.04},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.148571428571429},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.031666666666667}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.196666666666666},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.21},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.050000000000001},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.0975},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.218},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.154999999999999},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.506000000000001},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.547499999999999},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.734999999999999},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.8966666666666665},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.842},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.365},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.845},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.664},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.6},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.588333333333333},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.793333333333333},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.8149999999999995},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.043333333333333},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.005},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.136666666666667},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.102499999999999},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.915},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.9725},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.315}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.095714285714286},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.045714285714286},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.852857142857143},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.884285714285714},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.901428571428571},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.0285714285714285},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.231428571428571},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.281428571428571},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.487142857142857},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.582857142857143},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.588571428571428},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.598571428571428},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.6814285714285715},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.405714285714287},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.352857142857142},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.408571428571428},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.571428571428571},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.6728571428571435},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.645714285714286},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.825714285714285},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.817142857142858},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.725714285714286},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.675714285714286},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.715714285714285},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.670000000000001}]},\u0022refinance\u0022:{\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:4.976666666666667},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.1499999999999995},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.04},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.093999999999999},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.672499999999999},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.8839999999999995},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.39},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:4.875},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.1466666666666665},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.246666666666667},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.425999999999999},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.868},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:4.9475},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:4.8375},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.36},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.118571428571428},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.603333333333333},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.645},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.25},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.624},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.5},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.375},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.346},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.744999999999999}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.122857142857144},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.014285714285714},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.73},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.932857142857143},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.8},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.885714285714285},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.158571428571428},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.118571428571429},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.265},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.49},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.284285714285715},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.54},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.278333333333333},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.122000000000001},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:4.904285714285715},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.067142857142858},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.23142857142857},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.275714285714286},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.41},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.368},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.46},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.3580000000000005},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.187142857142857},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.3342857142857145},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.198}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.59},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.503333333333334},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.1240000000000006},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.265714285714287},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.351666666666667},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.518571428571428},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.789999999999999},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.9975},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.032500000000001},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.75},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.235},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.0520000000000005},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.88},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.63},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.63},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.765000000000001},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.915},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.88},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.297499999999999},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.3125},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.2},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.083333333333333},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.043333333333333},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.02},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.823333333333333}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.601428571428571},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.597142857142857},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.388571428571429},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.411428571428572},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.445714285714286},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.687142857142857},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.877142857142857},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.932857142857143},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.987142857142857},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.747142857142857},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.877142857142857},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.784285714285715},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.695714285714287},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.531428571428571},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.664285714285715},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.477142857142858},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.7371428571428575},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.982857142857142},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.908571428571428},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.067142857142858},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.952857142857143},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.941428571428571},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.822857142857143},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.7299999999999995},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.734999999999999}]}},\u0022fha\u0022:{\u0022purchase\u0022:{\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.391666666666666},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.08},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.5600000000000005},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.6075},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.678333333333333},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.323333333333334},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:4.942},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:4.970000000000001},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.05},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.365},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.145},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.3500000000000005},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:4.9825},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:4.916666666666667},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.163333333333333},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.0024999999999995},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.021999999999999},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.135000000000001},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.453333333333333},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.356666666666667},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.452},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.268333333333333},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.16},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.025},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.415}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:4.786666666666666},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.1657142857142855},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.604285714285714},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.701428571428572},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.844285714285713},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.85},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.021428571428571},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:4.981428571428572},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.064285714285714},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.272857142857142},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.255714285714285},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.357142857142858},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.347142857142857},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.191428571428572},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:4.954285714285715},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:4.988571428571428},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.171428571428571},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.328333333333333},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.325714285714286},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.507142857142858},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.418571428571428},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.314285714285714},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.213333333333333},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.204285714285714},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.253333333333333}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.453333333333333},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.359999999999999},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.216666666666666},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.3100000000000005},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.1979999999999995},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.626},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.614},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.754},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.9399999999999995},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.398},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.946666666666667},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.017142857142857},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.1025},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.898},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.774285714285714},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.77},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.956666666666666},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.205},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.165},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.128333333333334},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.2219999999999995},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.073333333333333},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.9799999999999995},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.011666666666667},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.925000000000001}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.3828571428571435},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.355714285714286},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.111428571428571},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.052857142857143},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.284285714285715},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.23},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.53},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.518571428571428},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.701428571428571},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.748571428571429},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.757142857142857},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.837142857142857},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.864285714285715},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.717142857142857},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.511428571428572},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.571428571428571},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.79},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.075714285714286},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.961428571428572},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.0285714285714285},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.9242857142857135},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.905714285714286},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.892857142857143},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.867142857142857},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.848333333333334}]},\u0022refinance\u0022:{\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.22},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:4.795},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.15},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.01},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.8325000000000005},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.258},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.458},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.03},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.142},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.355},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.623333333333334},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.253333333333333},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:4.62},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.3},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.416666666666667},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.39},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.4725},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.42},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.286666666666667},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.28},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.536666666666666},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.0649999999999995}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.076666666666666},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:4.983333333333333},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.59},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.79},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.431666666666667},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.4383333333333335},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.41},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.421428571428572},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.462857142857143},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.2266666666666675},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.256666666666667},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.4325},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.566666666666666},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.23},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:4.982857142857143},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.006},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.283333333333333},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.325},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.548571428571428},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.5600000000000005},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.581666666666667},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.645714285714285},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.548333333333334},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.388333333333333},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.37}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.473333333333333},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.916666666666666},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.253333333333334},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.446000000000001},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.640000000000001},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.5649999999999995},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.8149999999999995},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.268},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.875},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.585},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.0925},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.39},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.875},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.008},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.7825},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.981666666666667},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.916666666666667},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.374},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.236},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.166666666666667},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.0275},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.9875},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.952},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.909999999999999}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.652857142857142},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.61},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.474285714285714},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.454285714285715},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.524285714285714},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.795714285714285},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.032857142857143},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.858571428571429},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.241428571428571},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.828571428571428},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.952857142857143},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.021428571428571},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.912857142857143},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.98},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.678571428571429},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.586666666666667},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.847142857142857},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.177142857142857},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.12},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.2871428571428565},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.402857142857143},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.112857142857143},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.988571428571428},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.998571428571428},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.245}]}},\u0022jumbo\u0022:{\u0022purchase\u0022:{\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:4.48},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.88},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:4.75},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:4.75},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.38},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:4.38},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:5.25},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.496666666666667},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:4.99},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.218000000000001},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.137499999999999},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.782},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.489999999999999},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.115},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.485},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.5},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.083333333333333},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.5925},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.096666666666667},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.253333333333333},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.7},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.702500000000001},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.676666666666667},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:5.1850000000000005},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.745},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.6425},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:5.865},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.63},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.2725},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.505},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:5.888},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.702},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:5.695},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:5.832}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.0600000000000005},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.5},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.63},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.38},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.25},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.4399999999999995},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.88},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.63},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.12},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.6},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.63},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.84},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.898571428571429},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.6814285714285715},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.714285714285715},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.89},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.845714285714286},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.067142857142858},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.0371428571428565},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.328571428571428},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.341428571428572},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.365714285714286},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.263999999999999},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.224285714285714},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.385},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.121428571428572},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.9316666666666675},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.241666666666667},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.632000000000001},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.444999999999999},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.316666666666666},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.474285714285714},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.198571428571428},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.251666666666667},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.275},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.496666666666666}]},\u0022refinance\u0022:{\u002210\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:4.37},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:4.12},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:4.5},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:4.62},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.12},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null}],\u002215\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.13},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.6433333333333335},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.04},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.376666666666666},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:4.7475},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:4.49},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.5649999999999995},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:4.5},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:5.6899999999999995},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:5.456666666666667},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:5.75},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:5.25},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:5.166666666666667},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:5.1899999999999995},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:4.75},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.41},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:5.91},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.75},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:5.12},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.13},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:5.876666666666666},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:4.99},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null}],\u002220\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.13},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.3100000000000005},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.84},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:5.5},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.13},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:5.75},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:null},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:null}],\u002230\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:6.311999999999999},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:6.1625},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.821428571428572},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.901666666666666},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:6.075},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:6.106},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:6.158},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:6.196666666666666},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.518},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.5975},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.496666666666667},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.513333333333334},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.663333333333334},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:7.083333333333333},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.473333333333334},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.191428571428571},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.4957142857142856},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.6},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.41},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.505},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.62},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.4875},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.408333333333333},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.37},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.359999999999999}]}}},\u0022current\u0022:[{\u0022x\u0022:\u00222024-09-01\u0022,\u0022y\u0022:5.78142857142857},{\u0022x\u0022:\u00222024-09-08\u0022,\u0022y\u0022:5.684285714285714},{\u0022x\u0022:\u00222024-09-15\u0022,\u0022y\u0022:5.531428571428571},{\u0022x\u0022:\u00222024-09-22\u0022,\u0022y\u0022:5.502857142857143},{\u0022x\u0022:\u00222024-09-29\u0022,\u0022y\u0022:5.538571428571428},{\u0022x\u0022:\u00222024-10-06\u0022,\u0022y\u0022:5.731428571428571},{\u0022x\u0022:\u00222024-10-13\u0022,\u0022y\u0022:5.954285714285715},{\u0022x\u0022:\u00222024-10-20\u0022,\u0022y\u0022:5.960000000000001},{\u0022x\u0022:\u00222024-10-27\u0022,\u0022y\u0022:6.177142857142857},{\u0022x\u0022:\u00222024-11-03\u0022,\u0022y\u0022:6.32},{\u0022x\u0022:\u00222024-11-10\u0022,\u0022y\u0022:6.252857142857143},{\u0022x\u0022:\u00222024-11-17\u0022,\u0022y\u0022:6.304285714285714},{\u0022x\u0022:\u00222024-11-24\u0022,\u0022y\u0022:6.298571428571429},{\u0022x\u0022:\u00222024-12-01\u0022,\u0022y\u0022:6.097142857142857},{\u0022x\u0022:\u00222024-12-08\u0022,\u0022y\u0022:6.001428571428572},{\u0022x\u0022:\u00222024-12-15\u0022,\u0022y\u0022:6.05},{\u0022x\u0022:\u00222024-12-22\u0022,\u0022y\u0022:6.244285714285714},{\u0022x\u0022:\u00222024-12-29\u0022,\u0022y\u0022:6.357142857142858},{\u0022x\u0022:\u00222025-01-05\u0022,\u0022y\u0022:6.335714285714285},{\u0022x\u0022:\u00222025-01-12\u0022,\u0022y\u0022:6.468571428571429},{\u0022x\u0022:\u00222025-01-19\u0022,\u0022y\u0022:6.447142857142857},{\u0022x\u0022:\u00222025-01-26\u0022,\u0022y\u0022:6.368571428571428},{\u0022x\u0022:\u00222025-02-02\u0022,\u0022y\u0022:6.298571428571428},{\u0022x\u0022:\u00222025-02-09\u0022,\u0022y\u0022:6.257142857142857},{\u0022x\u0022:\u00222025-02-16\u0022,\u0022y\u0022:6.291666666666667}]}}},\u0022loanTypes\u0022:[\u0022purchase\u0022,\u0022refinance\u0022],\u0022loanTermAndProductFamily\u0022:[\u002230|conventional\u0022,\u002230|va\u0022,\u002230|fha\u0022,\u002230|jumbo\u0022,\u002220|conventional\u0022,\u002215|conventional\u0022,\u002210|conventional\u0022,\u002251|conventional\u0022],\u0022currentLoanType\u0022:\u0022purchase\u0022,\u0022currentLoanTerm\u0022:\u002230\u0022,\u0022currentProductFamily\u0022:\u0022conventional\u0022,\u0022currentChartRangeOption\u0022:\u00226m\u0022,\u0022chartRangeOptions\u0022:{\u00226m\u0022:{\u0022label\u0022:\u00226 M\u0022,\u0022date\u0022:\u00222024-09-01\u0022},\u00221y\u0022:{\u0022label\u0022:\u00221 Y\u0022,\u0022date\u0022:\u00222024-02-01\u0022},\u00225y\u0022:{\u0022label\u0022:\u00225 Y\u0022,\u0022date\u0022:\u00222020-02-01\u0022},\u002210y\u0022:{\u0022label\u0022:\u002210 Y\u0022,\u0022date\u0022:\u00222015-02-01\u0022},\u0022all\u0022:{\u0022label\u0022:\u0022All\u0022,\u0022date\u0022:\u00221990-01-01\u0022}},\u0022requestToDate\u0022:\u00222025-02-16\u0022,\u0022myChart\u0022:null}'))"> <span class="SimpleCard-eyebrow type-heading-six text-blue uppercase display-block mb-3">COMPARE</span> <h2 class="mb-8"> Top offers on Bankrate vs. national average interest rates<div class="Tooltip" data-tooltip="brPreRateTrendsVisualV2-container" data-tooltip-type="clickable"> <div class="Tooltip-trigger ml-1 clear-left" data-tooltip="trigger" aria-controls="brPreRateTrendsVisualV2-tooltip-icon" data-beam-element-clicked data-type="tooltip" data-location="pre" data-name="rate trends" data-position="middle" data-text="apr tooltip" data-outcome="open" > <span class="Icon Icon--xs text-blue -mt-2"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> <span class="visually-hidden">Hover for more</span> <div id="brPreRateTrendsVisualV2-tooltip-icon" class="Tooltip-content Tooltip-content--aboveTrigger Tooltip-content--anchorCenter w-44 sm:w-48 md:w-64" role="tooltip" data-tooltip="content" aria-hidden="true" style="display: none;"> <div class="Tooltip-body type-body-two"> <div class="Tooltip-arrow"></div> <div> APRs not included. For our most recent APR information, please visit our <button class="Link Button--bare bg-transparent leading-4" @click="ctaSubmit($event)" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" > rate table </button> </div> </div> </div> </div> </div> </h2> <div id="brPreRateTrendsVisualV2Container" class="mb-12"> <div class="border-b border-gray pb-10"> <div id="brPreRateTrendsVisualV2-grid" class="MortgageRateTrends-grid md:display-grid mb-6 md:mb-4"> <div class="MortgageRateTrends-sidebarContainer"> <div class="MortgageRateTrends-sidebar md:pos-absolute display-flex column gap-y-4"> <fieldset> <legend class="FormLabel">Historical timeline</legend> <div class="FormButtonGroup FormButtonGroup--small w-full"> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-6m" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="6 M" name="chart-range-option" type="radio" checked > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-6m"> 6 M</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-1y" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="1 Y" name="chart-range-option" type="radio" > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-1y"> 1 Y</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-5y" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="5 Y" name="chart-range-option" type="radio" > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-5y"> 5 Y</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-10y" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="10 Y" name="chart-range-option" type="radio" > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-10y"> 10 Y</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-all" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="All" name="chart-range-option" type="radio" > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-all"> All</label> </span> </div> </fieldset> <fieldset> <legend class="FormLabel">Loan purpose</legend> <div class="FormButtonGroup FormButtonGroup--small FormButtonGroup--fill"> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-loantype-purchase" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="Purchase" name="loan-type" type="radio" checked > <label class="FormButtonGroup-label px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-loantype-purchase"> Purchase</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-loantype-refinance" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="Refinance" name="loan-type" type="radio" > <label class="FormButtonGroup-label px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-loantype-refinance"> Refinance</label> </span> </div> </fieldset> <div class="FormControl"> <label class="FormLabel" for="brPreRateTrendsVisualV2-LoanTermAndProductFamilyInputSelect">Loan type</label> <select class="FormSelect pl-3 sm:pl-6 text-sm sm:text-base" id="brPreRateTrendsVisualV2-LoanTermAndProductFamilyInputSelect" data-beam-element-clicked data-type="dropdown" data-location="pre" data-name="rate trends" data-position="middle" data-text="loan type" > <option value="30|conventional" selected> 30-year fixed </option> <option value="30|va" > 30-year fixed VA</option> <option value="30|fha" > 30-year fixed FHA</option> <option value="30|jumbo" > 30-year fixed Jumbo</option> <option value="20|conventional" > 20-year fixed </option> <option value="15|conventional" > 15-year fixed </option> <option value="10|conventional" > 10-year fixed </option> <option value="51|conventional" > 5/1 ARM </option> </select> <span class="FormSelect-arrow Icon Icon--xs right-4"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <button class="Button Button--bare type-body-two align-self-flex-start text-blue hover:text-blue-mid" type="button" data-target="ratesMethodologyModal" data-beam-element-clicked data-type="hyperlink" data-location="pre" data-name="rate trends" data-position="middle" data-text="methodology hyperlink" > How our rates are calculated</button> <div x-data x-init="$nextTick(() => { window.initModal('ratesMethodologyModal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="ratesMethodologyModal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="ratesMethodologyModal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1"> <div class="w-full bg-white rounded-lg p-6" style="max-width: 800px;"> <div class="text-slate mb-8"> <div class="wysiwyg display-block w-full has-links"> <h3>How our rates are calculated</h3> <ul> <li>The <strong>national average</strong> is calculated by averaging interest rate information provided by 100-plus lenders nationwide. Compare the national average versus top offers on Bankrate to see how much you can save when shopping on Bankrate.</li> <li> <p>Bankrate <strong>top offers</strong> represent the weekly average interest rate among top offers within our rate table for the loan type and term selected. Use our rate table to view personalized rates from our nationwide marketplace of lenders on Bankrate.</p> </li> </ul></div> </div> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="ratesMethodologyModal" aria-label="close" @click=""></button> </div> </div> </template> </div> <div class="cta-group mb-5 text-center"> <button id="brPreRateTrendsVisualV2-cta" type="button" class="Button Button--primary w-full" style="white-space: nowrap;" @click="ctaSubmit($event)" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="button" data-location="PRE" data-name="Rate Trends" data-position="middle" data-text="See all refinance rates" > <span id="brPreRateTrendsVisualV2-cta-text"> See today's mortgage rates </span> <span class="Icon Icon--xs ml-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </button> </div> </div> </div> <div class="MortgageRateTrends-chartArea"> <div class="display-flex align-items-center justify-content-end gap-x-3"> <div class="display-flex flex-wrap gap-x-4"> <div style="white-space: nowrap"> <span class="display-inline-block w-3 h-3 rounded-full mr-1" style="background: #0041A7;"></span> <span class="text-black text-left text-sm"> Top offers on Bankrate: </span> <strong id="brPreRateTrendsVisualV2-rate-trends-bankrate-average" class="text-black font-circular-bold text-xl"> 6.29% </strong> <div id="tb530e5a5-efea-4255-9f40-82299469a9d6" class="display-none"> <div class="w-64" style="max-width: calc(100vw - 4rem)"> Data for top offers on Bankrate not collected prior to May 2021</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tb530e5a5-efea-4255-9f40-82299469a9d6" role="tooltip" tabIndex="0" data-tippy-placement="bottom-end"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> <div style="white-space: nowrap"> <span class="display-inline-block w-3 h-3 rounded-full mr-1" style="background: #4997FF;"></span> <span class="text-black text-left text-sm"> National average:  </span> <strong id="brPreRateTrendsVisualV2-rate-trends-national-average" class="text-black font-circular-bold text-xl"> 6.93% </strong> </div> </div> <button id="brPreRateTrendsVisualV2-expandChartButton" type="button" class="Button Button--utility display-none align-items-center justify-content-center md:display-flex p-0 w-9 h-9 flex-shrink-0" data-beam-element-clicked data-type="button" data-location="above rate trends chart" data-name="rate trends chart expand toggle" data-text="expand icon" > <span class="Icon w-6 h-6"> <svg class="Icon-glyph MortgageRateTrends-expandIcon" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="currentColor" focusable="false"> <path class="icon-base" fill-rule="evenodd" clip-rule="evenodd" d="M18.0023 6L9.31 6L9.31 4L20.0023 4L20.0023 14.6923L18.0023 14.6923L18.0023 6Z" fill="currentColor"/> <path lass="icon-base" fill-rule="evenodd" clip-rule="evenodd" d="M6 18L14.6923 18L14.6923 20L4 20L4 9.30769L6 9.30769L6 18Z" fill="currentColor"/> <title>Expand</title> </svg> </span> </button> </div> <div class="MortgageRateTrends-chartContainer"> <canvas id="brPreRateTrendsVisualV2Canvas" aria-labelledby="preChartLegend" role="img" class="MortgageRateTrends-chart"></canvas> </div> </div> </div> <div id="brPreRateTrendsVisualV2-comparison-text" class="Alert rounded-none p-4 border-0 box-shadow-none bg-blue-light"> <div class="display-none md:display-block mr-4 md:mt-2 Icon icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Invest Rate Icon</title><path d="M5.768 5.5C4.795 5.5 4 6.255 4 7.184v11.732c0 .93.795 1.684 1.768 1.684h16.464c.973 0 1.768-.755 1.768-1.684V7.184c0-.93-.795-1.684-1.768-1.684H5.768Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M1.5 16.386a3.004 3.004 0 0 0 3.002 3.002c.381 0 .693-.311.693-.692a.694.694 0 0 0-.693-.692 1.621 1.621 0 0 1-1.618-1.618V6.002c0-.89.727-1.618 1.618-1.618h14.995c.892 0 1.619.727 1.619 1.618v5.192c0 .38.311.692.692.692.38 0 .692-.311.692-.692V6.002A3.01 3.01 0 0 0 19.497 3H4.502A3.004 3.004 0 0 0 1.5 6.002v10.384Zm10.505-1.618a.694.694 0 0 1-.693-.692v-.156h-.614a.694.694 0 0 1-.692-.692c0-.38.311-.692.692-.692h1.197a.68.68 0 0 1 .219 0h.47a.32.32 0 1 0 0-.64h-1.16c-.942 0-1.704-.77-1.704-1.705 0-.897.71-1.642 1.592-1.701v-.177c0-.38.312-.692.693-.692.38 0 .692.311.692.692v.173h.614c.38 0 .692.312.692.692 0 .381-.311.693-.692.693h-1.886a.32.32 0 1 0 0 .64h1.16c.942 0 1.704.761 1.704 1.705 0 .905-.702 1.643-1.592 1.7v.16c0 .38-.312.692-.692.692Zm-3.972 6.628a.687.687 0 0 1-.485-1.185l4.024-3.885c.26-.251.666-.26.934-.026l3.366 2.967 4.021-3.954h-1.546a.694.694 0 0 1-.693-.692c0-.38.312-.692.693-.692h3.227c.38 0 .692.311.692.692v3.227c0 .381-.311.693-.692.693a.694.694 0 0 1-.692-.693v-1.566l-4.49 4.422a.694.694 0 0 1-.944.026l-3.366-2.968-3.565 3.444a.702.702 0 0 1-.484.19Z" class="icon-base"/></svg></div> <div class="Alert-text"> <p class="mb-0 text-center md:text-left text-black type-body-one font-thin"> <span id="brPreRateTrendsVisualV2-comparison-line-one"> For the week of <span id="brPreRateTrendsVisualV2-comparison-month-day">February 16th</span>, top offers on Bankrate are <span class="font-black font-circular-bold"><span id="brPreRateTrendsVisualV2-comparison-rate-diff">X</span>% lower</span> than the national average. </span> <span id="brPreRateTrendsVisualV2-comparison-line-two"> On a $340,000 <span id="brPreRateTrendsVisualV2-comparison-loan-term">30</span>-year loan, this translates to <strong class="font-black font-circular-bold">$<span id="brPreRateTrendsVisualV2-comparison-monthly-savings">XXX</span> in annual savings</strong>. </span> </p> </div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3>Today's national mortgage interest rate trends</h3> On Monday, February 17, 2025, the current average interest rate for the benchmark 30-year fixed mortgage is 6.94%, <span class="text-red">up 2 basis points</span> over the last seven days. If you're planning to refinance, the average interest rate for a 30-year fixed refinance is 6.93%, <span class="text-red">rising 3 basis points</span> over the last week. In addition, the average 15-year fixed refinance interest rate is 6.23%, <span class="text-red">rising 3 basis points</span> since the same time last week. For now, the consensus is that mortgage rates will ease down in 2024. Whether you need a mortgage now or plan to get one in the next year or two, it’s crucial to compare offers. Bankrate can connect you with current offers on various types of loans, often well below the national average. We display the lender’s interest rate, APR (rate plus costs) and estimated monthly payment to help you more easily find the best mortgage for your needs. </div> </div> </div> <style> /** .MortgageRateTrends **/ .MortgageRateTrends-grid { grid-template-columns: 324px 2fr; transition: 200ms; position: relative; } .MortgageRateTrends-sidebarContainer { grid-column: 1 / 2; position: relative; } .MortgageRateTrends-sidebar { white-space: nowrap; transition: opacity 200ms ease; opacity: 1; } .MortgageRateTrends-chartArea { grid-column: 2 / 3; z-index: 5; /** 1 above the .FormButtonGroup active state **/ background: white; } .MortgageRateTrends-chartContainer { height: 306px; transition: height 200ms ease; position: relative; } .MortgageRateTrends-chart { position: absolute; right: 0; } .MortgageRateTrends-expandIcon path { transition: 200ms transform ease; } .MortgageRateTrends-grid .MortgageRateTrends-expandIcon path:first-of-type { transform-origin: 16.5px 7.5px; } .MortgageRateTrends-grid .MortgageRateTrends-expandIcon path:last-of-type { transform-origin: 7.5px 16.5px; } /** .MortgageRateTrends-grid.is-expanded **/ .MortgageRateTrends-grid.is-expanded { grid-template-columns: 0 2fr; } .MortgageRateTrends-grid.is-expanded .MortgageRateTrends-sidebar { opacity: 0; } .MortgageRateTrends-grid.is-expanded .MortgageRateTrends-expandIcon path { transform: rotate(180deg); } .MortgageRateTrends-grid.is-expanded .MortgageRateTrends-chartContainer { height: 380px; } /** extras **/ .mortgage-rate-trends-comparison-chart-v2-background { padding-top: 2rem; } @media (min-width: 37.4375em) { .mortgage-rate-trends-comparison-chart-v2-background { background: url('https://www.bankrate.com/v5.1692.0/next/img/mortgage/blurred-rate-table-bg-2.gif?auto=webp') 50% 0 no-repeat #fff; padding-top: 5.5rem; background-size: contain; } } /** * @NOTE: This is needed because the responsive class names for flex-grow aren't in * the correct order in Classy (e.g. .sm:flex-grow-0 won't override .flex-grow) */ @media screen and (min-width: 599px) { .sm\:flex-grow-0 { flex-grow: 0 !important; } } /** * @NOTE: PRE V2 variant * component: https://admin.monarch.cohesionapps.com/content/components/27a0a28d-32ac-4392-a88c-c075a34b6f0c/overview * slot: https://admin.monarch.cohesionapps.com/content/slots/6e67043f-bcb7-4a14-83e2-bfbb16fce304 */ .mortgage-rate-trends-comparison-chart-v2-background.\--v2 { padding-top: 0 !important; margin-top: -3em !important; } .mortgage-rate-trends-comparison-chart-v2-background.\--v2 .mortgage-rate-trends-comparison-chart-v2 { border: #AAC7FE 1px solid !important; /* aka blue-300, but it is not in classy */ width: 100% !important; max-width: 52.75rem; } @media (min-width: 37.4375em) { .mortgage-rate-trends-comparison-chart-v2-background.\--v2 { background: url('https://www.bankrate.com/v5.1692.0/next/img/mortgage/blurred-rate-table-bg-3.jpg?auto=webp&') 50% 0 no-repeat #fff; } } @media (min-width: 70em) { .mortgage-rate-trends-comparison-chart-v2-background.\--v2 .mortgage-rate-trends-comparison-chart-v2 { max-width: 66.5rem; } } </style></div> </section> </div> <div x-show="!$store.dynamicPresentations.components['main-dynamic-presentation']" x-cloak> <section id="" class="section-wrapper trsy-bg-[--bg-color] bg-blue-dark py-0 trsy-py-[--py] gutter gutter" style="--py: 0rem; --bg-color: var(--color-blue-dark);"> <div class="wrapper wrapper"> <div class="mortgage-rate-table-header text-white"> <div class="w-full display-flex flex-direction-column md:flex-direction-row justify-content-center"> <div data-cy="byline" x-data="{ expanded: false }" class="Byline display-flex flex-wrap gap-y-4 align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('v9J1EX')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-v9J1EX" aria-controls="tooltip-content-v9J1EX" x-bind="trigger"> Jeff Ostrowski</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-v9J1EX" aria-hidden="true" aria-labelledby="tooltip-trigger-v9J1EX" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone text-black"> Jeff Ostrowski</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Principal Writer, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgages</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgage refinancing</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he spent more than 20 years writing about real estate, business, the economy and politics.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/bio561" target="_blank" rel="nofollow" aria-label="Connect with Jeff Ostrowski on Twitter" data-beam-element-clicked id="author_bio_jeff_ostrowski_twitter_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jeff-ostrowski-920b582/" target="_blank" rel="nofollow" aria-label="Connect with Jeff Ostrowski on LinkedIn" data-beam-element-clicked id="author_bio_jeff_ostrowski_linkedin_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="mailto:jostrowski" target="_blank" rel="nofollow" aria-label="Get in contact with Jeff Ostrowski via Email" data-beam-element-clicked id="author_bio_jeff_ostrowski_email_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Email Envelope Icon</title><path d="M7.463 22.403h12.6c1.244 0 2.097-.244 2.602-.748.574-.566.835-1.584.835-3.203V8.96C23.5 5.966 22.656 5 20.037 5H7.463C4.844 5 4 5.966 4 8.96v9.492c0 1.619.27 2.637.835 3.203.505.504 1.358.748 2.602.748h.026Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M17.949 21.512H6.051c-1.558 0-2.632-.345-3.378-1.09-.812-.813-1.173-2.026-1.173-3.945V7.531c0-3.534 1.37-5.043 4.576-5.043h11.848c4.027 0 4.576 2.55 4.576 5.043v8.946c0 1.919-.36 3.14-1.173 3.944-.746.747-1.82 1.09-3.378 1.09ZM6.076 20.2h11.873c1.173 0 1.976-.23 2.452-.705.541-.533.787-1.493.787-3.018V7.531c0-2.82-.795-3.73-3.264-3.73H6.076c-2.469 0-3.264.91-3.264 3.73v8.946c0 1.525.254 2.485.787 3.018.476.475 1.28.705 2.452.705h.025Zm5.944-6.872c-.64 0-1.28-.213-1.812-.64l-.361-.29L6.69 15.82a.66.66 0 0 1-.927.041.66.66 0 0 1-.041-.926l3.1-3.364L5.797 9.13a.653.653 0 1 1 .82-1.017l3.49 2.815a.64.64 0 0 1 .157.127l.765.617c.582.467 1.41.467 1.992 0l.794-.646a.67.67 0 0 1 .082-.066l3.487-2.839a.655.655 0 0 1 .927.099.655.655 0 0 1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Jeff Ostrowski</a> </div> </span> </div> <div class="Byline-user "> <img srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('mD3yVl')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-mD3yVl" aria-controls="tooltip-content-mD3yVl" x-bind="trigger"> Laurie Richards</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-mD3yVl" aria-hidden="true" aria-labelledby="tooltip-trigger-mD3yVl" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone text-black"> Laurie Richards</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homebuying</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> First-time homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 6 years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Laurie Richards is a mortgage editor on Bankrate’s Home Lending team.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/laurie-dupnock-richards-1858a216b/" target="_blank" rel="nofollow" aria-label="Connect with Laurie Richards on LinkedIn" data-beam-element-clicked id="author_bio_laurie_richards_linkedin_icon" data-type="icon" data-location="author_bio_laurie_richards" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Laurie Richards</a> </div> </span> </div> <div class="Byline-user "> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('Qljt28')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-Qljt28" aria-controls="tooltip-content-Qljt28" x-bind="trigger"> Greg McBride, CFA</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-Qljt28" aria-hidden="true" aria-labelledby="tooltip-trigger-Qljt28" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone text-black"> Greg McBride, CFA</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Chief financial analyst, Personal Finance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Investing</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 26 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/BankrateGreg" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on Twitter" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_twitter_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/greg-mcbride-cfa-6102106" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on LinkedIn" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_linkedin_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="mailto:gmcbride@bankrate.com" target="_blank" rel="nofollow" aria-label="Get in contact with Greg McBride, CFA via Email" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_email_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Email Envelope Icon</title><path d="M7.463 22.403h12.6c1.244 0 2.097-.244 2.602-.748.574-.566.835-1.584.835-3.203V8.96C23.5 5.966 22.656 5 20.037 5H7.463C4.844 5 4 5.966 4 8.96v9.492c0 1.619.27 2.637.835 3.203.505.504 1.358.748 2.602.748h.026Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M17.949 21.512H6.051c-1.558 0-2.632-.345-3.378-1.09-.812-.813-1.173-2.026-1.173-3.945V7.531c0-3.534 1.37-5.043 4.576-5.043h11.848c4.027 0 4.576 2.55 4.576 5.043v8.946c0 1.919-.36 3.14-1.173 3.944-.746.747-1.82 1.09-3.378 1.09ZM6.076 20.2h11.873c1.173 0 1.976-.23 2.452-.705.541-.533.787-1.493.787-3.018V7.531c0-2.82-.795-3.73-3.264-3.73H6.076c-2.469 0-3.264.91-3.264 3.73v8.946c0 1.525.254 2.485.787 3.018.476.475 1.28.705 2.452.705h.025Zm5.944-6.872c-.64 0-1.28-.213-1.812-.64l-.361-.29L6.69 15.82a.66.66 0 0 1-.927.041.66.66 0 0 1-.041-.926l3.1-3.364L5.797 9.13a.653.653 0 1 1 .82-1.017l3.49 2.815a.64.64 0 0 1 .157.127l.765.617c.582.467 1.41.467 1.992 0l.794-.646a.67.67 0 0 1 .082-.066l3.487-2.839a.655.655 0 0 1 .927.099.655.655 0 0 1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Greg McBride, CFA</a> </div> </span> </div> </div> <div class="display-flex justify-content-start mt-0"> <div class="ExtendedByline-pipe ml-7"> <div class="advertiser-disclosure" data-cy="advertiser-disclosure"> <button type="button" class="display-none md:display-block Button Button--bare type-body-two text-crop-none border-0 text-lavender-200 hover:text-white" data-target="#default-disclosure-modal" data-beam-element-clicked id="default-disclosure-button" data-type="BUTTON" data-location="hero section" data-name="advertiser disclosure button" data-position="top" data-text="advertiser disclosure" data-outcome="advertiser disclosure modal" > Advertiser Disclosure </button> <div x-data x-init="$nextTick(() => { window.initModal('default-disclosure-modal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="default-disclosure-modal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="default-disclosure-modal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="default-disclosure-modal-title"> <div class="p-6 bg-white box-shadow-four rounded-lg max-w-3xl"> <h3 class="type-heading-four mb-8" id="default-disclosure-modal-title"> Advertiser Disclosure </h3> <p> The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear, except where prohibited by law for our mortgage, home equity and other home lending products. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies. </p></div><button data-cy="modalClose" class="Modal-close" type="button" data-target="default-disclosure-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </div> </div> <div class="above-the-fold-legacy pt-2"> <div class="wysiwyg display-block w-full has-links"> <p class="my-4 text-left type-body-one text-base leading-6">On Monday, February 17, 2025, the national average 30-year fixed mortgage APR is 6.99%. The average 15-year fixed mortgage APR is 6.32%, according to Bankrate's latest survey of the nation's largest mortgage lenders.</p></div> </div> <div class="above-the-fold-redesign md:display-none" data-read-more="container"> <div class="RateTableHeader-readMore" id="intro-content" aria-hidden="false" data-read-more="content" style="max-width: 990px"> <div class="wysiwyg display-block w-full has-links"> <p class="my-4 text-left type-body-one text-base leading-6">On Monday, February 17, 2025, the national average 30-year fixed mortgage APR is 6.99%. The average 15-year fixed mortgage APR is 6.32%, according to Bankrate's latest survey of the nation's largest mortgage lenders.</p></div> </div> <button class="RateTableHeader-readMoreTrigger md:display-none Button Button--bare Link type-body-one text-crop-none text-blue font-circular-bold mb-4" aria-controls="intro-content" aria-expanded="false" data-read-more="trigger"> <span data-read-more-text="Read less"> Read more </span> <span class="RateTableHeader-readMoreIcon Button-icon Icon Icon--xs fill-blue display-inline-flex align-items-center ml-1" data-read-more="arrow-indicator"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <p class="type-body-three above-the-fold-legacy"> At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict <a class="Link Link--standalone text-white underline" href="https://www.bankrate.com/editorial-guidelines/">editorial integrity</a>, this post may contain references to products from our partners. Here's an explanation for <a class="Link Link--standalone text-white underline" href="https://www.bankrate.com/advertising-disclosure/">how we make money</a>. </p> </div> <div id="vertical-drawer" class="pb-4"> <div class="border-yellow border-l-4 pl-4"> <button class="Button Button--bare type-heading-six display-flex align-items-center leading-4 text-white" aria-expanded="false" data-beam-element-clicked-no-delay id="" data-type="drawer" data-location="rate table" data-name="On this page" data-position="top" data-text="On this page" data-outcome="open" > ON THIS PAGE<span class="Icon Icon--xs drawer-arrow mx-1" style="transform-origin: 50% 56%"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> <div class="vertical-drawer-body display-none mt-4"> <ul class="List--multiColumnFullMobile text-blue vertical-drawer-list mb-0 sm:List--twoColumn md:List--threeColumn "> <li class="mb-4"> <a class="Link Link--inverted" href="#rate-trends" data-toc-jumpto="#rate-trends" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="National mortgage interest rate trends" data-outcome="INTERNALLINK" > National mortgage interest rate trends</a> </li> <li class="mb-4"> <a class="Link Link--inverted" href="#mortgage-news" data-toc-jumpto="#mortgage-news" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="Mortgage news this week" data-outcome="INTERNALLINK" > Mortgage news this week</a> </li> <li class="mb-4"> <a class="Link Link--inverted" href="#how-to-get-a-mortgage" data-toc-jumpto="#how-to-get-a-mortgage" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="How to get the best mortgage rate" data-outcome="INTERNALLINK" > How to get the best mortgage rate</a> </li> <li class="mb-4"> <a class="Link Link--inverted" href="#mortgage-rate-determined" data-toc-jumpto="#mortgage-rate-determined" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="Factors that determine your mortgage rate" data-outcome="INTERNALLINK" > Factors that determine your mortgage rate</a> </li> <li class="mb-4"> <a class="Link Link--inverted" href="#refinance" data-toc-jumpto="#refinance" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="How to refinance your current mortgage" data-outcome="INTERNALLINK" > How to refinance your current mortgage</a> </li> <li class="mb-4"> <a class="Link Link--inverted" href="#mortgage-faqs" data-toc-jumpto="#mortgage-faqs" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="Mortgage FAQ" data-outcome="INTERNALLINK" > Mortgage FAQ</a> </li> </ul> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('vertical-drawer-modal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="vertical-drawer-modal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="vertical-drawer-modal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1"> <div class="Modal-content"> <nav class="Modal--nav"> <p id="Modal-title" class="Modal--header type-heading-six">ON THIS PAGE</p> <ul class="list-nav List List--bare type-body-one mb-0 pt-2 vertical-drawer-list"> <li class="mt-4" data-toc-jumpto="#rate-trends"> <a class="Link Link--standalone text-black" href="#rate-trends" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="National mortgage interest rate trends" data-outcome="INTERNALLINK" > National mortgage interest rate trends</a> </li> <li class="mt-4" data-toc-jumpto="#mortgage-news"> <a class="Link Link--standalone text-black" href="#mortgage-news" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="Mortgage news this week" data-outcome="INTERNALLINK" > Mortgage news this week</a> </li> <li class="mt-4" data-toc-jumpto="#how-to-get-a-mortgage"> <a class="Link Link--standalone text-black" href="#how-to-get-a-mortgage" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="How to get the best mortgage rate" data-outcome="INTERNALLINK" > How to get the best mortgage rate</a> </li> <li class="mt-4" data-toc-jumpto="#mortgage-rate-determined"> <a class="Link Link--standalone text-black" href="#mortgage-rate-determined" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="Factors that determine your mortgage rate" data-outcome="INTERNALLINK" > Factors that determine your mortgage rate</a> </li> <li class="mt-4" data-toc-jumpto="#refinance"> <a class="Link Link--standalone text-black" href="#refinance" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="How to refinance your current mortgage" data-outcome="INTERNALLINK" > How to refinance your current mortgage</a> </li> <li class="mt-4" data-toc-jumpto="#mortgage-faqs"> <a class="Link Link--standalone text-black" href="#mortgage-faqs" data-beam-element-clicked-no-delay id="" data-type="link" data-location="rate table" data-name="On this page" data-position="top" data-text="Mortgage FAQ" data-outcome="INTERNALLINK" > Mortgage FAQ</a> </li> </ul> </nav> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="vertical-drawer-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> <div id="mobile-vertical-drawer" class="md:display-none" data-position="bottom"> <nav> <h2 class="type-heading-six mb-0">ON THIS PAGE</h2> <button class="Button Button--neutral Button--small md:display-none" type="button" data-target="#vertical-drawer-modal"> Jump to <span class="Icon Icon--xs ml-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Menu List Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M3 5.972a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 0Zm17.163.837H8.107a.84.84 0 0 1-.837-.837.84.84 0 0 1 .837-.837h12.056a.84.84 0 0 1 .837.837.84.84 0 0 1-.837.837ZM8.107 12.837h12.056A.84.84 0 0 0 21 12a.84.84 0 0 0-.837-.837H8.107A.84.84 0 0 0 7.27 12c0 .46.376.837.837.837Zm0 6.028h12.056a.84.84 0 0 0 .837-.837.84.84 0 0 0-.837-.837H8.107a.84.84 0 0 0-.837.837c0 .46.376.837.837.837Zm-4.008-5.64a1.099 1.099 0 1 1 0-2.198 1.099 1.099 0 0 1 0 2.198ZM3 18.027a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 0Z" class="icon-base"/></svg></span> </button> </nav> </div> </div></div> </section> <script> globalThis.locationData = JSON.parse('{\u0022zipCode\u0022:null,\u0022city\u0022:null,\u0022state\u0022:null,\u0022marketId\u0022:null,\u0022stateId\u0022:null,\u0022jumboAmount\u0022:null,\u0022defaultLoanAmounts\u0022:{\u0022purchase\u0022:null,\u0022refinance\u0022:null},\u0022defaultPropertyValue\u0022:{\u0022purchase\u0022:null,\u0022refinance\u0022:null}}'); globalThis.defaultZipCode = 189554; globalThis.displayTargetsByDevice = { desktop: ["desktopRateTable","featuredRateTable"], mobile: ["mobileRateTable","featuredRateTable"]}; globalThis.initialDimensions = { pointsChanged: false, searchChanged: false, mortgageType: 'Purchase', partnerId: 'br3', ttcid: null, zipCode: globalThis.locationData.zipCode ?? globalThis.defaultZipCode, user: { creditScore: 780, veteranStatus: 'NoMilitaryService', hadPriorVaLoan: false, hasVaDisabilities: false, firstTimeHomebuyer: false, quickClosing: false, fha: false, lowUpfrontCosts: false, lowPayment: false}, purchase: { loanTerms: ["30yr","5-1arm","5-6arm"], price: globalThis.locationData ? globalThis.locationData.defaultPropertyValue.purchase : undefined, downPayment: globalThis.locationData ? globalThis.locationData.defaultPropertyValue.purchase - globalThis.locationData.defaultLoanAmounts.purchase : undefined, propertyType: 'SingleFamily', propertyUse: 'PrimaryResidence', points: 'All' }, refinance: { loanTerms: ["30yr","5-1arm","5-6arm"], propertyValue: globalThis.locationData ? globalThis.locationData.defaultPropertyValue.refinance : undefined, loanAmount: globalThis.locationData ? globalThis.locationData.defaultLoanAmounts.refinance : undefined, propertyType: 'SingleFamily', propertyUse: 'PrimaryResidence', cashOutAmount: 0, points: 'All' } }; globalThis.rateTableEnable6Arm = false; globalThis.showStackedOffers = true; globalThis.stackedOfferMinLength = {"Refinance":4,"Purchase":4}; globalThis.hideMobileFiltersClose = false; globalThis.globalDefaultLoanTerms = ["30yr","5-1arm","5-6arm"]; globalThis.useSEOName = false; globalThis.enableNewMortgageRateTableBuild = false; </script> <div class="rate-table-mortgage-container"> <div id="mortgage-rate-table-app"></div></div> </div> </div> <section id="pre-content" class="section-wrapper trsy-bg-[--bg-color] bg-transparent py-0 trsy-py-[--py] frame frame gutter gutter" style="--py: 0rem; --bg-color: var(--color-transparent);"> <div class="wrapper wrapper"> <div class="TwoColumnLayout TwoColumnLayout--reversed SectionWithToc-defaultGap"> <div class="TwoColumnLayout-aside SectionWithToc-toc" > <div class="TableOfContents TOC-track" x-data> <nav aria-label="Content on this page" class="TableOfContents-sidebar display-none md:display-block TOC-container"> <p class="TableOfContents-heading type-heading-six uppercase display-block"> On This Page</p> <ul class="TableOfContents-list List"> <li class="display-none"> <a class="TableOfContents-link" href="#rate-trends" data-toc-jumpto="#rate-trends" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="National mortgage interest rate trends" data-position="1" data-text="National mortgage interest rate trends" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">National mortgage interest rate trends</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#mortgage-news" data-toc-jumpto="#mortgage-news" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Mortgage news this week" data-position="2" data-text="Mortgage news this week" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Mortgage news this week</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#how-to-get-a-mortgage" data-toc-jumpto="#how-to-get-a-mortgage" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="How to get the best mortgage rate" data-position="3" data-text="How to get the best mortgage rate" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">How to get the best mortgage rate</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#mortgage-rate-determined" data-toc-jumpto="#mortgage-rate-determined" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Factors that determine your mortgage rate" data-position="4" data-text="Factors that determine your mortgage rate" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Factors that determine your mortgage rate</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#refinance" data-toc-jumpto="#refinance" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="How to refinance your current mortgage" data-position="5" data-text="How to refinance your current mortgage" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">How to refinance your current mortgage</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#mortgage-faqs" data-toc-jumpto="#mortgage-faqs" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Mortgage FAQ" data-position="6" data-text="Mortgage FAQ" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Mortgage FAQ</span> </a> </li> </ul> </nav> </div></div> <div class="TwoColumnLayout-main SectionWithToc-body SectionWithToc-defaultGap hideTocMobile" data-e2e-monitor=SectionWithToc-body> <div id="rate-trends" class="SectionWithTocItem display-none" > <div class="" x-data="mortgageNationalAverageTrendsChart( JSON.parse('{\u0022chartId\u0022:\u0022brChartMortgage\u0022,\u0022seriesData\u0022:{\u0022labels\u0022:[\u00222024-10-26\u0022,\u00222024-11-02\u0022,\u00222024-11-09\u0022,\u00222024-11-16\u0022,\u00222024-11-23\u0022,\u00222024-11-30\u0022,\u00222024-12-07\u0022,\u00222024-12-14\u0022,\u00222024-12-21\u0022,\u00222024-12-28\u0022,\u00222025-01-04\u0022,\u00222025-01-11\u0022,\u00222025-01-18\u0022,\u00222025-01-25\u0022,\u00222025-02-01\u0022,\u00222025-02-08\u0022],\u0022datasets\u0022:{\u0022conventional\u0022:{\u0022purchase\u0022:{\u002230\u0022:[6.74,6.89,6.91,6.9,6.95,6.93,6.81,6.74,6.86,7.01,7.01,7.04,7.11,7.05,7,6.95],\u002215\u0022:[6.05,6.17,6.17,6.18,6.23,6.21,6.13,6.05,6.15,6.32,6.32,6.35,6.39,6.35,6.27,6.22],\u002210\u0022:[6.03,6.17,6.18,6.19,6.22,6.19,6.01,5.99,6.08,6.24,6.24,6.27,6.33,6.28,6.12,6.08],\u002251\u0022:[6.18,6.28,6.33,6.36,6.41,6.57,6.33,6.26,6.39,6.51,6.49,6.46,6.52,6.51,6.43,6.26]},\u0022refinance\u0022:{\u002230\u0022:[6.73,6.9,6.93,6.91,6.95,6.95,6.8,6.75,6.88,7.06,7.04,7.07,7.13,7.07,7.01,6.94],\u002215\u0022:[6.05,6.19,6.19,6.21,6.25,6.22,6.15,6.07,6.17,6.32,6.34,6.36,6.42,6.38,6.28,6.2],\u002210\u0022:[6.04,6.19,6.2,6.21,6.25,6.2,6.07,6.04,6.11,6.24,6.3,6.31,6.34,6.28,6.12,6.08],\u002251\u0022:[6.06,6.15,6.23,6.26,6.29,6.45,6.22,6.14,6.28,6.39,6.37,6.33,6.4,6.39,6.32,6.26]}}}},\u0022seriesColors\u0022:[\u0022#4898FF\u0022,\u0022#88DD9B\u0022,\u0022#7C64C3\u0022,\u0022#A5D4F4\u0022,\u0022#2B0086\u0022],\u0022borderColors\u0022:[\u0022#A4CCFF\u0022,\u0022#C4EECD\u0022,\u0022#BEB2E1\u0022,\u0022#D2EAFA\u0022,\u0022#9580C3\u0022],\u0022productFamily\u0022:\u0022conventional\u0022,\u0022loanTypes\u0022:[\u0022purchase\u0022,\u0022refinance\u0022],\u0022loanTerms\u0022:[\u002230\u0022,\u002215\u0022,\u002210\u0022,\u002251\u0022],\u0022currentLoanType\u0022:\u0022purchase\u0022,\u0022myChart\u0022:null}'), )"> <div class="mortgage-national-averages-trends-chart"> <h2 class="mb-6"> Weekly national mortgage interest rate trends </h2> <div id="brChartMortgageContainer" class="mb-10" data-beam-element-viewed data-type="Rate Trends" data-location="PRE" data-name="Rate Trends Graph" data-position="middle" data-text="Bankrate Rate Trends" > <div data-tabs="tabs-container"> <ul class="Tabs" data-tabs="tab-list" role="tablist" aria-label="loan-type-tabs"> <li class="Tabs-item" role="presentation"> <button class="Tabs-link is-active" data-tabs="tab" id="brChartMortgage-loantype-purchase" type="button" role="tab" aria-controls="" aria-selected="true" tabindex="0"> Mortgages</button> </li> <li class="Tabs-item" role="presentation"> <button class="Tabs-link" data-tabs="tab" id="brChartMortgage-loantype-refinance" type="button" role="tab" aria-controls="" aria-selected="false" tabindex="-1"> Refinance</button> </li> </ul> </div> <div class="display-grid grid-cols-1 md:grid-cols-3 md:gap-5"> <div class="md:col-span-2 mr-6 mb-6 md:mb-0"> <canvas id="brChartMortgageCanvas" style="height: 300px;"></canvas> </div> <div class="md:col-span-1"> <div class="display-flex align-items-center mb-4"> <p class="type-heading-four mb-0 text-black"> <span id="brChartMortgage-legend-title"> Current mortgage rates </span>  </p> </div> <div id="brChartMortgageChartLegend" class="mb-10"> <table class="Table Table--borderedRows"> <tbody> <tr class="row-national"> <td class="px-2"><span class="bullet" style="background: #4898FF;"></span></td> <td class="series-name type-body-one py-3 p-0 text-slate text-left" id="brChartMortgage-label-30"> 30 year fixed</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black" id="brChartMortgage-rate-30"> 6.95% </td> </tr> <tr class="row-national"> <td class="px-2"><span class="bullet" style="background: #88DD9B;"></span></td> <td class="series-name type-body-one py-3 p-0 text-slate text-left" id="brChartMortgage-label-15"> 15 year fixed</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black" id="brChartMortgage-rate-15"> 6.22% </td> </tr> <tr class="row-national"> <td class="px-2"><span class="bullet" style="background: #7C64C3;"></span></td> <td class="series-name type-body-one py-3 p-0 text-slate text-left" id="brChartMortgage-label-10"> 10 year fixed</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black" id="brChartMortgage-rate-10"> 6.08% </td> </tr> <tr class="row-national"> <td class="px-2"><span class="bullet" style="background: #A5D4F4;"></span></td> <td class="series-name type-body-one py-3 p-0 text-slate text-left" id="brChartMortgage-label-51"> 5/1 ARM</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black" id="brChartMortgage-rate-51"> 6.26% </td> </tr> </tbody> </table> </div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3>Today's national mortgage interest rate trends</h3> On Monday, February 17, 2025, the current average interest rate for the benchmark 30-year fixed mortgage is 6.94%, <span class="text-red">up 2 basis points</span> over the last seven days. If you're planning to refinance, the average interest rate for a 30-year fixed refinance is 6.93%, <span class="text-red">rising 3 basis points</span> over the last week. In addition, the average 15-year fixed refinance interest rate is 6.23%, <span class="text-red">rising 3 basis points</span> since the same time last week. For now, the consensus is that mortgage rates will ease down in 2024. Whether you need a mortgage now or plan to get one in the next year or two, it’s crucial to compare offers. Bankrate can connect you with current offers on various types of loans, often well below the national average. We display the lender’s interest rate, APR (rate plus costs) and estimated monthly payment to help you more easily find the best mortgage for your needs. </div> </div> </div> <style> #brChartMortgageChartLegend .bullet { display: block; position: relative; width: 12px; height: 12px; border-radius: 6px; margin: 0 4px; } .mortgage-national-averages-trends-chart-background { padding-top: 2rem; } @media (min-width: 37.4375em) { .mortgage-national-averages-trends-chart-background { background: url('https://www.bankrate.com/v5.1692.0/next/img/mortgage/blurred-rate-table-bg-2.gif?auto=webp') 50% 0 no-repeat #fff; padding-top: 5.5rem; background-size: contain; } } </style> </div> <div id="mortgage-news" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>Mortgage rate news this week - <strong>Feb. 13, 2025</strong></h2> <h3>Mortgage rates rise slightly</h3> <p>Mortgage rates edged up this week, with 30-year fixed-rate loans averaging 7.03 percent, according to Bankrate’s latest lender <a class="Link" href="https://www.bankrate.com/mortgages/analysis/">survey</a>.</p> <p>Hopes for lower mortgage rates took a blow on Wednesday when the Labor Department said inflation is back up to 3 percent. Stubbornly high inflation boosts the odds that rates remain higher for longer. The Federal Reserve announced <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fomc-meeting-recap-january-2025/">no change to its benchmark federal funds rate</a> at its first meeting of 2025, coming off three consecutive rate cuts that started in September.</p> <p>Even the long-awaited Fed cuts didn’t play out as expected. When the central bank first started cutting, housing economists fully expected the Fed’s policy to bring back sub-6 percent mortgage rates. Instead, 30-year rates are hovering around 7 percent. Despite the Fed's decision to hold rates steady, it does not control the direction of mortgage rates — that influence comes mostly 10-year Treasury bond yields.</p></div> <div class="AskTheExperts border-gray-mid border rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: 'bca44560-30d0-411e-87e7-f6623c159915' }"> <div class="display-flex align-items-center pb-4"> <svg class="mr-4" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg><div class="text-xs font-eyebrow font-bold" style="letter-spacing: 0.1em;">BANKRATE EXPERT FAQ</div> </div> <h3 class="type-heading-three w-full mb-4"> Experts predict rates to rise and stay above 7%</h3> <div class="AskTheExperts-panel flex-direction-column md:flex-direction-row -m-2" role="list"> <div class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-1" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = 'bca44560-30d0-411e-87e7-f6623c159915'" role="button" aria-label="Author name Allison Kaminaga"> <img srcset="https://www.bankrate.com/f/102997/5184x3456/9924d68e76/kaminaga_sept2018_2802.JPG?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/f/102997/5184x3456/9924d68e76/kaminaga_sept2018_2802.JPG?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/5184x3456/9924d68e76/kaminaga_sept2018_2802.JPG?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/5184x3456/9924d68e76/kaminaga_sept2018_2802.JPG?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Allison Kaminaga</p> </button> </div> <div class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-2" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '5140ee36-2224-4818-91fa-b022af77a0b7'" role="button" aria-label="Author name Michael Beckers"> <img srcset="https://www.bankrate.com/f/102997/82x85/6fe01c192b/michael_becker.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/f/102997/82x85/6fe01c192b/michael_becker.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/82x85/6fe01c192b/michael_becker.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/82x85/6fe01c192b/michael_becker.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Michael Beckers</p> </button> </div> <div class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-3" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = 'b2a895cc-0289-420f-a005-24710d3728ba'" role="button" aria-label="Author name Dan Green"> <img srcset="https://www.bankrate.com/f/102997/85x85/fa03c8e1f9/dan_green.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/f/102997/85x85/fa03c8e1f9/dan_green.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/85x85/fa03c8e1f9/dan_green.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/85x85/fa03c8e1f9/dan_green.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Dan Green</p> </button> </div> </div> <hr class="w-full border-gray-mid border mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == 'bca44560-30d0-411e-87e7-f6623c159915'" aria-labelledby="AskTheExperts-tab-1" role="tabpanel" style=""> <div class="AskTheExperts-detailsItem"> <span class="AskTheExperts-detailsAuthor no-underline cursor-default"> <img srcset="https://www.bankrate.com/f/102997/5184x3456/9924d68e76/kaminaga_sept2018_2802.JPG?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/f/102997/5184x3456/9924d68e76/kaminaga_sept2018_2802.JPG?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/5184x3456/9924d68e76/kaminaga_sept2018_2802.JPG?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/5184x3456/9924d68e76/kaminaga_sept2018_2802.JPG?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four border-0 m-0 mb-1">Allison Kaminaga</p> <p class="text-slate m-0">Lecturer of Mathematics and Economics, Bryant University</p> </div> </span> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "I expect mortgage rates to increase. Today's CPI report showed inflation increased more than expected last month. This has led to a jump in the 10-year Treasury yield and will likely delay future Fed rate cuts." - Feb. 12</p> </div> </div> </div> <div x-show="author_id_active == '5140ee36-2224-4818-91fa-b022af77a0b7'" aria-labelledby="AskTheExperts-tab-2" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <span class="AskTheExperts-detailsAuthor no-underline cursor-default"> <img srcset="https://www.bankrate.com/f/102997/82x85/6fe01c192b/michael_becker.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/f/102997/82x85/6fe01c192b/michael_becker.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/82x85/6fe01c192b/michael_becker.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/82x85/6fe01c192b/michael_becker.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four border-0 m-0 mb-1">Michael Beckers</p> <p class="text-slate m-0">Branch Manager, Sierra Pacific Mortgage</p> </div> </span> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "Today’s CPI report showed inflation accelerating in January, both at the headline and core levels. This is not something those wanting lower mortgage rates wanted to see. We won’t know for several months whether this is a new trend in inflation or if this was a one-off report. Arguments could be made for both. But for the next week, mortgage rates will be higher because of this report." - Feb. 12 </p> </div> </div> </div> <div x-show="author_id_active == 'b2a895cc-0289-420f-a005-24710d3728ba'" aria-labelledby="AskTheExperts-tab-3" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <span class="AskTheExperts-detailsAuthor no-underline cursor-default"> <img srcset="https://www.bankrate.com/f/102997/85x85/fa03c8e1f9/dan_green.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/f/102997/85x85/fa03c8e1f9/dan_green.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/85x85/fa03c8e1f9/dan_green.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/85x85/fa03c8e1f9/dan_green.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four border-0 m-0 mb-1">Dan Green</p> <p class="text-slate m-0">Mortgage originator, Homebuyer.com</p> </div> </span> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "Costs aren't coming down, so neither are mortgage rates." - Feb. 12</p> </div> </div> </div> </div> </div> <div class="vertical-spacer pt- trsy-pt-[--pt] w-full" style="content: ''; --pt: 0rem"></div> <div class="wysiwyg display-block w-full has-links"> <p><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/rate-trends/">Weekly mortgage rate trend predictions</a></strong></p></div> <div data-tabs="tabs-container"> <ul class="Tabs " role="tablist" aria-label="tabs" data-tabs="tab-list"> <li class="Tabs-item" role="presentation"> <button class="Tabs-link is-active" data-tabs="tab" id="purchase-0" type="button" role="tab" aria-controls="purchase-0" aria-selected="true" tabindex="0"> Purchase</button> </li> <li class="Tabs-item" role="presentation"> <button class="Tabs-link " data-tabs="tab" id="refinance-1" type="button" role="tab" aria-controls="refinance-1" aria-selected="false" tabindex="-1"> Refinance</button> </li> </ul> <div class="Tabs-panel" data-tabs="tab-panel" role="tabpanel" aria-labelledby="purchase-0" aria-hidden="false"> <div class="wysiwyg display-block w-full has-links"> <table class="Table Table--borderedRows Table--numerical mb-2"> <thead> <tr> <th id="PurchaseProduct" width="33%">Product</th> <th id="PurchaseRate" width="33%">Interest Rate</th> <th id="PurchaseAPR" width="33%">APR</th> </tr> </thead> <tbody> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/30-year-mortgage-rates/">30-Year Fixed Rate</a></th> <td class="text-right">6.94%</td> <td>6.99%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/20-year-mortgage-rates/">20-Year Fixed Rate</a></th> <td class="text-right">6.71%</td> <td>6.77%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/15-year-mortgage-rates/">15-Year Fixed Rate</a></th> <td class="text-right">6.24%</td> <td>6.32%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/10-year-mortgage-rates/">10-Year Fixed Rate</a></th> <td class="text-right">6.13%</td> <td>6.21%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/5-1-arm-rates/">5-1 ARM</a></th> <td class="text-right">6.26%</td> <td>7.00%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/10-1-arm-rates/">10-1 ARM</a></th> <td class="text-right">6.77%</td> <td>7.27%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/fha-loan-rates/">30-Year Fixed Rate FHA</a></th> <td class="text-right">6.95%</td> <td>7.00%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/va-loan-rates/">30-Year Fixed Rate VA</a></th> <td class="text-right">6.84%</td> <td>6.89%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/jumbo-loan-rates/">30-Year Fixed Rate Jumbo</a></th> <td class="text-right">7.00%</td> <td>7.05%</td> </tr> </tbody> </table> <p class="text-slate text-gray-700 type-body-three text-xs mb-0">Rates as of Monday, February 17, 2025 at 6:30 AM</p> <p class="text-slate text-gray-700 type-body-three text-xs mb-0"> </p> <p><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/apr-and-interest-rate/">Interest rate vs. APR</a></strong></p></div> <ul class="Accordion w-full" data-cy="accordion-85a7cde0-fa8a-459e-8668-943678de40d9"> <li x-id="['panel-span-classtext-why-trust-bankrates-mortgage-ratesspan', 'heading-span-classtext-why-trust-bankrates-mortgage-ratesspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-why-trust-bankrates-mortgage-ratesspan')" :aria-controls="$id('panel-span-classtext-why-trust-bankrates-mortgage-ratesspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" why trust bankrate’s mortgage rates " data-position="1" data-text=" Why trust Bankrate’s mortgage rates " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Why trust Bankrate’s mortgage rates</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-why-trust-bankrates-mortgage-ratesspan')" :labelledBy="$id('heading-span-classtext-why-trust-bankrates-mortgage-ratesspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Bankrate displays two sets of rate averages through our surveys: the daily "overnight averages" and the weekly "Bankrate Monitor averages."</p> <p>For our overnight averages, the APRs and rates are calculated without considering a borrower’s existing relationship with the lender or automatic payment discounts. To determine the Bankrate Monitor mortgage rate averages, we gather APRs and rates from the 10 largest banks in 10 major U.S. markets, again without considering any existing relationship or automatic payments.<br /><br />We partner with industry-leading advertisers who compensate us for featuring their products or services on our site when you click on specific links. This enables us to provide you with high-quality content, competitive rates and useful tools at no cost to you.<br /><br />Learn more about Bankrate’s <a class="Link" href="https://www.bankrate.com/understanding-bankrates-rate-averages/">rate averages</a>,<a class="Link" href="https://www.bankrate.com/editorial-guidelines/"> editorial guidelines</a> and <a class="Link" href="https://www.bankrate.com/advertising-disclosure/">how we make money</a>.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-why-trust-bankrates-mortgage-ratesspan')" :labelledBy="$id('heading-span-classtext-why-trust-bankrates-mortgage-ratesspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Bankrate displays two sets of rate averages through our surveys: the daily "overnight averages" and the weekly "Bankrate Monitor averages."</p> <p>For our overnight averages, the APRs and rates are calculated without considering a borrower’s existing relationship with the lender or automatic payment discounts. To determine the Bankrate Monitor mortgage rate averages, we gather APRs and rates from the 10 largest banks in 10 major U.S. markets, again without considering any existing relationship or automatic payments.<br /><br />We partner with industry-leading advertisers who compensate us for featuring their products or services on our site when you click on specific links. This enables us to provide you with high-quality content, competitive rates and useful tools at no cost to you.<br /><br />Learn more about Bankrate’s <a class="Link" href="https://www.bankrate.com/understanding-bankrates-rate-averages/">rate averages</a>,<a class="Link" href="https://www.bankrate.com/editorial-guidelines/"> editorial guidelines</a> and <a class="Link" href="https://www.bankrate.com/advertising-disclosure/">how we make money</a>.</p></div> </div> </div> </noscript> </li> </ul> </div> <div class="Tabs-panel" data-tabs="tab-panel" role="tabpanel" aria-labelledby="refinance-1" aria-hidden="true"> <div class="wysiwyg display-block w-full has-links"> <table class="Table Table--borderedRows Table--numerical mb-2"> <thead> <tr> <th id="RefinanceProduct" width="33%">Product</th> <th id="RefinanceRate" width="33%">Interest Rate</th> <th id="RefinanceAPR" width="33%">APR</th> </tr> </thead> <tbody> <tr> <th headers="RefinanceProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/30-year-refinance-rates/">30-Year Fixed Rate</a></th> <td class="text-right" headers="RefinanceRate" width="33%">6.93%</td> <td headers="RefinanceAPR" width="33%">6.98%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/20-year-refinance-rates/">20-Year Fixed Rate</a></th> <td class="text-right">6.72%</td> <td>6.77%</td> </tr> <tr> <th headers="RefinanceProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/15-year-refinance-rates/">15-Year Fixed Rate</a></th> <td class="text-right" headers="RefinanceRate" width="33%">6.23%</td> <td headers="APR" width="33%">6.31%</td> </tr> <tr> <th headers="RefinanceProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/10-year-refinance-rates/">10-Year Fixed Rate</a></th> <td class="text-right" headers="RefinanceRate" width="33%">6.15%</td> <td headers="APR" width="33%">6.22%</td> </tr> <tr> <th headers="RefinanceProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/5-1-arm-rates/">5-1 ARM</a></th> <td class="text-right" headers="RefinanceRate" width="33%">6.27%</td> <td headers="APR" width="33%">7.00%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/10-1-arm-rates/">10-1 ARM</a></th> <td class="text-right">6.79%</td> <td>7.31%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/fha-refinance-rates/">30-Year Fixed Rate FHA</a></th> <td class="text-right">6.96%</td> <td>7.01%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/va-refinance-rates/">30-Year Fixed Rate VA</a></th> <td class="text-right">6.87%</td> <td>6.92%</td> </tr> <tr> <th><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/jumbo-refinance-rates/">30-Year Fixed Rate Jumbo</a></th> <td class="text-right">6.95%</td> <td>7.00%</td> </tr> </tbody> </table> <p class="text-slate text-gray-700 type-body-three text-xs mb-0">Rates as of Monday, February 17, 2025 at 6:30 AM</p> <p class="text-slate text-gray-700 type-body-three text-xs mb-0"> </p> <p class="text-slate text-gray-700 type-body-three text-xs mb-0"> </p></div> </div> </div> </div> <div id="how-to-get-a-mortgage" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>How to compare mortgage rates</h2> <p>Getting the <a class="Link" href="https://www.bankrate.com/mortgages/how-to-get-the-best-mortgage-rate/">best possible rate on your mortgage</a> can make a big difference in your monthly budget — not to mention potentially thousands saved in interest over the life of the loan. You won’t know what rates you qualify for, though, unless you narrow down the best <a class="Link" href="https://www.bankrate.com/mortgages/types-of-mortgages/">type of mortgage</a> for your situation and comparison-shop. Here’s how to do it:</p> <ul> <li><strong>Decide on the right type of mortgage. </strong>Consider your credit score and down payment, how long you plan to stay in the home, how much you can afford in monthly payments and whether you have the risk tolerance for a variable-rate loan versus a fixed-rate loan. Our <a class="Link" href="https://www.bankrate.com/mortgages/mortgage-calculator/">mortgage calculator</a> can help you estimate your monthly mortgage payment in various scenarios.</li> <li><strong>Shop around.</strong> Mortgage rates change often and vary widely by lender, loan type and term. When comparing lenders, pay attention to the APR, not just the interest rate. The APR, or annual percentage rate, reflects the total cost of the loan, including the interest rate and other fees.</li> <li><strong>See what others have to say. </strong>Check out our <a class="Link" href="https://www.bankrate.com/mortgages/reviews/">mortgage lender reviews</a> and other testimonials to uncover the lenders with attractive rates and top-notch customer experience. </li> </ul></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/mortgages/how-to-get-a-mortgage/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/mortgages/mortgage-rates/" data-name="Learn more link" data-position="middle" data-text="How to get a mortgage" data-outcome="send to page" > How to get a mortgage</a> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h3 class="mt-0 mb-4 max-w text-center sm:text-left"> Why compare mortgage rates? </h3> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full has-links"> <p>It’s been proven: <a class="Link" href="https://www.bankrate.com/mortgages/save-on-mortgage-by-comparison-shopping/">Shopping with multiple lenders</a> can save you up to $1,200 a year. Our <a class="Link" href="https://www.bankrate.com/mortgages/amortization-calculator/">mortgage amortization calculator</a> shows how even a 0.1 percent difference on your rate can translate to thousands of dollars spent or saved over the life of a mortgage.</p></div> </div> </div> </div> </div> </div> <div id="mortgage-rate-determined" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>Factors that determine your mortgage rate</h2> <p>Your <a class="Link" href="https://www.bankrate.com/mortgages/how-interest-rates-are-set/">mortgage rate depends on a number of factors</a>, including your individual credit profile and what’s happening in the broader economy. These variables include:</p> <ul> <li><strong>Your credit and finances:</strong> The better your credit score, the better interest rate you’ll get. The same goes for the size of your down payment and the amount of debt you carry: Generally, if you have more money to put down, you’ll get a lower rate. If you have additional debt, your rate might be higher.</li> <li><strong>Loan amount: </strong>The size of your loan can impact your rate.</li> <li><strong>Loan structure: </strong>Your rate varies whether you’re obtaining a fixed-rate or adjustable-rate loan. It also depends on the length of the loan (for example, 30 years or 15 years).</li> <li><strong>Location of the property: </strong>Rates vary depending on where you’re buying.</li> <li><strong>Whether you’re a first-time homebuyer: </strong>Many first-time homebuyer loan programs include a lower-rate mortgage.</li> <li><strong>Economic factors: </strong>Broadly, mortgage rates are impacted by forces like the Federal Reserve, inflation and investor appetite.</li> <li><strong>The lender you work with: </strong>Lenders set rates based on many factors, including their own supply and demand.</li> <li><strong>Mortgage points.</strong> Mortgage points, also referred to as discount points, help homebuyers reduce their interest rate and monthly mortgage payments. Each point typically lowers an interest rate by 0.25 percentage points. For example, one point would lower a mortgage rate of 6 percent to 5.75 percent. The cost of a point is typically 1 percent of the total amount borrowed. For more details, see Bankrate’s guide to <a class="Link" href="https://www.bankrate.com/mortgages/mortgage-points/">mortgage points</a>.</li> <li><strong>The size of your down payment. </strong>If you put down less than 20 percent of the purchase amount, you may pay a higher rate.</li> </ul></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/mortgages/how-to-compare-mortgage-offers/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/mortgages/mortgage-rates/" data-name="Learn more link" data-position="middle" data-text="How to compare mortgage offers" data-outcome="send to page" > How to compare mortgage offers</a> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-block w-full has-links"> <h3>How does the Federal Reserve affect mortgage rates?</h3> <p>Like any other financial product, the cost of a mortgage fluctuates with the happenings of the economy, including Federal Reserve decisions. The central bank doesn’t set specific mortgage rates, but its policies set the tone for what banks and other lenders charge for loans.</p></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/mortgages/federal-reserve-and-mortgage-rates/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/mortgages/mortgage-rates/" data-name="Learn more link" data-position="middle" data-text="How the Fed impacts mortgage rates" data-outcome="send to page" > How the Fed impacts mortgage rates</a> </div> </div> <div id="refinance" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>How to refinance your current mortgage</h2> <div> <p>As interest rates fall, you might choose to <a class="Link" href="https://www.bankrate.com/mortgages/how-does-refinancing-a-mortgage-work/">refinance your mortgage</a> to a new loan at a lower rate. The process isn’t much different from your original mortgage application, and you’ll likely pay less in closing costs this time around compared to when you first bought a home.</p> While most borrowers today have mortgages with already-low rates, there are still some instances when refinancing might make sense — especially with rates expected to trend down in the next year or two. If you’re considering refinancing, think about your goals. Do you want to save money? Take cash out? Pay off your mortgage faster? Get a fixed rate? Borrowers refinance for these and many other reasons. <a class="Link" href="https://www.bankrate.com/mortgages/refinance-rates/">Compare refinance rates</a> and do the math with our <a class="Link" href="https://www.bankrate.com/mortgages/refinance-calculator/">refinance calculator</a>.</div></div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/mortgages/when-to-refinance/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/mortgages/mortgage-rates/" data-name="Learn more link" data-position="middle" data-text="When to refinance" data-outcome="send to page" > When to refinance</a> </div> </div> <div id="mortgage-faqs" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h3>Next steps to getting a mortgage</h3> <p>Before you start applying for a mortgage, here are some <a class="Link" href="https://www.bankrate.com/mortgages/">mortgage resources</a> to prepare you for the process:</p></div> <div class="ProductTileList"> <a class="ProductTile" href="https://www.bankrate.com/mortgages/improve-credit-before-mortgage/" > <div class="ProductTile-wrapper"> <div class="ProductTile-imageContainer"> <img class="ProductTile-image" src="https://www.bankrate.com/f/102997/80x45/8c7f68b16d/improving-your-credit-before-home-purchase-80x45.jpg" alt="" loading="lazy"> </div> <div class="ProductTile-content"> <p class="ProductTile-header">How to improve your credit score to get a mortgage </p> <p class="ProductTile-supportText">The higher your score, the better your approval chances, and the lower the interest rate.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/mortgages/how-to-save-for-a-down-payment/" > <div class="ProductTile-wrapper"> <div class="ProductTile-imageContainer"> <img class="ProductTile-image" src="https://www.bankrate.com/f/102997/80x45/f4d95cfefe/how-to-save-for-a-down-payment-80x45.jpg" alt="" loading="lazy"> </div> <div class="ProductTile-content"> <p class="ProductTile-header">How to save for a down payment</p> <p class="ProductTile-supportText">Saving the big chunk of cash you'll need upfront can be tough. These tactics help.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/mortgages/finding-the-best-mortgage-lender/" > <div class="ProductTile-wrapper"> <div class="ProductTile-imageContainer"> <img class="ProductTile-image" src="https://www.bankrate.com/f/102997/80x45/b43af166c8/finding-the-best-mortgage-lender-80x45.jpg" alt="" loading="lazy"> </div> <div class="ProductTile-content"> <p class="ProductTile-header">How to choose a mortgage lender</p> <p class="ProductTile-supportText">Getting a good loan starts with choosing the right lender.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/mortgages/questions-to-expect-from-lenders/" > <div class="ProductTile-wrapper"> <div class="ProductTile-imageContainer"> <img class="ProductTile-image" src="https://www.bankrate.com/f/102997/80x45/0185000c89/homes-mortgage-questions-to-ask-and-expect-from-your-lender-80x45.jpg" alt="" loading="lazy"> </div> <div class="ProductTile-content"> <p class="ProductTile-header">Questions to expect from a mortgage lender</p> <p class="ProductTile-supportText">To get the right answers (and the right mortgage), you have to ask the right questions. And be ready to answer a lot, too. </p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></div> </div> </a></div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Mortgage FAQ </h2> </div> <ul class="Accordion w-full" data-cy="accordion-27462fc1-95ba-4f65-ac46-014615f152f3"> <li x-id="['panel-what-is-a-mortgage', 'heading-what-is-a-mortgage']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-is-a-mortgage')" :aria-controls="$id('panel-what-is-a-mortgage')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" what is a mortgage and how does it work? " data-position="1" data-text=" What is a mortgage and how does it work? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is a mortgage and how does it work?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-is-a-mortgage')" :labelledBy="$id('heading-what-is-a-mortgage')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A mortgage is a loan from a bank or other financial institution that helps a borrower purchase a home. The collateral for the mortgage is the home itself. That means if the borrower doesn’t make monthly payments to the lender and defaults on the loan, the lender can sell the home and recoup its money. A mortgage loan is typically a long-term debt taken out for 30, 20 or 15 years. Over this time (known as the loan’s “term”), you’ll repay both the amount you borrowed as well as the interest charged for the loan.</p> <p><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/what-is-mortgage/">What is a mortgage?</a></strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-is-a-mortgage')" :labelledBy="$id('heading-what-is-a-mortgage')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A mortgage is a loan from a bank or other financial institution that helps a borrower purchase a home. The collateral for the mortgage is the home itself. That means if the borrower doesn’t make monthly payments to the lender and defaults on the loan, the lender can sell the home and recoup its money. A mortgage loan is typically a long-term debt taken out for 30, 20 or 15 years. Over this time (known as the loan’s “term”), you’ll repay both the amount you borrowed as well as the interest charged for the loan.</p> <p><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/what-is-mortgage/">What is a mortgage?</a></strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-should-you-lock-in-your-mortgage-ratespan', 'heading-span-classtext-should-you-lock-in-your-mortgage-ratespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-should-you-lock-in-your-mortgage-ratespan')" :aria-controls="$id('panel-span-classtext-should-you-lock-in-your-mortgage-ratespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" should you lock in your mortgage rate? " data-position="2" data-text=" Should you lock in your mortgage rate? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Should you lock in your mortgage rate?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-should-you-lock-in-your-mortgage-ratespan')" :labelledBy="$id('heading-span-classtext-should-you-lock-in-your-mortgage-ratespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A mortgage rate lock guarantees (with a few exceptions) that the interest rate offered to you will remain available for a set period of time. With a lock, you won’t have to worry if market rates go up between the time you find a home, submit an offer and close. Most lenders offer a 30- to 45-day rate lock free of charge. Often, you’ll need to pay a fee to extend the lock period. Some lenders also offer a “float down” option, which allows you to lower your locked rate if prevailing rates fall — though you’ll likely have to pay a fee for this perk, too.<br><br><strong>Learn more: </strong><a class="Link" href="https://www.bankrate.com/mortgages/what-is-mortgage-rate-lock/"><strong>What is a mortgage rate lock?</strong><br></a></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-should-you-lock-in-your-mortgage-ratespan')" :labelledBy="$id('heading-span-classtext-should-you-lock-in-your-mortgage-ratespan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A mortgage rate lock guarantees (with a few exceptions) that the interest rate offered to you will remain available for a set period of time. With a lock, you won’t have to worry if market rates go up between the time you find a home, submit an offer and close. Most lenders offer a 30- to 45-day rate lock free of charge. Often, you’ll need to pay a fee to extend the lock period. Some lenders also offer a “float down” option, which allows you to lower your locked rate if prevailing rates fall — though you’ll likely have to pay a fee for this perk, too.<br><br><strong>Learn more: </strong><a class="Link" href="https://www.bankrate.com/mortgages/what-is-mortgage-rate-lock/"><strong>What is a mortgage rate lock?</strong><br></a></p></div> </div> </div> </noscript> </li> <li x-id="['panel-what-are-closing-costs', 'heading-what-are-closing-costs']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-are-closing-costs')" :aria-controls="$id('panel-what-are-closing-costs')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how much are closing costs on a mortgage? " data-position="3" data-text=" How much are closing costs on a mortgage? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How much are closing costs on a mortgage?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-are-closing-costs')" :labelledBy="$id('heading-what-are-closing-costs')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>The closing costs on a mortgage encompass all of the fees associated with the loan, including the lender’s charges, typically an origination fee often equal to 1 percent of the loan principal and optional points. Closing costs also include third-party fees like the cost of an appraisal and title insurance. All together, these usually run anywhere from 2 percent to 5 percent of the amount you’re borrowing, above and beyond your down payment.<br /><br /><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/what-are-closing-costs/">Mortgage closing costs</a></strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-are-closing-costs')" :labelledBy="$id('heading-what-are-closing-costs')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>The closing costs on a mortgage encompass all of the fees associated with the loan, including the lender’s charges, typically an origination fee often equal to 1 percent of the loan principal and optional points. Closing costs also include third-party fees like the cost of an appraisal and title insurance. All together, these usually run anywhere from 2 percent to 5 percent of the amount you’re borrowing, above and beyond your down payment.<br /><br /><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/what-are-closing-costs/">Mortgage closing costs</a></strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-who-are-the-best-mortgage-lendersspan', 'heading-span-classtext-who-are-the-best-mortgage-lendersspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-are-the-best-mortgage-lendersspan')" :aria-controls="$id('panel-span-classtext-who-are-the-best-mortgage-lendersspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" who are the best mortgage lenders? " data-position="4" data-text=" Who are the best mortgage lenders? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who are the best mortgage lenders?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-are-the-best-mortgage-lendersspan')" :labelledBy="$id('heading-span-classtext-who-are-the-best-mortgage-lendersspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Depending on your needs, the best <a class="Link" href="https://www.bankrate.com/mortgages/reviews/">mortgage lenders</a> are often the ones that offer the most competitive rates and fees, stellar customer service and convenience.<br /><br /><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/best-lenders/best-mortgage-lenders/">Best mortgage lenders in 2024</a></strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-are-the-best-mortgage-lendersspan')" :labelledBy="$id('heading-span-classtext-who-are-the-best-mortgage-lendersspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Depending on your needs, the best <a class="Link" href="https://www.bankrate.com/mortgages/reviews/">mortgage lenders</a> are often the ones that offer the most competitive rates and fees, stellar customer service and convenience.<br /><br /><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/best-lenders/best-mortgage-lenders/">Best mortgage lenders in 2024</a></strong></p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-block w-full has-links"> <h2>Meet our Bankrate experts</h2> <p><strong>Written by: Jeff Ostrowski, Principal Reporter, Mortgages</strong></p> <p>I cover mortgages and the housing market. Before joining Bankrate in 2020, I spent more than 20 years writing about real estate and the economy for the Palm Beach Post and the South Florida Business Journal. I’ve had a front-row seat for two housing booms and a housing bust. I’ve twice won gold awards from the National Association of Real Estate Editors, and since 2017 I’ve served on the nonprofit’s board of directors.</p> <p><a class="Link" href="https://www.bankrate.com/authors/jeff-ostrowski/">Read more from Jeff Ostrowski</a></p> <p><strong>Edited by: Laurie Richards, Editor, Home Lending</strong></p> <p>I’ve spent five years in writing and editing roles, and I now focus on mortgage, mortgage relief, homebuying and mortgage refinancing topics. I’m most interested in providing resources for aspiring first-time homeowners to help demystify the homebuying process. In 2021, I earned a Poynter ACES Certificate in Editing. I have an MA in English.</p> <p><a class="Link" href="https://www.bankrate.com/authors/laurie-richards/">Read more from Laurie Richards</a></p> <p><strong>Reviewed by: Greg McBride, CFA, Chief Financial Analyst, Bankrate</strong></p> <p>Greg McBride is a CFA charterholder with more than a quarter-century of experience in personal finance, including consumer lending prior to coming to Bankrate. Through Bankrate.com's Money Makeover series, he helped consumers plan for retirement, manage debt and develop appropriate investment allocations. He is an accomplished public speaker, has served as a Wall Street Journal Expert Panelist and served on boards in the credit counseling industry for more than a decade and the funding board of the Rose Foundation’s Consumer Financial Education Fund.</p> <p><a class="Link" href="https://www.bankrate.com/authors/greg-mcbride/">Read more from Greg McBride</a></p></div> </div></div> </div></div> </section> <section id="" class="section-wrapper trsy-bg-[--bg-color] bg-transparent py-0 trsy-py-[--py] frame frame gutter gutter" style="--py: 0rem; --bg-color: var(--color-transparent);"> <div class="wrapper wrapper"> <div class="CompareRatesLinkList"> <h2 class="CompareRatesLinkList-title text-crop-none">Mortgage rates in other states</h2> <div class="CompareRatesLinkList-sections display-flex w-full gap-8 justify-content-flex-start flex-wrap"> <div class="CompareRatesLinkList-section" style="flex-grow: 6"> <ul class="List display-grid pt-4 border-t border-gray-light gap-x-8 gap-y-2 grid-cols-2 md:grid-cols-6"> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/national-mortgage-rates/"> United States</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/alabama/"> Alabama</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/alaska/"> Alaska</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/arizona/"> Arizona</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/arkansas/"> Arkansas</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/california/"> California</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/colorado/"> Colorado</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/connecticut/"> Connecticut</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/delaware/"> Delaware</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/florida/"> Florida</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/georgia/"> Georgia</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/hawaii/"> Hawaii</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/idaho/"> Idaho</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/illinois/"> Illinois</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/indiana/"> Indiana</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/iowa/"> Iowa</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/kansas/"> Kansas</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/kentucky/"> Kentucky</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/louisiana/"> Louisiana</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/maine/"> Maine</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/maryland/"> Maryland</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/massachusetts/"> Massachusetts</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/michigan/"> Michigan</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/minnesota/"> Minnesota</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/mississippi/"> Mississippi</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/missouri/"> Missouri</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/montana/"> Montana</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/nebraska/"> Nebraska</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/nevada/"> Nevada</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/new-hampshire/"> New Hampshire</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/new-jersey/"> New Jersey</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/new-mexico/"> New Mexico</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/new-york/"> New York</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/north-carolina/"> North Carolina</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/north-dakota/"> North Dakota</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/ohio/"> Ohio</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/oklahoma/"> Oklahoma</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/oregon/"> Oregon</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/pennsylvania/"> Pennsylvania</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/rhode-island/"> Rhode Island</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/south-carolina/"> South Carolina</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/south-dakota/"> South Dakota</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/tennessee/"> Tennessee</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/texas/"> Texas</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/utah/"> Utah</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/vermont/"> Vermont</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/virginia/"> Virginia</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/washington/"> Washington</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/washington-dc/"> Washington DC</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/west-virginia/"> West Virginia</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/wisconsin/"> Wisconsin</a> </li> <li class="text-crop-none"> <a class="Link Link--standalone" href="/mortgages/mortgage-rates/wyoming/"> Wyoming</a> </li> </ul> </div></div> </div></div> </section> <div class="preamp-placeholder"> <div data-preamp id="email-exit-modal" class=""></div> </div> </main> </div> <footer data-swiftype-index="false"class="global-footer"> <div class="global-footer__container"> <h2 class="global-footer__logo-container"> <a href="https://www.bankrate.com/"> <span class="global-footer__logo-text">Bankrate logo</span> <svg width="120" height="24" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 16.31v28.89h-9.92v-52.83h9.25v5.65h.19c3.9-5 9.35-7 15.45-7 12.68 0 22 8 22 22.6v31.58h-9.9z"/> <path d="m300.12 78.16v-8.16h-.18c-3.72 6.29-10.4 9.53-17.93 9.53-15.45 0-28-11.63-28-26.88 0-16.87 12.1-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.18v-7.47h9.85v52.81zm.19-26.31c0-10.29-7.44-18.87-18.4-18.87-9.92 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.57 18.57 0 0 0 18.4-18.6z"/> <path d="m325.11 78.16v-43.75h-7.11v-9.06h7.15v-17.73h9.85v17.73h8.68v9.06h-8.68v43.75z"/> <path d="m356 56.05c2.29 8.76 9.25 14.4 17.36 14.4a17 17 0 0 0 15.06-8.87h9.91a27.08 27.08 0 0 1 -25.41 17.92c-14.87 0-26.92-13.16-26.92-27.27 0-16.68 12.58-28.32 26.6-28.32a26.9 26.9 0 0 1 27.4 27.17 29.4 29.4 0 0 1 -.29 5h-43.71zm34.13-7.62c-.75-9-8.67-15.45-17.16-15.45-8.11 0-16.21 6.39-17 15.45z"/> <path d="m42 39.88a22.68 22.68 0 0 0 -4.89-3.79 18.39 18.39 0 0 0 1.73-2 21 21 0 0 0 4-14 21.57 21.57 0 0 0 -6.2-13.85 22 22 0 0 0 -15.96-6.24h-20.68v79.5h24.34c9.13 0 14.75-4 17.87-7.39a23.6 23.6 0 0 0 6.18-16.11 22.89 22.89 0 0 0 -6.39-16.12zm-21.32-30.61c8.37 0 12.5 5.75 12.88 11.43a11.49 11.49 0 0 1 -9.71 11.93h-14.58v-23.36zm3.65 61h-15.06v-28.37h13.73c11.89 0 16.1 7.6 16.1 14.11-.01 6.84-4.62 14.22-14.77 14.22z"/> <path d="m245.87 25.39c-9.38-.7-13 4-13 4v-4h-9.87v52.77h9.91v-29.64a20.28 20.28 0 0 1 1-6.37c2.14-6.48 9.16-8.56 16-6l4.09-8.7a22.74 22.74 0 0 0 -8.13-2.06z"/> <path d="m173.07 7.62h9.92v70.55h-9.92z"/> <path d="m205.26 78.16-21.88-26.43 19.62-26.38h11.21l-19.31 26.38 22.05 26.43z"/> </g> </svg></a> </h2> <nav class="global-footer__nav"> <div class="global-footer__nav-item"> <h3 class="type-body-one">About</h3> <ul class="List" data-js-selector="global-footer-category"> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="About us" class="global-footer__link type-body-two" href="https://www.bankrate.com/about/"> About us </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Leadership" class="global-footer__link type-body-two" href="https://www.bankrate.com/leadership/"> Leadership </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Press room" class="global-footer__link type-body-two" href="https://www.bankrate.com/press-releases/" rel="nofollow"> Press room </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Careers" class="global-footer__link type-body-two" href="https://www.bankrate.com/careers/"> Careers </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Advertise with us" class="global-footer__link type-body-two" href="https://www.bankrate.com/media-kit/"> Advertise with us </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Site map" class="global-footer__link type-body-two" href="https://www.bankrate.com/corporate/site-map/"> Site map </a> </li> </ul> </div> <div class="global-footer__nav-item"> <h3 class="type-body-one">Help</h3> <ul class="List" data-js-selector="global-footer-category"> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Contact us" class="global-footer__link type-body-two" href="https://www.bankrate.com/contact/" rel="nofollow"> Contact us </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Compare rates" class="global-footer__link type-body-two" href="https://www.bankrate.com/compare-rates/"> Compare rates </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Latest news" class="global-footer__link type-body-two" href="https://www.bankrate.com/news/"> Latest news </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Popular topics" class="global-footer__link type-body-two" href="https://www.bankrate.com/popular-finance-topics/"> Popular topics </a> </li> </ul> </div> <div class="global-footer__nav-item"> <h3 class="type-body-one">Legal</h3> <ul class="List" data-js-selector="global-footer-category"> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Privacy policy" class="global-footer__link type-body-two" href="https://www.bankrate.com/privacy/"> Privacy policy </a> </li> <li> <button data-beam-element-clicked-no-delay data-type="BUTTON" data-location="footer" data-name="footer links" data-text="Cookie settings" class="global-footer__link type-body-two ot-sdk-show-settings" type="button"> Cookie settings </button> </li> <li> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="footer" data-name="footer links" data-text="Do Not Sell or Share My Personal Information" class="global-footer__link type-body-two" href="https://www.bankrate.com/do-not-sell-or-share-my-personal-information/" rel="nofollow"> Do Not Sell or Share My Personal Information </a> </li> <li> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="footer" data-name="footer links" data-text="Consumer Health Information Privacy Policy" class="global-footer__link type-body-two" href="https://www.bankrate.com/consumer-health-information-privacy-policy/" rel="nofollow"> Consumer Health Information Privacy Policy </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Understanding Bankrate’s averages" class="global-footer__link type-body-two" href="https://www.bankrate.com/understanding-bankrates-rate-averages/" rel="nofollow"> Understanding Bankrate’s averages </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Terms of use" class="global-footer__link type-body-two" href="https://www.bankrate.com/terms/"> Terms of use </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="GLBA annual notice" class="global-footer__link type-body-two" href="https://www.bankrate.com/glba-notice/"> GLBA annual notice </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="California Consumer Financial Privacy Notice" class="global-footer__link type-body-two" href="https://www.bankrate.com/2022/02/15094901/california-notice.pdf"> California Consumer Financial Privacy Notice </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Licenses" class="global-footer__link type-body-two" href="https://www.bankrate.com/licenses/" rel="nofollow"> Licenses </a> </li> </ul> </div> <div class="global-footer__nav-item"> <h3 class="type-body-one">How we make money</h3> <p class="global-footer__paragraph type-body-two"> Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. </p> <p class="global-footer__paragraph type-body-two"> Bankrate, LLC NMLS ID# 1427381 <span>|</span> <a href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1427381" rel="noopener" target="_blank">NMLS Consumer Access</a><br> BR Tech Services, Inc. NMLS ID #1743443 <span>|</span> <a href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1743443" rel="noopener" target="_blank">NMLS Consumer Access</a> </p> </div> </nav> <div class="global-footer__social-bar-container"> <div class="global-footer__social-bar"> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="facebook" aria-label="Facebook" class="global-footer__icon" href="https://www.facebook.com/Bankrate/" rel="noopener" target="_blank" title="Facebook logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Facebook Icon</title><path d="M13.447 22.5H9.588a.86.86 0 0 1-.857-.857v-6.857H6.697a.86.86 0 0 1-.858-.857V10.07a.86.86 0 0 1 .857-.857h2.036V7.18a5.64 5.64 0 0 1 1.66-4.018A5.722 5.722 0 0 1 14.412 1.5h2.893a.86.86 0 0 1 .857.857v3.857a.86.86 0 0 1-.857.857H14.41l-.107.108v2.035h3a.86.86 0 0 1 .857.857v3.858a.86.86 0 0 1-.857.857h-3v6.857a.86.86 0 0 1-.857.857Zm-3-1.714h2.142v-6.857a.86.86 0 0 1 .857-.858h3V10.93h-3a.86.86 0 0 1-.857-.858V7.18c0-.483.193-.943.525-1.286a1.9 1.9 0 0 1 1.297-.536h2.036V3.214H14.41c-1.04 0-2.068.418-2.807 1.157a3.938 3.938 0 0 0-1.157 2.808v2.892a.86.86 0 0 1-.858.858H7.554v2.142h2.035a.86.86 0 0 1 .857.858v6.857Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="twitter" aria-label="Twitter" class="global-footer__icon" href="https://twitter.com/bankrate" rel="noopener" target="_blank" title="Twitter logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="instagram" aria-label="Instagram" class="global-footer__icon" href="https://www.instagram.com/bankrate/?hl=en" rel="noopener" target="_blank" title="Instagram logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Instagram Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M16.518 22.5H7.482c-3.58 0-5.982-2.506-5.982-6.243V7.743C1.5 4.017 3.901 1.5 7.482 1.5h9.036c3.58 0 5.982 2.506 5.982 6.243v8.514c0 3.737-2.401 6.243-5.982 6.243ZM7.482 3.224c-2.595 0-4.267 1.778-4.267 4.53v8.513c0 2.753 1.672 4.53 4.267 4.53h9.036c2.595 0 4.267-1.777 4.267-4.53V7.754c0-2.752-1.672-4.53-4.267-4.53H7.482Zm4.352 13.74a4.614 4.614 0 0 1-4.61-4.605 4.614 4.614 0 0 1 4.61-4.605c2.54 0 4.61 2.067 4.61 4.605a4.614 4.614 0 0 1-4.61 4.605Zm0-7.497A2.894 2.894 0 0 0 8.94 12.36a2.894 2.894 0 0 0 5.788 0 2.894 2.894 0 0 0-2.894-2.892Zm4.224-2.41a1.16 1.16 0 0 0 1.158 1.157c.632 0 1.157-.524 1.157-1.156 0-.632-.525-1.157-1.157-1.157-.633 0-1.158.525-1.158 1.157Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="linkedin" aria-label="LinkedIn" class="global-footer__icon" href="https://www.linkedin.com/company/bankrate/" rel="noopener" target="_blank" title="LinkedIn logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="youtube" aria-label="Youtube" class="global-footer__icon" href="https://www.youtube.com/user/bankrate" rel="noopener" target="_blank" title="YouTube logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>YouTube Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M4.414 20.127c.943.343 4.318.514 7.662.514l-.011.011c3.3 0 6.59-.16 7.458-.493 1.233-.364 2.187-1.371 2.476-2.561.664-1.907.664-9.248.021-11.156a3.626 3.626 0 0 0-2.475-2.636c-1.94-.632-13.342-.6-15.078.032A3.595 3.595 0 0 0 1.992 6.4c-.654 1.94-.654 9.302-.011 11.21.332 1.232 1.297 2.196 2.433 2.518Zm.589-14.65c.75-.278 4.03-.417 7.244-.417v.01c3.044 0 6.023.118 6.773.376.01.01.021.01.032.01.643.193 1.147.73 1.329 1.469.536 1.586.536 8.583-.022 10.19a1.949 1.949 0 0 1-1.371 1.415c-1.48.558-12.463.558-14.05-.021-.62-.172-1.125-.686-1.317-1.383-.536-1.575-.536-8.594.02-10.234.162-.675.665-1.21 1.362-1.414Zm4.823 9.956c.214.118.45.182.686.182v.011c.235 0 .46-.064.675-.182l3.933-2.24a1.364 1.364 0 0 0 0-2.368l-3.933-2.24a1.345 1.345 0 0 0-1.361 0 1.359 1.359 0 0 0-.675 1.179v4.48c0 .492.246.932.675 1.178Zm3.911-3.418-2.872 1.628v-3.257l2.872 1.629Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="tiktok" aria-label="TikTok" class="global-footer__icon" href="https://www.tiktok.com/@bankrate/" rel="noopener" target="_blank" title="TikTok logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Tiktok Icon</title><path d="M9.852 22.5a7.106 7.106 0 0 1-7.104-7.104 7.106 7.106 0 0 1 7.104-7.103c.225 0 .45.096.61.257.161.16.247.386.247.61 0 0-.032 2.326-.032 3.269 0 .439-.332.803-.772.857a2.025 2.025 0 0 0-1.821 2.025 2.035 2.035 0 1 0 4.071 0V2.357a.86.86 0 0 1 .857-.857h2.904c.364 0 .696.236.814.59.225.664 1.147 2.85 3.75 3.096.44.043.772.407.772.857v3.471a.849.849 0 0 1-.633.825c-1.35.354-2.7-.01-3.664-.439v5.496A7.106 7.106 0 0 1 9.852 22.5Zm-.868-12.418c-2.561.418-4.522 2.647-4.522 5.314a5.4 5.4 0 0 0 5.39 5.39 5.4 5.4 0 0 0 5.389-5.39V8.454c0-.322.182-.622.471-.761a.857.857 0 0 1 .89.064c.01.01 1.489 1.05 2.946 1.007V6.761c-2.143-.482-3.536-2.025-4.21-3.557H13.87V15.3a3.754 3.754 0 0 1-3.75 3.75 3.754 3.754 0 0 1-3.75-3.75 3.727 3.727 0 0 1 2.603-3.568c0-.525 0-1.157.01-1.66v.01Z" class="icon-base"/></svg></a> </span> </div> </div> <div class="global-footer__copyright-container"> <p class="type-body-three"> © 2025 Bankrate, LLC. A Red Ventures company. All Rights Reserved. </p> </div> </div> <div class="preamp-footer-placement"></div> <div class="preamp-footer-placement"></div> </footer> <div id="modalStack" class="pos-relative" style="z-index: 999;"></div> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-focus-C76grI_8.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-focus-C76grI_8.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-interactive-tooltip-DWgQBERe.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/v4-BZd5Sria.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/stringify-CUxI7f_a.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-interactive-tooltip-DWgQBERe.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-D-xUEzKl.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/module.esm-BVmYX9MG.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-D-xUEzKl.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/modal-CmzQ4Z88.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/modal-CmzQ4Z88.js"></script><link rel="preload" as="style" href="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-tooltip-BV0DbBqk.css" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-tooltip-CPerbs65.js" /><link rel="stylesheet" href="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-tooltip-BV0DbBqk.css" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-tooltip-CPerbs65.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/button-bind-show-hide-dynamic-presentation-mOXfNwHo.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/button-bind-show-hide-dynamic-presentation-mOXfNwHo.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/button-bind-show-hide-toc-item-D5HJfdC4.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/button-bind-show-hide-toc-item-D5HJfdC4.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/classy-CmgLGdpb.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/classy-CmgLGdpb.js"></script><script defer="defer" src="https://cdn.jsdelivr.net/npm/chart.js@4/dist/chart.umd.min.js"></script> <script defer="defer" src="https://cdn.jsdelivr.net/npm/chartjs-adapter-date-fns@3/dist/chartjs-adapter-date-fns.bundle.min.js"></script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/mortgage-rate-trends-comparison-chart-v2-jY_jrAFW.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/set-DH1Bd8jK.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/_commonjsHelpers-BosuxZz1.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/mortgage-rate-trends-comparison-chart-v2-jY_jrAFW.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/read-more-toggle-B1s94RmR.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/read-more-toggle-B1s94RmR.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/table-of-contents-drawer-Mp-52ybI.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/table-of-contents-drawer-Mp-52ybI.js"></script><script type="module"> VerticalDrawer.initialize({ initialOpen: 0, }); </script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/table-of-contents-oiPaJFk7.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/table-of-contents-oiPaJFk7.js"></script><script type="module"> addEventListener('DOMContentLoaded', (_) => { initializeTableOfContents('#rate-trends,#mortgage-news,#how-to-get-a-mortgage,#mortgage-rate-determined,#refinance,#mortgage-faqs', 64, ); }); </script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-focus-C76grI_8.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-focus-C76grI_8.js"></script><script async> function callMonarch(appId, ruleSetId, containerClass) { cohesion('monarch:ready', async () => { function getMonarchRuleSet(ruleSetCustomId) { return new Promise((res, rej) => { monarch( 'ruleset', ruleSetCustomId, {}, { sourceId: appId, makeIdentifier: `${window._Tagular.webContext.anonymousId}`, }, (err, result) => { if (err) { console.error('Monarch Error', err); res([]); } else { // loop through the keys of the result object for (const key in result) { // If result is string containing injectable slug, convert it to an object to populate it with additional properties if (typeof result[key] === 'string' && result[key].includes( '_content/injectable-component/')) { result[key] = { injectableSlug: result[key] }; } result[key].ruleName = key; result[key].ruleSetId = ruleSetCustomId; } res(Object.values(result)); } } ); }); } const assets = await getMonarchRuleSet(ruleSetId); /** * Helper that transforms Monarch assets into a dictionary * to be used by the Wealth Rate Table application. */ const formatDictionary = (assets) => { return assets.reduce((acc, curr) => { // handles wealth assets if (curr.metadata) { const parsedMetadata = JSON.parse(curr.metadata); acc[parsedMetadata._featureName] = parsedMetadata; } // handles JO assets if (curr.assetPlacements?.length) { curr.assetPlacements.forEach((assetPlacement) => { if (assetPlacement.asset.metadata) { const parsedMetadata = JSON.parse(assetPlacement.asset .metadata); acc[parsedMetadata._featureName] = parsedMetadata; } }); } return acc; }, {}); } const formatWealthAssets = (assets) => { // Containing object to deliver processed assets to rate table let assetDictionary = {}; // Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); } /** * Retrieve the JSON metadata for a Monarch-served preamp asset on the current page via ID. * * @NOTE "ID" refers to a nonstandard field that may be included in a JSON asset, NOT a preamp asset ID. */ window.jo.getMonarchMetadataById = function getMonarchMetadataById(id) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } try { const metadataJSON = JSON.parse(asset.metadata); const isAssetMatch = metadataJSON?.__id === id || metadataJSON?.__featureName === id; return isAssetMatch; } catch (error) { console.log(error); } }); if (!matchedAsset) { return {}; }; let metadata; try { metadata = JSON.parse(matchedAsset?.metadata); } catch { metadata = {}; } return metadata; } // Function to retrieve the JSON metadata for a Monarch-served preamp asset by feature name window.jo.getMetadataByFeatureName = function getMetadataByFeatureName(featureName) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } const metadataJSON = JSON.parse(asset.metadata); return metadataJSON._featureName === featureName; }); if (!matchedAsset) { return {}; } let metadata; try { metadata = JSON.parse(matchedAsset.metadata); } catch { metadata = {}; } return metadata; } } assets.flatMap((a, assetIndex, assets) => { const experienceId = a?.experienceId; const assetPlacements = a?.assetPlacements; const isLast = assetIndex === assets.length - 1; const brDataStoredEvent = new CustomEvent('jo:br-data:stored'); const ruleLoadedEvent = new CustomEvent('monarch:rule:loaded', { detail: { ruleSetId: a.ruleSetId, ruleName: a.ruleName, data: a, }, }); window.dispatchEvent(ruleLoadedEvent); if (containerClass) { if (experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; const elements = assetPlacements.flatMap((a) => { window.jo.storeMonarchMetadata(a.asset); return renderPreampResponse(a.asset); }); targetEl.append(...elements); } if (assets && !experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; window.jo.storeMonarchMetadata(a); const elements = renderPreampResponse(a); elements.forEach(element => targetEl.append(element)); } } function renderPreampResponse(assetType) { const container = document.createElement('div'); const script = document.createElement('script'); script.innerHTML = assetType.js; container.innerHTML = ` <div> <style>${assetType.css ? assetType.css : ''}</style> <div>${assetType.html ? assetType.html : ''}</div> </div> `; return [container, script]; } if (isLast) { window.dispatchEvent(brDataStoredEvent); } }); }); } </script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/mortgage-pre-v3-hnO_gCMf.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/mortgage-pre-v3-hnO_gCMf.js"></script><script> function setMortgageRateTableProperty(path, value) { let schema = globalThis.initialDimensions; // a moving reference to internal objects within obj let pList = path.split('.'); let len = pList.length; for (let i = 0; i < len - 1; i++) { let elem = pList[i]; if (!schema[elem]) schema[elem] = {} schema = schema[elem]; } schema[pList[len - 1]] = value; } document.addEventListener("updateMortgageRateTableData", e => { if (e.detail?.property && e.detail?.value) { setMortgageRateTableProperty(e.detail.property, e.detail.value); } const featureFlags = false; // add script tag to the body let scriptEle = document.createElement('script'); scriptEle.setAttribute('src', 'https://mortgage-rate-table.bankrate.com/fantasia/static/js/main.1e30b937.js'); if (featureFlags) { scriptEle.setAttribute('type', 'module'); } else { scriptEle.setAttribute('type', 'text/javascript'); } scriptEle.setAttribute('async', true); document.body.appendChild(scriptEle); // add stylesheet to the head let styleEle = document.createElement('link'); styleEle.setAttribute('type', 'text/css'); styleEle.setAttribute('rel', 'stylesheet'); styleEle.setAttribute('href', 'https://mortgage-rate-table.bankrate.com/fantasia/static/css/main.fd65dfc3.css'); document.head.appendChild(styleEle); }); </script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/dynamic-presentation-DiYt26_9.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/dynamic-presentation-DiYt26_9.js"></script><script defer="defer" src="https://elf.bankrate.com/embedded.umd.min.js"></script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/mortgage-national-averages-trends-chart-Bezz8w_L.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/mortgage-national-averages-trends-chart-Bezz8w_L.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-collapse-Cwlsivl9.js" /><script type="module" src="https://www.bankrate.com/v5.1692.0/next/build/assets/alpine-collapse-Cwlsivl9.js"></script><script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', '6a07f528-a8bd-46d0-964e-ae1d6f1949b7', 'preamp-footer-placement'), +0) </script> <script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', 'b0efcaed-9cbc-44d7-86f3-3d37d27484b1', 'preamp-footer-placement'), +0) </script> <script src="/ext/cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="09034832-9ea3-4f44-82ce-803550818ae2" defer="defer"></script> <script type="text/javascript"> function OptanonWrapper() {} </script> </body> </html>