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A home loan with a shorter term may have a lower interest rate but a higher monthly payment, while a home loan with an adjustable interest rate may have a lower interest rate at first but then change annually after a set period of time. For example, a 7-year ARM (adjustable-rate mortgage) has a set rate for the initial 7 years then adjusts annually for the remaining life of the loan (loan term), while a 30-year fixed-rate mortgage has a rate that stays the same over the loan term.</p>"}}]}</script><script type="application/ld+json" id="mortgage-rates-faq-jsonld">{"@context":"https://schema.org","@type":"FAQPage","@id":"custom-quotes-faq-jsonld","mainEntity":[{"@context":"http://schema.org","@type":"Question","name":"What is a mortgage rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">A mortgage rate is a percentage of the total loan amount (i.e. the rate of interest) paid by the borrower to the lender for the term of the loan. Fixed mortgage rates stay the same for the term of the mortgage, while variable mortgage rates fluctuate with a benchmark interest rate that is updated publicly to reflect the cost of borrowing money in different markets.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"How are mortgage rates determined?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">Mortgage rates are set by the lender. The lender will consider a number of factors in determining a borrower's mortgage rate, such as the borrower's credit history, down payment amount or the home's value. Inflation, job growth and other economic factors outside the borrower's control that can increase risk also play a part in how the lender sets their rates. There is no exact formula, which is why mortgage rates typically vary from lender to lender.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"How to compare mortgage rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 QttKH\">While online tools, <a href=\"#top\" class=\"Anchor-c11n-8-105-0__sc-hn4bge-0 lkdncL\">such as our mortgage rate comparison tool above</a>, allow you to compare current average mortgage rates by answering a few questions, you'll still want to compare official Loan Estimates from at least three different lenders to ensure you are getting the best mortgage rate with the lowest monthly payment.</p><p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">After applying for a mortgage, the lender will provide a Loan Estimate with details about the loan. Pay specific attention to which lender has the lowest mortgage rate, APR, and projected principal and interest payment. Then review the Origination Charges located on the Loan Estimate under Loan Costs to see how much the lender is charging in fees (also reflected in the APR). The higher the fees and APR, the more the lender is charging to procure the loan. The remaining costs are generally applicable to all lenders, as they are determined by services and policies the borrower chooses, in addition to local taxes and government charges.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"What is the difference between interest rate and APR?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">Interest rate is a percentage of the total loan balance paid to the lender on a monthly basis (i.e. the cost of borrowing money from the lender). The annual percentage rate, or APR, is the total borrowing cost as a percentage of the loan amount, which includes the interest rate plus any additional fees like discount points and other costs associated with procuring the loan.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"What is a mortgage point?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">Some lenders may use the word "points" to refer to any upfront fee that is calculated as a percentage of your loan amount. Point is a term that mortgage lenders have used for many years and while some points may lower your interest rate, not all points impact your rate. Mortgage points can be found on the Loan Estimate that the lender provides after you apply for a mortgage.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"What are origination fees?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">An origination fee is what the lender charges the borrower for making the mortgage loan. The fee may include processing the application, underwriting and funding the loan as well as other administrative services. Origination fees generally do not increase unless under certain circumstances, such as if you decide to go with a different type of loan. For example, moving from a conventional to a VA loan. You can find origination fees on the Loan Estimate.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"What is a discount point?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">Discount points are optional fees paid at closing that lower your interest rate. Essentially, discount points let you make a tradeoff between your closing cost fees and your monthly payment. By paying discount points, you pay more in fees upfront but receive a lower interest rate, which lowers your monthly payment so you pay less over time. Any discount points purchased will be listed on the Loan Estimate.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"How much is a mortgage point?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">Each point equals 1% of the loan amount. For example, one point on a $100,000 loan would be 1% of the loan amount or $1,000. Two points would be 2% of the loan amount or $2,000.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"How much does 1 point lower your interest rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">The exact amount that your interest rate is reduced depends on the lender, the type of loan, and the overall mortgage market. Sometimes you may receive a relatively large reduction in your interest rate for each point paid. Other times, the reduction in interest rate for each point paid may be smaller. Each lender has their own pricing structure, and some lenders may be more or less expensive overall than other lenders - regardless of whether you're paying points or not. When comparing offers from different lenders, ask for the same amount of points or credits from each lender to see the difference in mortgage rates.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"What is a lender credit?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">A lender credit is when a lender gives you money to offset your closing costs. Sometimes this is an exchange for a higher interest rate. When you receive lender credits in exchange for a higher interest rate, you pay less upfront but pay more over time because of the higher interest.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"What is a mortgage rate lock?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">A mortgage rate lock (or "lock-in") means that your interest rate won't change between the day your rate is locked and closing as long as you close within the specified timeframe of the rate lock, and there are no changes to your application. If your interest rate is locked, your rate won't change as a result of market fluctuations, but it can still change if there are changes in your application - such as your loan amount, credit score or verified income.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"When should I lock in my mortgage rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">When you feel like you're receiving the best mortgage rate possible and you're worried the rate may increase, it may be a good idea to lock in your rate. Mortgage rates change daily, sometimes even hourly, which is why it's ideal to lock-in the mortgage rate when interest rates are at their lowest.</p>"}},{"@context":"http://schema.org","@type":"Question","name":"How does the Federal Reserve affect mortgage rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hbriRW\">Home loans with variable rates like adjustable-rate mortgages (ARM) and home equity line of credit loans (HELOC) are indirectly tied to the federal funds rate. When the federal funds rates increase, it becomes more expensive for banks to borrow from other banks. The higher costs for the bank can mean a higher interest rate on your mortgage. ARM loans that are in their fixed period (non-variable state) are not impacted by this increase. However if you suspect a federal increase is about to happen or it has just happened, you'll want to move fast if you're looking to make changes or have yet to lock in a fixed-rate mortgage.</p>"}}]}</script><meta name="next-head-count" content="18"/><noscript data-n-css=""></noscript><link rel="preload" href="/static-mortgage/_next/static/chunks/webpack-353693798d4df4d6db72.js" as="script"/><link rel="preload" href="/static-mortgage/_next/static/chunks/framework.222d186748152eeadac3.js" as="script"/><link rel="preload" href="/static-mortgage/_next/static/chunks/f6078781a05fe1bcb0902d23dbbb2662c8d200b3.55235fb8c8475416aa24.js" as="script"/><link rel="preload" href="/static-mortgage/_next/static/chunks/main-1108c5e35da806591aba.js" as="script"/><link rel="preload" href="/static-mortgage/_next/static/chunks/pages/_app-c76c914a4c2754e283b8.js" as="script"/><link rel="preload" href="/static-mortgage/_next/static/chunks/75fc9c18.de5d9e8b981c911e6689.js" as="script"/><link rel="preload" 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kNnbmG"><div><div id="page-header-container"><style> .search-page #wrapper.main-wrapper { padding-top: 0; } .search-page #wrapper .property-data-column { top: 100px; } .search-page .zsg-searchbox .yui3-aclist { left: 10px !important; } body { padding-top: 0px !important; } /* Hide the logo on responsive search page mobile */ @media all and (max-width: 768px) { .mobile-search-page .dismiss-region-control, .mobile-search-page .draw-search-control { bottom: 50px; } } @media all and (min-width: 769px) { /* Old Search Page Desktop View */ .search-page #search-anchor.zsg-nav-sub { padding-left: 0px !important; } .search-page .zsg-nav-sub-wrapper { margin-top: 0px; } .search-page #wrapper #c-column.property-data-column { top: 130px; } /* New Search Page Desktop */ body.responsive-search-page .search-page-wide-header { margin-left: 0; margin-top: 0; width: 100%; position: relative; } body.responsive-search-page:not(.mobile-web) #wrapper div[data-zrr-key='static-search-page:search-app'] { height: calc(100% - 80px); } body.responsive-search-page .search-page-tablet-header { margin-left: 15px; margin-top: -32px; width: 100%; } body.responsive-search-page .search-page-tablet-header .wow-exposed-filters:not(.pinned) .react-exposed-filters-action-bar { margin-left: -230px; width: auto; } body.responsive-search-page .search-page-tablet-header .wow-exposed-filter .filter-button-popover { right: auto; } body.responsive-search-page .wow-exposed-filters.pinned { top: 15px; } } /* Fixes for Home Values and School Search bar */ @media all and (max-width: 768px) { .search-form-wrapper .searchbar-top { left: 75px; padding-top: 8px; width: calc(100% - 90px); } .znav-masked .search-form-wrapper .searchbar-top { display: none; } } /* Rough Fixes for the HDP lightbox back bar. */ #search-back-link.zss-header, body:not(.hdp-double-scroll-layout) #home-details-render #mobile-back-link { background: white; } .hdp-classic-layout #content #mobile-back-link { display: none; } @media screen and (min-width: 769px) and (max-width: 1024px) { body.responsive-search-page:not(.mobile-web) div[data-zrr-key='static-search-page:search-app'] { padding-top: 0px; } } .znav .search-page-header-container { left: 81px; top: 13px; } /* ZSG Subnav Overrides */ @media all and (min-width: 768px) { div.zsg-nav-sub-wrapper { margin-top: 0px; } body:not(.mobile-web) div.zsg-nav-sub-wrapper { margin-top: 0px !important; } } body:not(.nav-full-width) div.zsg-nav-sub-wrapper .zsg-nav-sub { padding-left: 4px; } /* Mobile Nav Fix for the DS HDP */ body.znav-force-mobile-layout .ds-nav-bar .znav-mobile-open .znav-links { max-height: 100vh; height: calc(100vh - 50px); } /* app-upsell overrides */ body.mobile-search-page.mobile-web .app-upsell-wrapper { position: fixed; } </style><a href="#skip-topnav-target" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__sc-1gc6ow0-0 bvsoZA jmabun"><span>Skip main navigation</span></a><header data-mobilenavopen="false" data-zg-rule="topnav" class="pfs__sc-80tljk-0 pfs__sc-1chonea-0 BzMht hXnJYt znav "><div class="pfs__q0n616-0 dFxnrO znav-mask"></div><nav role="navigation" data-za-category="TopNav" aria-label="main" data-display-my-zillow="true" class="pfs__bqajy9-0 eSenDS"><div class="pfs__sc-7lof6w-0 iaJNFF"><button class="pfs__sc-103s6w0-0 hnwvIT hamburger hamburger" type="button" aria-label="Open navigation"><span class="pfs__sc-103s6w0-1 gkOmOu"><span class="pfs__sc-103s6w0-2 ixkqdg"></span></span></button><a href="/" aria-label="Zillow Real Estate" accessKey="1" data-za-action="Zillow logo click" data-za-category="!inherit" version="DEFAULT" width="120" height="25" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__j60ma-0 bvsoZA gmnfCD znav-topnav-logo"><img src="https://static.qa.zillow.net/s3/pfs/static/z-logo-default.svg" type="image/svg+xml" alt="Zillow logo" focusable="false" height="25" width="120" class="pfs__j60ma-1 hiOroW" loading="eager" decoding="auto"/></a><ul data-zg-section="reg-login" data-display-my-zillow="true" class="pfs__sc-1elvxkv-1 pfs__sc-1elvxkv-2 pfs__sc-98mhij-0 kCGanX eCICw jrukZZ"><li class="pfs__sc-585qe5-0"><a class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__sc-1dpbk03-0 bvsoZA bwzhb" href="/user/acct/login/" data-za-action="Sign in" data-za-category="!inherit" data-active="false" data-zg-role="section-title"><div class="pfs__sc-1etb9mm-2 giMoY"><svg viewBox="0 0 32 32" aria-hidden="true" data-zg-section="reg-login" class="Icon-c11n-8-105-0__sc-13llmml-0 ibCVFp pfs__sc-1etb9mm-0 euoiVy" focusable="false" role="img"><path stroke="none" d="M15.955,4a5.038,5.038,0,0,1,5,5.065V10.5a7.851,7.851,0,0,1-2.393,5.322,2,2,0,0,0,.982,3.431l2.021.388c4.2,1.013,6.39,2.956,6.39,4.358v4h-24V24c0-1.406,2.21-3.359,6.391-4.359l1.995-.432a2,2,0,0,0,.944-3.415,7.71,7.71,0,0,1-2.33-5.293V9.064a5.037,5.037,0,0,1,5-5.064h0m0-2h0a7.031,7.031,0,0,0-7,7.065V10.5a9.685,9.685,0,0,0,2.963,6.754l-1.995.432C5.212,18.813,1.955,21.215,1.955,24v4a2,2,0,0,0,2,2h24a2,2,0,0,0,2-2V24c0-2.785-3.257-5.187-7.968-6.313l-2.065-.4A9.786,9.786,0,0,0,22.955,10.5V9.059a7.032,7.032,0,0,0-7-7.059Z"></path></svg></div><div class="pfs__sc-1etb9mm-1 lQSwl">Sign In</div></a></li><li class="pfs__sc-585qe5-0"><a class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__sc-1dpbk03-0 bvsoZA bwzhb" href="/user/acct/register/" data-za-action="Join" data-za-category="!inherit" data-active="false" data-zg-role="section-title"><span>Join </span></a></li></ul></div><div class="pfs__sc-1ve4drk-0 iBHnmF znav-links"><div class="pfs__sc-1vxjlvm-0 hrNwIz"><a href="/" title="Zillow Real Estate" data-za-action="Zillow logo click" data-za-category="!inherit" data-display-my-zillow="true" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">Homepage</a></div><ul data-zg-section="main" class="pfs__sc-1elvxkv-1 pfs__sc-1elvxkv-2 pfs__sc-1wickoz-0 kCGanX eCICw cEPJeu"><li class="pfs__sc-585qe5-0"><a class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__sc-1dpbk03-0 bvsoZA bwzhb" href="/homes/" data-za-action="Buy" data-za-category="!inherit" data-active="false" data-zg-role="section-title"><span>Buy </span></a><button type="button" aria-label="Open Buy sub-menu" class="pfs__sc-1psx3f8-0 eyrDW"><span class="VisuallyHidden-c11n-8-105-0__sc-t8tewe-0 bZPoBv">Open Buy sub-menu</span><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 iFnzmy"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg></button><div data-za-label="Buy"><div class="pfs__xukzw9-0 bTwlyA"><div data-zg-role="drop-down-content" class="pfs__xukzw9-1 gSaOWc"><ul class="pfs__xukzw9-2 ccTjfY"><li><h6 class="pfs__sc-1449t2l-0 devUbu">Homes For Sale</h6><ul class="pfs__c1z80u-0 kkneuv"><li><ul class="pfs__ryrjop-0 MtKQu"><li><a href="/homes/for_sale/" rel="" data-za-action="Homes for Sale" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Homes for Sale </span></a></li><li><a href="/homes/for_sale/fore_lt/pmf,pf_pt/" rel="" data-za-action="Foreclosures" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Foreclosures </span></a></li><li><a href="/homes/fsbo/" rel="" data-za-action="For Sale By Owner" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>For Sale By Owner </span></a></li><li><a href="/homes/for_sale/1_open/" rel="" data-za-action="Open Houses" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Open Houses </span></a></li></ul></li><li><ul class="pfs__ryrjop-0 MtKQu"><li><a href="/homes/new_homes/0_mmm/" rel="" data-za-action="New construction" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>New construction </span></a></li><li><a href="/homes/coming_soon/cmsn_lt/" rel="" data-za-action="Coming Soon" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Coming Soon </span></a></li><li><a href="/homes/recently_sold/" rel="" data-za-action="Recent home sales" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Recent home sales </span></a></li><li><a href="/browse/homes/" rel="" data-za-action="All Homes" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>All Homes </span></a></li></ul></li></ul></li><li><h6 class="pfs__sc-1449t2l-0 devUbu">Resources</h6><ul class="pfs__c1z80u-0 kkneuv"><li><ul class="pfs__ryrjop-0 MtKQu"><li><a href="/home-buying-guide/" rel="" data-za-action="Buyers Guide" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Buyers Guide </span></a></li><li><a href="/foreclosures/" rel="" data-za-action="Foreclosure center" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Foreclosure center </span></a></li><li><a href="/z/buying/app-download/" rel="" data-za-action="Real estate app" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Real estate app </span></a></li><li><a href="/change-your-address/" rel="" data-za-action="Change your address" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Change your address </span></a></li></ul></li></ul></li></ul></div></div></div></li><li class="pfs__sc-585qe5-0"><a class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__sc-1dpbk03-0 bvsoZA bwzhb" href="/homes/for_rent/" data-za-action="Rent" data-za-category="!inherit" data-active="false" data-zg-role="section-title"><span>Rent </span></a><button type="button" aria-label="Open Rent sub-menu" class="pfs__sc-1psx3f8-0 eyrDW"><span class="VisuallyHidden-c11n-8-105-0__sc-t8tewe-0 bZPoBv">Open Rent sub-menu</span><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 iFnzmy"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg></button><div data-za-label="Rent"><div class="pfs__xukzw9-0 bTwlyA"><div data-zg-role="drop-down-content" class="pfs__xukzw9-1 gSaOWc"><ul class="pfs__xukzw9-2 ccTjfY"><li><h6 class="pfs__sc-1449t2l-0 devUbu">Discover rentals</h6><ul class="pfs__c1z80u-0 kkneuv"><li><ul class="pfs__ryrjop-0 MtKQu"><li><a href="/homes/for_rent/condo,apartment_duplex_type/" rel="" data-za-action="Apartments for rent" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Apartments for rent </span></a></li><li><a href="/homes/for_rent/" rel="" data-za-action="Houses for rent" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Houses for rent </span></a></li><li><a href="/homes/for_rent/" rel="" data-za-action="All rental listings" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>All rental listings </span></a></li><li><a href="/browse/b/" rel="" data-za-action="All rental buildings" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>All rental buildings </span></a></li></ul></li></ul></li><li><h6 class="pfs__sc-1449t2l-0 devUbu">Your search</h6><ul class="pfs__c1z80u-0 kkneuv"><li><ul class="pfs__ryrjop-0 MtKQu"><li><a href="/myzillow/SavedSearches" rel="" data-za-action="Saved searches" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Saved searches </span></a></li><li><a href="/renter-hub/inbox/" rel="" data-za-action="Messages" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Messages </span></a></li><li><a href="/renting/" rel="" data-za-action="Contacted rentals" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Contacted rentals </span></a></li><li><a href="/renter-hub/applications/" rel="" data-za-action="Applications" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Applications </span></a></li></ul></li></ul></li><li><h6 class="pfs__sc-1449t2l-0 devUbu">Your rental</h6><ul class="pfs__c1z80u-0 kkneuv"><li><ul class="pfs__ryrjop-0 MtKQu"><li><a href="/renting/your-rental/" rel="" data-za-action="Overview" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Overview </span></a></li><li><a href="/renter-hub/payments/" rel="" data-za-action="Make a payment" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Make a payment </span></a></li><li><a href="/renting/your-rental/" rel="" data-za-action="Your lease" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Your lease </span></a></li></ul></li></ul></li><li><h6 class="pfs__sc-1449t2l-0 devUbu">Resources</h6><ul class="pfs__c1z80u-0 kkneuv"><li><ul class="pfs__ryrjop-0 MtKQu"><li><a href="/rent/renter-search-center/" rel="" data-za-action="Rent with Zillow" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Rent with Zillow </span></a></li><li><a href="/rent/rent-payments-reporting/" rel="" data-za-action="Build your credit" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Build your credit </span></a></li><li><a href="/rent/renters-insurance/" rel="" data-za-action="Renters insurance" data-za-label="!inherit" data-za-category="!inherit" 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data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Sellers Guide </span></a></li></ul></li></ul></li><li><h6 class="pfs__sc-1449t2l-0 devUbu">Post a home for sale</h6><ul class="pfs__c1z80u-0 kkneuv"><li><ul class="pfs__ryrjop-0 MtKQu"><li><a href="/post-real-estate-listings/" rel="" data-za-action="For sale by agent" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>For sale by agent </span></a></li><li><a href="/for-sale-by-owner/" rel="" data-za-action="For sale by owner" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>For sale by owner </span></a></li><li><a href="/coming-soon/" rel="" data-za-action="Coming soon" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Coming soon </span></a></li><li><a href="/make-me-move/" rel="" data-za-action="Make me move" data-za-label="!inherit" data-za-category="!inherit" class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__ulmj52-0 bvsoZA gBaTsW"><span>Make me move </span></a></li></ul></li></ul></li></ul></div></div></div></li><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-cPiKLX hnFtOG"><div data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-gEvEer gQEDaB"><a data-zg-role="section-title" data-za-action="Home Loans" data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/homeloans/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgagestopnav#source=Z_Mortgagestopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-aXZVg bvsoZA eMNRTu">Home Loans</a><button data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" aria-label="Open Home Loans sub-menu" class="sc-eqUAAy hGFTXX"><span class="VisuallyHidden-c11n-8-105-0__sc-t8tewe-0 bZPoBv">Open Home Loans sub-menu</span><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 hvAGzC"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg></button></div><div data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-jXbUNg grxyw"><ul data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-jEACwC cxzvUm"><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-fqkvVR cJbGtK"><div data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dcJsrY iBja-dG"><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 eXoxDf"><svg viewBox="0 0 44 44" aria-hidden="true" data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" focusable="false" role="img" status="info" class="DetailedIcon-c11n-8-105-0__sc-1u552bz-0 ckXJds"><g><path class="DetailedIcon__secondary-color-fill" d="M34.1,17.2,20.645,4.533a2.667,2.667,0,0,0-3.2,0L3.993,17.2a2.668,2.668,0,0,0-.948,2.039V39.333A2.667,2.667,0,0,0,5.711,42H32.378a2.667,2.667,0,0,0,2.667-2.667V19.24A2.666,2.666,0,0,0,34.1,17.2ZM24.378,39.333H13.711V28.667A2.667,2.667,0,0,1,16.378,26h5.333a2.667,2.667,0,0,1,2.667,2.667Z"/><rect class="DetailedIcon__accent-color-fill" x="22.365" y="25.37" width="5.05" height="10.1"/><path class="DetailedIcon__foreground-color-fill" d="M39.145,14.51,26.4,2.51a2.5,2.5,0,0,0-3.029,0l-12.75,12a2.515,2.515,0,0,0-.9,1.93V35.47A2.533,2.533,0,0,0,12.255,38h25.26a2.527,2.527,0,0,0,2.53-2.53V16.44A2.515,2.515,0,0,0,39.145,14.51ZM27.415,35.47h-5.05V25.37h5.05Zm10.1,0h-7.58V25.37a2.524,2.524,0,0,0-2.52-2.53h-5.05a2.527,2.527,0,0,0-2.53,2.53v10.1h-7.58V16.44l.05-.05.05-.04,12.53-11.8,12.53,11.8.05.04.05.05Z"/></g></svg></div><div><h6 data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="Text-c11n-8-105-0__sc-aiai24-0 sc-iGgWBj gkKJT JRRVA">Started a loan application?</h6><p data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT sc-gsFSXq dTgBfL">Pick up where you left off on your Zillow Home Loans dashboard.</p><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" role="link" href="/homeloans/mortgage/dashboard/login" class="StyledTextButton-c11n-8-105-0__sc-1nwmfqo-0 geYfBo sc-kAyceB ccTCjR">Home Loans dashboard<span class="TextButtonIcon-c11n-8-105-0__sc-1penltx-0 cOGtOO"><svg viewBox="0 0 32 32" aria-hidden="true" class="Icon-c11n-8-105-0__sc-13llmml-0 ibCVFp IconChevronRightOutline-c11n-8-105-0__sc-1yzayyv-0 iIuNgP" focusable="false" role="img"><path stroke="none" d="M29.7 8.8a1 1 0 00-1.4 0L16 21 3.7 8.8a1 1 0 00-1.4 0 1 1 0 000 1.4l13 13a1 1 0 001.4 0l13-13a1 1 0 000-1.4z"></path></svg></span></a></div></div></li><li data-zg-subsection="Touring homes & making offers" data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-cwHptR fKcMnN"><h6 data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kpJwzw sc-dhKdcB bvGjCc">Touring homes & making offers</h6><ul data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-kpDqfm dolDen"><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/homeloans/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav#source=Z_Mortgageshovertopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">Discover Zillow Home Loans</a></li><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/homeloans/eligibility/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav&zga_z_guid=undefined" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">See how much you qualify for</a></li><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/mortgage-calculator/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav#source=Z_Mortgageshovertopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">Estimate your monthly payment</a></li></ul></li><li data-zg-subsection="Just getting started" data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-cwHptR fKcMnN"><h6 data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kpJwzw sc-dhKdcB bvGjCc">Just getting started</h6><ul data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-kpDqfm dolDen"><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/mortgage-calculator/house-affordability/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav#source=Z_Mortgageshovertopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">Calculate your budget</a></li><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/learn/category/financing/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav#source=Z_Mortgageshovertopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">Learn about the mortgage process</a></li></ul></li><li data-zg-subsection="Explore more options" data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-cwHptR fKcMnN"><h6 data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kpJwzw sc-dhKdcB bvGjCc">Explore more options</h6><ul data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-kpDqfm dolDen"><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/mortgage-rates/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav#source=Z_Mortgageshovertopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">See today's rates</a></li><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/homeloans/refinance/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav&zga_z_guid=undefined" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">Refinance your home</a></li><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/mortgage-calculator/refinance-calculator/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav#source=Z_Mortgageshovertopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">Calculate your refinance savings</a></li><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/mortgages/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav#source=Z_Mortgageshovertopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">Leverage your home equity</a></li><li data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" class="sc-dAlyuH gvgMBT"><a data-microfrontend="ZHLHomeLoansMicrofrontend-main.52697443.32cb5a98" href="/lender-directory/?utm_source=zillow&utm_medium=referral&utm_campaign=Z_Mortgageshovertopnav#source=Z_Mortgageshovertopnav" class="Anchor-c11n-8-105-0__sc-hn4bge-0 sc-jlZhew bvsoZA iXdRya">Browse lenders in your area</a></li></ul></li></ul></div></li><li class="pfs__sc-585qe5-0"><a class="Anchor-c11n-8-105-0__sc-hn4bge-0 pfs__sc-1dpbk03-0 bvsoZA bwzhb" href="/professionals/real-estate-agent-reviews/" data-za-action="Find an Agent" data-za-category="!inherit" data-active="false" data-zg-role="section-title"><span>Find an Agent </span></a><button type="button" aria-label="Open Find an Agent 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data-zg-role="section-title"><span>Join </span></a></li></ul></div></nav></header><div id="skip-topnav-target" tabindex="-1"></div></div><main><div class="zgmi__sc-1x7kqem-0 bfTYiD"><div name="top" class="Spacer-c11n-8-105-0__sc-17suqs2-0 zgmi__sc-14mihzg-0 kRAcLC"></div></div><div class="StyledPageContent-c11n-8-105-0__sc-opuuk8-0 hLpmSG"><div id="additional-lenders-content"></div><div class="Flex-c11n-8-105-0__sc-n94bjd-0 bmeJvH"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 zgmi__sc-14mihzg-1 dCqeBf"><nav aria-label="Breadcrumb"><ol class="List-c11n-8-105-0__sc-1smrmqp-0 zgmi__sc-8xr37v-0 bxXtwb dCRFRc"><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 lgyfDE"><a href="https://www.zillow.com/mortgages/" class="StyledTextButton-c11n-8-105-0__sc-1nwmfqo-0 cElmOD">Mortgages</a></li><li aria-hidden="true" class="ListItem-c11n-8-105-0__sc-13rwu5a-0 jsHwHV">/</li><li aria-current="page" class="ListItem-c11n-8-105-0__sc-13rwu5a-0 lgyfDE">Today's Average Mortgage Rates</li></ol></nav></div></div><div><div class="StyledCard-c11n-8-105-0__sc-1w6p0lv-0 ggpCxy zgmi__sc-19b7d9k-0 cGGyuF"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 bOJEUp"><h2 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 jUUQFm">What are today's mortgage rates?</h2><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 zgmi__sc-14mihzg-2 hZBOJn"><span aria-expanded="false" aria-haspopup="dialog" class="Text-c11n-8-105-0__sc-aiai24-0 gkKJT"><button type="button" class="TriggerText-c11n-8-105-0__sc-d96jze-0 yCdlI">See legal disclosures</button></span></div></div><article><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kpJwzw"></h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 iUgPni">Last updated: </p></article><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 zgmi__sc-14mihzg-2 fyebUk lmEAsU"><span aria-expanded="false" aria-haspopup="dialog" class="Text-c11n-8-105-0__sc-aiai24-0 gkKJT"><button type="button" class="TriggerText-c11n-8-105-0__sc-d96jze-0 yCdlI">See legal disclosures</button></span></div></div></div><div><div class="StyledCard-c11n-8-105-0__sc-1w6p0lv-0 ggpCxy zgmi__sc-19b7d9k-0 cGGyuF"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 bOJEUp"><h2 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 jUUQFm">Mortgage rate trends</h2><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 zgmi__sc-14mihzg-2 hZBOJn"><span aria-expanded="false" aria-haspopup="dialog" class="Text-c11n-8-105-0__sc-aiai24-0 gkKJT"><button type="button" class="TriggerText-c11n-8-105-0__sc-d96jze-0 yCdlI">See legal disclosures</button></span></div></div><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 jDxQbN">Adjust the graph below to see historical mortgage rates tailored to your loan program, credit score, down payment and location.</p><div class="Flex-c11n-8-105-0__sc-n94bjd-0 iuWcOq"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hZtpMZ"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 fbENmh"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 lpRih"><fieldset class="StyledFieldSet-c11n-8-105-0__sc-151qck5-0 jBAPRz"><legend class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui Legend-c11n-8-105-0__sc-1fo3js-0 dkJtVB">LOAN PROGRAMS</legend><div class="StyledLabeledControl-c11n-8-105-0__sc-47exur-0 cVhVyu"><input id="programFixed30Year" type="checkbox" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN StyledCheckbox-c11n-8-105-0__sc-13jdanj-0 jRfStq" checked=""/><label for="programFixed30Year" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui"><span color="backgroundDarkGreen" class="zgmi__sc-180b06f-0 dyhteI">30 year fixed</span></label></div><div class="StyledLabeledControl-c11n-8-105-0__sc-47exur-0 cVhVyu"><input id="programFixed20Year" type="checkbox" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN StyledCheckbox-c11n-8-105-0__sc-13jdanj-0 jRfStq"/><label for="programFixed20Year" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui"><span color="backgroundDarkYellow" class="zgmi__sc-180b06f-0 hMCTiB">20 year fixed</span></label></div><div class="StyledLabeledControl-c11n-8-105-0__sc-47exur-0 cVhVyu"><input id="programFixed15Year" type="checkbox" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN StyledCheckbox-c11n-8-105-0__sc-13jdanj-0 jRfStq" checked=""/><label for="programFixed15Year" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui"><span color="backgroundDarkBlue" class="zgmi__sc-180b06f-0 qGixM">15 year fixed</span></label></div><div class="StyledLabeledControl-c11n-8-105-0__sc-47exur-0 cVhVyu"><input id="programFixed10Year" type="checkbox" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN StyledCheckbox-c11n-8-105-0__sc-13jdanj-0 jRfStq"/><label for="programFixed10Year" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui"><span color="backgroundDarkAqua" class="zgmi__sc-180b06f-0 dawQcF">10 year fixed</span></label></div><div class="StyledLabeledControl-c11n-8-105-0__sc-47exur-0 cVhVyu"><input id="programARM7" type="checkbox" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN StyledCheckbox-c11n-8-105-0__sc-13jdanj-0 jRfStq"/><label for="programARM7" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui"><span color="backgroundDarkOrange" class="zgmi__sc-180b06f-0 hMnhlS">7-year ARM</span></label></div><div class="StyledLabeledControl-c11n-8-105-0__sc-47exur-0 cVhVyu"><input id="programARM5" type="checkbox" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN StyledCheckbox-c11n-8-105-0__sc-13jdanj-0 jRfStq" checked=""/><label for="programARM5" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui"><span color="backgroundDarkPurple" class="zgmi__sc-180b06f-0 bCggGI">5-year ARM</span></label></div><div class="StyledLabeledControl-c11n-8-105-0__sc-47exur-0 cVhVyu"><input id="programARM3" type="checkbox" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN StyledCheckbox-c11n-8-105-0__sc-13jdanj-0 jRfStq"/><label for="programARM3" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui"><span color="backgroundDarkRed" class="zgmi__sc-180b06f-0 UAcea">3-year ARM</span></label></div></fieldset></div><div class="Flex-c11n-8-105-0__sc-n94bjd-0 lpRih"><div class="StyledFormField-c11n-8-105-0__sc-144pzcf-0 kMxhnc zgmi__sc-180b06f-1 dgAWNY"><label id="__c11n_rwez" for="refinance" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui">Loan purpose</label><select id="refinance" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN Select-c11n-8-105-0__sc-1p9r1r3-0 iQnfsp"><option value="false" selected="">Purchase</option><option value="true">Refinance</option></select></div><div class="StyledFormField-c11n-8-105-0__sc-144pzcf-0 kMxhnc zgmi__sc-180b06f-1 dgAWNY"><label id="__c11n_rwe12" for="creditScoreBucket" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui">Credit rating</label><select id="creditScoreBucket" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN Select-c11n-8-105-0__sc-1p9r1r3-0 iQnfsp"><option value="VeryHigh" selected="">740 or higher</option><option value="High">680 - 740</option><option value="Low">Less than 680</option></select></div><div class="StyledFormField-c11n-8-105-0__sc-144pzcf-0 kMxhnc zgmi__sc-180b06f-1 dgAWNY"><label id="__c11n_rwe15" for="loanToValueBucket" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui">Percent down</label><select id="loanToValueBucket" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN Select-c11n-8-105-0__sc-1p9r1r3-0 iQnfsp"><option value="Normal" selected="">20% or higher</option><option value="High">5% - 20%</option><option value="VeryHigh">Less than 5%</option></select></div><div class="StyledFormField-c11n-8-105-0__sc-144pzcf-0 kMxhnc zgmi__sc-180b06f-1 dgAWNY"><label id="__c11n_rwe18" for="stateAbbreviation" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui">Location</label><select id="stateAbbreviation" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN Select-c11n-8-105-0__sc-1p9r1r3-0 iQnfsp"><option value="US">United States</option><option value="AL">Alabama</option><option value="AK">Alaska</option><option value="AZ">Arizona</option><option value="AR">Arkansas</option><option value="CA">California</option><option value="CO">Colorado</option><option value="CT">Connecticut</option><option value="DE">Delaware</option><option value="FL">Florida</option><option value="GA">Georgia</option><option value="HI">Hawaii</option><option value="ID">Idaho</option><option value="IL">Illinois</option><option value="IN">Indiana</option><option value="IA">Iowa</option><option value="KS">Kansas</option><option value="KY">Kentucky</option><option value="LA">Louisiana</option><option value="ME">Maine</option><option value="MD">Maryland</option><option value="MA">Massachusetts</option><option value="MI">Michigan</option><option value="MN">Minnesota</option><option value="MS">Mississippi</option><option value="MO">Missouri</option><option value="MT">Montana</option><option value="NE">Nebraska</option><option value="NV">Nevada</option><option value="NH">New Hampshire</option><option value="NJ">New Jersey</option><option value="NM">New Mexico</option><option value="NY">New York</option><option value="NC">North Carolina</option><option value="ND">North Dakota</option><option value="OH">Ohio</option><option value="OK">Oklahoma</option><option value="OR">Oregon</option><option value="PA">Pennsylvania</option><option value="RI">Rhode Island</option><option value="SC">South Carolina</option><option value="SD">South Dakota</option><option value="TN">Tennessee</option><option value="TX">Texas</option><option value="UT">Utah</option><option value="VT">Vermont</option><option value="VA">Virginia</option><option value="WA">Washington</option><option value="WV">West Virginia</option><option value="WI">Wisconsin</option><option value="WY">Wyoming</option><option value="DC">Washington D.C.</option></select></div><div class="StyledFormField-c11n-8-105-0__sc-144pzcf-0 kMxhnc zgmi__sc-180b06f-1 dgAWNY"><label id="__c11n_rwe1b" for="durationDays" class="StyledLabel-c11n-8-105-0__sc-14wqmdp-0 hcbdui">Timespan</label><select id="durationDays" class="StyledFormControl-c11n-8-105-0__sc-w61kvv-0 hQTOLN Select-c11n-8-105-0__sc-1p9r1r3-0 iQnfsp"><option value="1">1 day</option><option value="7">7 days</option><option value="30">1 month</option><option value="90" selected="">3 months</option><option value="365">1 year</option><option value="730">2 years</option></select></div></div></div></div><figure role="group" class="Flex-c11n-8-105-0__sc-n94bjd-0 igWJRy"><div style="max-width:100vw;height:inherit;width:inherit"></div></figure></div><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 zgmi__sc-14mihzg-2 fyebUk lmEAsU"><span aria-expanded="false" aria-haspopup="dialog" class="Text-c11n-8-105-0__sc-aiai24-0 gkKJT"><button type="button" class="TriggerText-c11n-8-105-0__sc-d96jze-0 yCdlI">See legal disclosures</button></span></div></div></div><div><div class="StyledCard-c11n-8-105-0__sc-1w6p0lv-0 ggpCxy zgmi__sc-19b7d9k-0 cGGyuF"><div><div class="Flex-c11n-8-105-0__sc-n94bjd-0 bOJEUp"><h2 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 jUUQFm">Compare current mortgage rates by loan type</h2><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 zgmi__sc-14mihzg-2 hZBOJn"><span aria-expanded="false" aria-haspopup="dialog" class="Text-c11n-8-105-0__sc-aiai24-0 gkKJT"><button type="button" class="TriggerText-c11n-8-105-0__sc-d96jze-0 yCdlI">See legal disclosures</button></span></div></div><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hiZGxo">The table below is updated daily with current mortgage rates for the most common types of home loans. Compare week-over-week changes to mortgage rates and APRs.</p><div class="zgmi__ubp5bz-0 fCnLGL"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 djHXfv">Conforming loans</h3><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 ekAiJx"></div><div class="StyledTableResponsive-c11n-8-105-0__sc-goovyt-0 fzOrUc zgmi__rgbqc3-0 SVnFH"><table aria-label="Conforming loans average mortgage rates" class="StyledTable-c11n-8-105-0__sc-11t7upb-0 ezfPej"><thead class="StyledTableHeader-c11n-8-105-0__sc-1x6l2ce-0 ikKAKy"><tr class="StyledTableRow-c11n-8-105-0__sc-65t1u6-0 fshcOg"><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 ghtudA">PROGRAM</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">RATE</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">1W CHANGE</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">APR</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">1W CHANGE</th></tr></thead><tbody class="StyledTableBody-c11n-8-105-0__sc-f04mzl-0 hOONfI"></tbody></table></div></div><div class="zgmi__ubp5bz-0 fCnLGL"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 djHXfv">Government loans</h3><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 ekAiJx"></div><div class="StyledTableResponsive-c11n-8-105-0__sc-goovyt-0 fzOrUc zgmi__rgbqc3-0 SVnFH"><table aria-label="Government loans average mortgage rates" class="StyledTable-c11n-8-105-0__sc-11t7upb-0 ezfPej"><thead class="StyledTableHeader-c11n-8-105-0__sc-1x6l2ce-0 ikKAKy"><tr class="StyledTableRow-c11n-8-105-0__sc-65t1u6-0 fshcOg"><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 ghtudA">PROGRAM</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">RATE</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">1W CHANGE</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">APR</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">1W CHANGE</th></tr></thead><tbody class="StyledTableBody-c11n-8-105-0__sc-f04mzl-0 hOONfI"></tbody></table></div></div><div class="zgmi__ubp5bz-0 fCnLGL"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 djHXfv">Jumbo loans</h3><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 ekAiJx"></div><div class="StyledTableResponsive-c11n-8-105-0__sc-goovyt-0 fzOrUc zgmi__rgbqc3-0 SVnFH"><table aria-label="Jumbo loans average mortgage rates" class="StyledTable-c11n-8-105-0__sc-11t7upb-0 ezfPej"><thead class="StyledTableHeader-c11n-8-105-0__sc-1x6l2ce-0 ikKAKy"><tr class="StyledTableRow-c11n-8-105-0__sc-65t1u6-0 fshcOg"><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 ghtudA">PROGRAM</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">RATE</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">1W CHANGE</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">APR</th><th scope="col" class="StyledTableCell-c11n-8-105-0__sc-1ijd1ns-0 StyledTableHeaderCell-c11n-8-105-0__sc-187oiue-0 loITXP">1W CHANGE</th></tr></thead><tbody class="StyledTableBody-c11n-8-105-0__sc-f04mzl-0 hOONfI"></tbody></table></div></div><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 zgmi__sc-14mihzg-2 fyebUk lmEAsU"><span aria-expanded="false" aria-haspopup="dialog" class="Text-c11n-8-105-0__sc-aiai24-0 gkKJT"><button type="button" class="TriggerText-c11n-8-105-0__sc-d96jze-0 yCdlI">See legal disclosures</button></span></div></div></div></div><div><div class="StyledCard-c11n-8-105-0__sc-1w6p0lv-0 ggpCxy zgmi__sc-19b7d9k-0 cGGyuF"><h2 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 jUUQFm">What is a good mortgage interest rate?</h2><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">The best mortgage rate for you will depend on your financial situation. A home loan with a shorter term may have a lower interest rate but a higher monthly payment, while a home loan with an adjustable interest rate may have a lower interest rate at first but then change annually after a set period of time. For example, a 7-year ARM (adjustable-rate mortgage) has a set rate for the initial 7 years then adjusts annually for the remaining life of the loan (loan term), while a 30-year fixed-rate mortgage has a rate that stays the same over the loan term.</p></div></div><div><div class="StyledCard-c11n-8-105-0__sc-1w6p0lv-0 ggpCxy zgmi__sc-19b7d9k-0 cGGyuF"><h2 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 jUUQFm">How to get the best mortgage rate</h2><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 hiZGxo">Mortgage rates change daily and can vary widely depending on a variety of factors, including the borrower's personal situation. The difference in mortgage rates can mean spending tens of thousands of dollars more (or less) in interest over the life of the loan. Here are some tactics to help you find the best mortgage rate for your new home loan:</p><ul class="List-c11n-8-105-0__sc-1smrmqp-0 echflm"><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 fDPHuq"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 gxOSml"><div aria-hidden="true" class="StyledAvatar-c11n-8-105-0__sc-1581h9e-0 fKcbVp zgmi__sc-1lhwwmi-0 hFVqID"><span class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kjwucc">1</span></div><div class="Flex-c11n-8-105-0__sc-n94bjd-0 lmvOSr"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 djHXfv">Shop around for a lender</h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 cyleCV">Using the lender your real estate agent typically works with doesn't guarantee you'll get the best mortgage rate for your home loan. Ask around for recommendations or use an <a href="https://www.zillow.com/mortgages/?source=CQ_LandingPage_Mortgage" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">online tool to find a lender</a> who can provide you with a loan that is best for your situation.</p></div></div></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 fDPHuq"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 gxOSml"><div aria-hidden="true" class="StyledAvatar-c11n-8-105-0__sc-1581h9e-0 fKcbVp zgmi__sc-1lhwwmi-0 hFVqID"><span class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kjwucc">2</span></div><div class="Flex-c11n-8-105-0__sc-n94bjd-0 lmvOSr"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 djHXfv">Compare lender fees</h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 cyleCV">Along with mortgage interest rates, each lender has fees and <a href="https://www.zillow.com/mortgage-learning/closing-costs/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">closing costs</a> that factor into the overall cost of the home loan. When choosing a lender, compare official Loan Estimates from at least three different lenders and specifically pay attention to which have the lowest rate and lowest APR. This will help you feel confident you are getting the best deal.</p></div></div></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 fDPHuq"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 gxOSml"><div aria-hidden="true" class="StyledAvatar-c11n-8-105-0__sc-1581h9e-0 fKcbVp zgmi__sc-1lhwwmi-0 hFVqID"><span class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kjwucc">3</span></div><div class="Flex-c11n-8-105-0__sc-n94bjd-0 lmvOSr"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 djHXfv">Increase your down payment</h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 cyleCV">Did you know that your down payment amount can have an impact on your mortgage rate? That's because mortgage rates are generally tiered, and typically lower rates are available for those with a down payment of 20% or more. If possible, check with your lender to see if increasing your down payment will lower your mortgage interest rate.</p></div></div></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 fDPHuq"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 gxOSml"><div aria-hidden="true" class="StyledAvatar-c11n-8-105-0__sc-1581h9e-0 fKcbVp zgmi__sc-1lhwwmi-0 hFVqID"><span class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kjwucc">4</span></div><div class="Flex-c11n-8-105-0__sc-n94bjd-0 lmvOSr"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 djHXfv">Improve your credit score</h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 cyleCV">Your credit score may affect the mortgage rate that the lender offers you. Generally, the higher your credit score, the lower the interest rate will be on your home loan. Before applying for a mortgage, review your credit score and get it in the best shape possible. <a href="https://www.zillow.com/mortgage-learning/fixing-bad-credit/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">Learn more about how to improve your credit score.</a></p></div></div></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 fDPHuq"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 gxOSml"><div aria-hidden="true" class="StyledAvatar-c11n-8-105-0__sc-1581h9e-0 fKcbVp zgmi__sc-1lhwwmi-0 hFVqID"><span class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 kjwucc">5</span></div><div class="Flex-c11n-8-105-0__sc-n94bjd-0 lmvOSr"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 djHXfv">Consider different types of home loans</h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 cyleCV">The 30-year fixed rate mortgage is the most common type of home loan, but there are additional <a href="https://www.zillow.com/mortgage-calculator/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">mortgage options </a>that may be more beneficial <a href="https://www.zillow.com/mortgage-learning/top-loan-types-for-unique-situations/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">depending on your situation.</a> For example, if you require a lower interest rate, adjustable-rate mortgages (ARM) offer a variable rate that may be initially lower than a 30-year fixed rate option but adjusts after a set period of time (usually 3, 5, 7 or 10 years). Given that ARM loans are variable, the interest rate could end up being higher than with a 30-year fixed rate mortgage that has a locked-in mortgage rate. A 15-year fixed rate mortgage, on the other hand, may offer a lower interest rate that won’t fluctuate like an ARM loan but requires a higher monthly payment compared to a 30-year fixed rate mortgage. Consider all your options and choose the home loan that is most comfortable for you.</p></div></div></li></ul></div></div><div><div class="StyledCard-c11n-8-105-0__sc-1w6p0lv-0 ggpCxy zgmi__sc-19b7d9k-0 cGGyuF"><h2 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 jUUQFm">Frequently asked questions about mortgages</h2><ul class="StyledAccordion-c11n-8-105-0__sc-158b3u3-0 jWwaqw zgmi__rkopr2-0 gsgUxA"><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1d" aria-expanded="false" id="__c11n_rwe1c" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">What is a mortgage rate?</h3></div></div><div aria-labelledby="__c11n_rwe1c" id="__c11n_rwe1d" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">A mortgage rate is a percentage of the total loan amount (i.e. the rate of interest) paid by the borrower to the lender for the term of the loan. Fixed mortgage rates stay the same for the term of the mortgage, while variable mortgage rates fluctuate with a benchmark interest rate that is updated publicly to reflect the cost of borrowing money in different markets.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1f" aria-expanded="false" id="__c11n_rwe1e" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">How are mortgage rates determined?</h3></div></div><div aria-labelledby="__c11n_rwe1e" id="__c11n_rwe1f" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">Mortgage rates are set by the lender. The lender will consider a number of factors in determining a borrower's mortgage rate, such as the borrower's credit history, down payment amount or the home's value. Inflation, job growth and other economic factors outside the borrower's control that can increase risk also play a part in how the lender sets their rates. There is no exact formula, which is why mortgage rates typically vary from lender to lender.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1h" aria-expanded="false" id="__c11n_rwe1g" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">How to compare mortgage rates?</h3></div></div><div aria-labelledby="__c11n_rwe1g" id="__c11n_rwe1h" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 kUCpIS">While online tools, <a href="#top" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">such as our mortgage rate comparison tool above</a>, allow you to compare current average mortgage rates by answering a few questions, you'll still want to compare official Loan Estimates from at least three different lenders to ensure you are getting the best mortgage rate with the lowest monthly payment.</p><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">After applying for a mortgage, the lender will provide a Loan Estimate with details about the loan. Pay specific attention to which lender has the lowest mortgage rate, APR, and projected principal and interest payment. Then review the Origination Charges located on the Loan Estimate under Loan Costs to see how much the lender is charging in fees (also reflected in the APR). The higher the fees and APR, the more the lender is charging to procure the loan. The remaining costs are generally applicable to all lenders, as they are determined by services and policies the borrower chooses, in addition to local taxes and government charges.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1j" aria-expanded="false" id="__c11n_rwe1i" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">What is the difference between interest rate and APR?</h3></div></div><div aria-labelledby="__c11n_rwe1i" id="__c11n_rwe1j" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">Interest rate is a percentage of the total loan balance paid to the lender on a monthly basis (i.e. the cost of borrowing money from the lender). The annual percentage rate, or APR, is the total borrowing cost as a percentage of the loan amount, which includes the interest rate plus any additional fees like discount points and other costs associated with procuring the loan.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1l" aria-expanded="false" id="__c11n_rwe1k" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">What is a mortgage point?</h3></div></div><div aria-labelledby="__c11n_rwe1k" id="__c11n_rwe1l" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">Some lenders may use the word "points" to refer to any upfront fee that is calculated as a percentage of your loan amount. Point is a term that mortgage lenders have used for many years and while some points may lower your interest rate, not all points impact your rate. Mortgage points can be found on the Loan Estimate that the lender provides after you apply for a mortgage.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1n" aria-expanded="false" id="__c11n_rwe1m" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">What are origination fees?</h3></div></div><div aria-labelledby="__c11n_rwe1m" id="__c11n_rwe1n" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">An origination fee is what the lender charges the borrower for making the mortgage loan. The fee may include processing the application, underwriting and funding the loan as well as other administrative services. Origination fees generally do not increase unless under certain circumstances, such as if you decide to go with a different type of loan. For example, moving from a conventional to a VA loan. You can find origination fees on the Loan Estimate.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1p" aria-expanded="false" id="__c11n_rwe1o" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">What is a discount point?</h3></div></div><div aria-labelledby="__c11n_rwe1o" id="__c11n_rwe1p" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">Discount points are optional fees paid at closing that lower your interest rate. Essentially, discount points let you make a tradeoff between your closing cost fees and your monthly payment. By paying discount points, you pay more in fees upfront but receive a lower interest rate, which lowers your monthly payment so you pay less over time. Any discount points purchased will be listed on the Loan Estimate.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1r" aria-expanded="false" id="__c11n_rwe1q" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">How much is a mortgage point?</h3></div></div><div aria-labelledby="__c11n_rwe1q" id="__c11n_rwe1r" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">Each point equals 1% of the loan amount. For example, one point on a $100,000 loan would be 1% of the loan amount or $1,000. Two points would be 2% of the loan amount or $2,000.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1t" aria-expanded="false" id="__c11n_rwe1s" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">How much does 1 point lower your interest rate?</h3></div></div><div aria-labelledby="__c11n_rwe1s" id="__c11n_rwe1t" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">The exact amount that your interest rate is reduced depends on the lender, the type of loan, and the overall mortgage market. Sometimes you may receive a relatively large reduction in your interest rate for each point paid. Other times, the reduction in interest rate for each point paid may be smaller. Each lender has their own pricing structure, and some lenders may be more or less expensive overall than other lenders - regardless of whether you're paying points or not. When comparing offers from different lenders, ask for the same amount of points or credits from each lender to see the difference in mortgage rates.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1v" aria-expanded="false" id="__c11n_rwe1u" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">What is a lender credit?</h3></div></div><div aria-labelledby="__c11n_rwe1u" id="__c11n_rwe1v" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">A lender credit is when a lender gives you money to offset your closing costs. Sometimes this is an exchange for a higher interest rate. When you receive lender credits in exchange for a higher interest rate, you pay less upfront but pay more over time because of the higher interest.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1x" aria-expanded="false" id="__c11n_rwe1w" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">What is a mortgage rate lock?</h3></div></div><div aria-labelledby="__c11n_rwe1w" id="__c11n_rwe1x" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">A mortgage rate lock (or "lock-in") means that your interest rate won't change between the day your rate is locked and closing as long as you close within the specified timeframe of the rate lock, and there are no changes to your application. If your interest rate is locked, your rate won't change as a result of market fluctuations, but it can still change if there are changes in your application - such as your loan amount, credit score or verified income.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe1z" aria-expanded="false" id="__c11n_rwe1y" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">When should I lock in my mortgage rate?</h3></div></div><div aria-labelledby="__c11n_rwe1y" id="__c11n_rwe1z" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">When you feel like you're receiving the best mortgage rate possible and you're worried the rate may increase, it may be a good idea to lock in your rate. Mortgage rates change daily, sometimes even hourly, which is why it's ideal to lock-in the mortgage rate when interest rates are at their lowest.</p></div></li><li class="StyledAccordionItem-c11n-8-105-0__sc-10xpf1n-0 hmQOEx"><div aria-controls="__c11n_rwe21" aria-expanded="false" id="__c11n_rwe20" tabindex="0" role="button" class="StyledAccordionHeader-c11n-8-105-0__sc-pqgos7-0 jBnPQs"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 cpnYvH"><path stroke="none" d="M29.41 8.59a2 2 0 00-2.83 0L16 19.17 5.41 8.59a2 2 0 00-2.83 2.83l12 12a2 2 0 002.82 0l12-12a2 2 0 00.01-2.83z"></path></svg><div class="Flex-c11n-8-105-0__sc-n94bjd-0 hqXbA-D"><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 iLDjKS">How does the Federal Reserve affect mortgage rates?</h3></div></div><div aria-labelledby="__c11n_rwe20" id="__c11n_rwe21" hidden="" role="region" class="StyledAccordionPanel-c11n-8-105-0__sc-1n2fcl1-0 bthiNz"><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 gkKJT">Home loans with variable rates like <a href="https://www.zillow.com/mortgage-learning/adjustable-rate-mortgage/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">adjustable-rate mortgages</a> (ARM) and <a href="https://www.zillow.com/mortgage-learning/home-equity-line-credit-heloc/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">home equity line of credit loans</a> (HELOC) are indirectly tied to the federal funds rate. When the <a href="https://www.zillow.com/mortgage-learning/rising-fed-rates-homeowners/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">federal funds rates increase</a>, it becomes more expensive for banks to borrow from other banks. The higher costs for the bank can mean a higher interest rate on your mortgage. ARM loans that are in their fixed period (non-variable state) are not impacted by this increase. However if you suspect a federal increase is about to happen or it has just happened, you'll want to move fast if you're looking to make changes or have yet to lock in a fixed-rate mortgage.</p></div></li></ul></div></div><div><div class="StyledCard-c11n-8-105-0__sc-1w6p0lv-0 ggpCxy zgmi__sc-19b7d9k-0 cGGyuF"><h2 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 jUUQFm">Mortgage resources</h2><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 cesgPt"><ul class="List-c11n-8-105-0__sc-1smrmqp-0 zgmi__sc-1l7g797-0 echflm kwpdCb"><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 iJWmXl"><div class="zgmi__sc-1l7g797-1 eztPel"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 ibCVFp"><g stroke="none"><path d="M26,4V28H6V4H26m0-2H6A2,2,0,0,0,4,4V28a2,2,0,0,0,2,2H26a2,2,0,0,0,2-2V4a2,2,0,0,0-2-2Z"/><path d="M22,8v3H10V8H22m1.5-2H8.5a.5.5,0,0,0-.5.5v6a.5.5,0,0,0,.5.5h15a.5.5,0,0,0,.5-.5v-6a.5.5,0,0,0-.5-.5Z"/><path d="M11,16H9a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/><path d="M17,16H15a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/><path d="M17,20H15a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/><path d="M23,16H21a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/><path d="M11,20H9a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/><path d="M23,20H21a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/><path d="M17,24H15a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/><path d="M11,24H9a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/><path d="M23,24H21a1,1,0,0,0,0,2h2a1,1,0,0,0,0-2Z"/></g></svg></div><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 igyfKk">Mortgage calculator</h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 dCobIQ">Quickly estimate your monthly mortgage payments for a new home.</p><div class="zgmi__sc-1l7g797-2 dVnZdr"><a href="https://www.zillow.com/mortgage-calculator" class="StyledButton-c11n-8-105-0__sc-iv7357-0 kfMuSt">Calculate your mortgage</a></div></div></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 iJWmXl"><div class="zgmi__sc-1l7g797-1 eztPel"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 ibCVFp"><g stroke="none"><rect x="17" y="10" width="6" height="2" rx="1"/><path d="M26,4V28H6V4H26m0-2H6A2,2,0,0,0,4,4V28a2,2,0,0,0,2,2H26a2,2,0,0,0,2-2V4a2,2,0,0,0-2-2Z"/><path d="M14.73,7.78a.9.9,0,0,0-1.3,0l-2.21,2.36-.65-.69a.88.88,0,0,0-1.3,0,1,1,0,0,0,0,1.38l1.3,1.38a.87.87,0,0,0,1.3,0l2.86-3A1,1,0,0,0,14.73,7.78Z"/><path d="M14.73,14.78a.9.9,0,0,0-1.3,0l-2.21,2.36-.65-.69a.88.88,0,0,0-1.3,0,1,1,0,0,0,0,1.38l1.3,1.38a.87.87,0,0,0,1.3,0l2.86-3A1,1,0,0,0,14.73,14.78Z"/><rect x="17" y="17" width="6" height="2" rx="1"/><rect x="17" y="23" width="6" height="2" rx="1"/><rect x="10" y="23" width="4" height="2" rx="1"/></g></svg></div><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 igyfKk">Get pre-qualified</h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 dCobIQ">Need help financing a new home purchase? Find a lender to get pre-qualified for a mortgage.</p><div class="zgmi__sc-1l7g797-2 dVnZdr"><a href="https://www.zillow.com/mortgages/pre-qualify/?source=CQ_LandingPage_MortgageResources" class="StyledButton-c11n-8-105-0__sc-iv7357-0 kfMuSt">Find a lender</a></div><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 fgJljW"><span class="Text-c11n-8-105-0__sc-aiai24-0 bwUlek">Zillow Group Marketplace, Inc. NMLS #1303160</span></div></div></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><div class="Flex-c11n-8-105-0__sc-n94bjd-0 iJWmXl"><div class="zgmi__sc-1l7g797-1 eztPel"><svg viewBox="0 0 32 32" aria-hidden="true" focusable="false" role="img" class="Icon-c11n-8-105-0__sc-13llmml-0 ibCVFp"><path stroke="none" d="M27 4H5a3 3 0 00-3 3v12a3 3 0 003 3h3v6a1 1 0 000 .4 1 1 0 00.6.5 1 1 0 00.8 0 1 1 0 00.3-.2l6.7-6.7H27a3 3 0 003-3V7a3 3 0 00-3-3zm1 15a1 1 0 01-1 1H16a1 1 0 00-.7.3L10 25.6V22a2 2 0 00-2-2H5a1 1 0 01-1-1V7a1 1 0 011-1h22a1 1 0 011 1z"></path></svg></div><h3 class="Text-c11n-8-105-0__sc-aiai24-0 StyledHeading-c11n-8-105-0__sc-s7fcif-0 igyfKk">Get a custom quote</h3><p class="Text-c11n-8-105-0__sc-aiai24-0 StyledParagraph-c11n-8-105-0__sc-e666if-0 dCobIQ">See current mortgage rates from multiple lenders to get a customized quote.</p><div class="zgmi__sc-1l7g797-2 dVnZdr"><a href="https://www.zillow.com/mortgage-rates/quotes/?source=CQ_LandingPage_MortgageResources" class="StyledButton-c11n-8-105-0__sc-iv7357-0 kfMuSt">Compare mortgage rates</a></div><div class="Spacer-c11n-8-105-0__sc-17suqs2-0 fgJljW"><span class="Text-c11n-8-105-0__sc-aiai24-0 bwUlek">Zillow Group Marketplace, Inc. 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class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">Idaho</a></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><a href="https://www.zillow.com/mortgage-rates/il/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">Illinois</a></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><a href="https://www.zillow.com/mortgage-rates/in/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">Indiana</a></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><a href="https://www.zillow.com/mortgage-rates/ia/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">Iowa</a></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><a href="https://www.zillow.com/mortgage-rates/ks/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">Kansas</a></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><a href="https://www.zillow.com/mortgage-rates/ky/" class="Anchor-c11n-8-105-0__sc-hn4bge-0 bvsoZA">Kentucky</a></li><li class="ListItem-c11n-8-105-0__sc-13rwu5a-0 bEewmc"><a 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