CINXE.COM

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Check rates today to learn more about the latest 30-year mortgage rates."><meta name="Category" content="mortgages"><meta name="pageuuid" content="16c2cec7-b3c7-4fc5-9ac2-6b35af0668bf"><meta name="ContentSrc" content="sb:187544298"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/mortgages/30-year-mortgage-rates/"><meta name="robots" content="index, follow"><meta property="og:title" content="Compare Today's 30-Year Mortgage Rates | Bankrate"><meta property="og:description" content="Find and compare 30-year mortgage rates and choose your preferred lender. Check rates today to learn more about the latest 30-year mortgage rates."><meta property="og:url" content="https://www.bankrate.com/mortgages/30-year-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="Compare 30-Year Mortgage Rates Today | Bankrate"><meta name="twitter:description" content="Find and compare 30-year mortgage rates and choose your preferred lender. Check rates today to learn more about the latest 30-year mortgage rates."><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 30-year fixed-rate mortgage and how does it work?","acceptedAnswer":{"@type":"Answer","text":"With a 30-year fixed-rate mortgage, your mortgage rate stays the same for every one of your 360 monthly payments. The benefits of that feature become apparent over time: As overall prices rise and your income grows, your mortgage payment stays the same.One twist to 30-year mortgages comes from the calculus behind the amortization schedule: In the early years of a 30-year loan, you pay much more interest than principal. Learn more: Guide to fixed-rate mortgages"}},{"@type":"Question","name":"When should I lock in my 30-year mortgage rate?","acceptedAnswer":{"@type":"Answer","text":"Mortgage rates are volatile, so the decision to lock your rate is a bit of a gamble. Lock in too early, and you might miss the opportunity for a better rate. Rate locks often last from 30 days to 60 days, though they sometimes last 120 days. Some lenders offer a free rate lock for a specified period.A longer rate lock tends to be more expensive. For example, a borrower who chooses a 30-day lock on a fixed-rate 30-year loan might pay a 4 percent rate and zero points, while a 60-day lock might cost 1 point (equal to 1 percent of the loan) or a slightly higher rate with a half-point.Learn more: Guide to mortgage rate locks"}},{"@type":"Question","name":"What are other types of home loans to consider?","acceptedAnswer":{"@type":"Answer","text":"Although 30-year fixed-rate mortgages are the most common type of loan, you might want to explore other options, such as: 15-year fixed-rate loan: A 15-year mortgage is similar to a 30-year loan, but you’ll repay it over 15 years instead of 30. That means you’ll have higher monthly payments, but there’s a tradeoff: You’ll get a lower rate, and pay your loan off sooner. 10-year or 20-year loan: Some borrowers opt for a 10-year or 20-year mortgage, repaid over 10 years or 20 years, respectively. This might be an option if you’re refinancing mid-way or more through the term of your first mortgage. Flexible-term loan: Many lenders offer conventional loans in terms between eight years and 29 years. You might want to go this route if you want more flexibility with your loan structure. 5/1 adjustable-rate mortgage (ARM): Most 5/1 ARMs come with 30-year terms, but you’ll pay a lower fixed introductory rate for the first five years. After that, your rate will increase or decrease once a year based on prevailing market rates. While you’ll save money initially, a 5/1 ARM makes sense only if you know you’ll move within five years, or have a plan to refinance to another loan before the first rate reset. Otherwise, you’ll need to prepare for unpredictable monthly payments. Learn more: Types of mortgage loans"}},{"@type":"Question","name":"How can I refinance my 30-year mortgage?","acceptedAnswer":{"@type":"Answer","text":"When interest rates fall, you might choose to refinance your mortgage 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.While most borrowers today have mortgages with already-low rates, there are still some instances when refinancing might make sense. 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. 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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="/banking/checking/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/2024/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 2024" data-outcome="send to link" > Best banks of 2024</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="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 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, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($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 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</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 - 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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 - 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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 - 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<div data-pre-v1 x-data="preZipCode('0')" class="gutter"> <div class="MortgagePreV1 wrapper display-flex flex-direction-column mb-2 align-items-center" x-init="$nextTick(() => { if (new URLSearchParams(window.location.search).get('disablePre')) { document.getElementById('skip-and-show-rates') .dispatchEvent(new MouseEvent('click')); } })"> <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="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-slate font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('61zR7N')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-61zR7N" aria-controls="tooltip-content-61zR7N" x-bind="trigger"> Jeff Ostrowski</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-61zR7N" aria-hidden="true" aria-labelledby="tooltip-trigger-61zR7N" 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 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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" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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<div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('HB4VN8')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-HB4VN8" aria-controls="tooltip-content-HB4VN8" x-bind="trigger"> Suzanne De Vita</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-HB4VN8" aria-hidden="true" aria-labelledby="tooltip-trigger-HB4VN8" 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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/suzanne-de-vita/" class="Link Link--standalone text-black"> Suzanne De Vita</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div 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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> Mortgages</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" 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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"> 12 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Suzanne De Vita is a senior editor on Bankrate’s Home Lending team, focusing on mortgage and real estate topics for homebuyers, homeowners, investors and renters.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/suzanne-de-vita/" 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/suzanne-de-vita/" target="_blank" rel="nofollow" aria-label="Connect with Suzanne De Vita on LinkedIn" data-beam-element-clicked id="author_bio_suzanne_de_vita_linkedin_icon" data-type="icon" data-location="author_bio_suzanne_de_vita" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn 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href="https://www.bankrate.com/authors/suzanne-de-vita/" class="text-link text-black plain font-circular-bold ">Suzanne De Vita</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="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('VgU7eW')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-VgU7eW" aria-controls="tooltip-content-VgU7eW" 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-VgU7eW" aria-hidden="true" aria-labelledby="tooltip-trigger-VgU7eW" 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 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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" 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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"> 25 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" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter 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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 data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/greg-mcbride/" class="text-link text-black plain font-circular-bold ">Greg McBride, CFA</a> </div> </span> </div> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('nHKBRi')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-nHKBRi" aria-controls="tooltip-content-nHKBRi" x-bind="trigger"> Suzanne De Vita</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-nHKBRi" aria-hidden="true" aria-labelledby="tooltip-trigger-nHKBRi" 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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/suzanne-de-vita/" class="Link Link--standalone text-black"> Suzanne De Vita</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior 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 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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> Mortgages</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"> 12 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Suzanne De Vita is a senior editor on Bankrate’s Home Lending team, focusing on mortgage and real estate topics for homebuyers, homeowners, investors and renters.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/suzanne-de-vita/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex 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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:sdevita@redventures.com" target="_blank" rel="nofollow" aria-label="Get in contact with Suzanne De Vita via Email" data-beam-element-clicked id="author_bio_suzanne_de_vita_email_icon" data-type="icon" data-location="author_bio_suzanne_de_vita" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs" 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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 data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('DwVZ88')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-DwVZ88" aria-controls="tooltip-content-DwVZ88" 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-DwVZ88" aria-hidden="true" aria-labelledby="tooltip-trigger-DwVZ88" 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 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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"> 25 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 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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 class="EntryContainer display-flex flex-direction-column align-items-center align-self-center mt-8 pos-relative" data-beam-element-viewed data-type="zipcode" data-location="PRE" data-name="Zipcode" data-position="top" data-text="Enter your ZIP code for personalized rates" > <label x-bind:for="$id('input')" class="FormLabel type-body-one font-circular-bold mb-1"> Enter your ZIP code for personalized rates</label> <p class="type-body-three text-slate mb-3">Compare personalized rates in your area to find a lender</p> <div class="lg:display-flex align-items-center gap-4 mb-5 w-full"> <div x-data x-id="['input']" class="FormControl w-full" x-bind:class="{ 'is-error': zipInput.hasError }"> <input x-bind:id="$id('input')" class="FormInput w-full" name="zip_code_input" title="Enter ZIP code for personalized rates" maxlength="5" x-model="zipInput.value" x-on:keypress="onlyNumbers"></div> <span class="FormElementHelp is-error text-size-xs mt-1 lg:pos-absolute" style="bottom:0;" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> <button @click="mortgagePreSubmit()" data-tracking-id="pre-cta-zip" type="submit" class="Button Button--primary w-full mt-3 lg:mt-0" x-bind:disabled="zipInput.hasError" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="button" data-location="PRE" data-position="top" data-text="Next" > Next </button> </div> </div> <div id="pre-zipcode-mobile" class="EntryContainer-menu md:pt-4 pt-6 pb-4 sm:pt-6 w-full" data-beam-element-viewed data-type="sticky banner" data-location="PRE" data-name="PurchaseRefi" data-position="bottom" data-text="Enter your zip code for personalized rates" > <form> <div class="display-grid grid-cols-3 md:w-1/2 wrapper gutter align-items-center"> <div> <label x-bind:for="$id('input')" class="FormLabel type-body-one font-circular-bold" style="align-items: center;"> Enter your ZIP code for personalized rates</label> </div> <div> <div x-data x-id="['input']" class="FormControl" x-bind:class="{ 'is-error': zipInput.hasError }"> <input x-bind:id="$id('input')" class="FormInput w-full" name="zip_code_input" maxlength="5" title="Enter ZIP code for personalized rates" x-model="zipInput.value" x-on:keypress="onlyNumbers"></div> <span class="FormElementHelp is-error text-size-xs mt-1 lg:pos-absolute" style="bottom:0;" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> </div> <div> <button @click="mortgagePreSubmit()" type="button" class="Button Button--primary w-full ml-2" x-bind:disabled="zipInput.hasError" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="button" data-location="PRE" data-position="bottom" data-text="Next" > Next </button> </div> </div> </form> <button data-tracking-id="pre-close-zip" class="Modal-close w-9 md:mt-5 md:mr-4 -mt-4" type="button" aria-label="close" @click="mortgagePrePinnedHide()"> </div> <button @click="mortgagePreSubmitSkip()" class="Link Link--standalone type-body-two align-self-center bg-transparent lg:mt-2" id="skip-and-show-rates" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="link" data-location="PRE" data-name="Skip" data-position="top" data-text="Skip and show me rates" >Skip and show me rates</button> </div> </div> <section id="" class="section-wrapper frame-b bg-transparent py-0 gutter"> <div class="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="mortgageRateTrendsComparisonChartV2( 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M\u0022,\u0022date\u0022:\u00222024-06-01\u0022},\u00221y\u0022:{\u0022label\u0022:\u00221 Y\u0022,\u0022date\u0022:\u00222023-11-01\u0022},\u00225y\u0022:{\u0022label\u0022:\u00225 Y\u0022,\u0022date\u0022:\u00222019-11-01\u0022},\u002210y\u0022:{\u0022label\u0022:\u002210 Y\u0022,\u0022date\u0022:\u00222014-11-01\u0022},\u0022all\u0022:{\u0022label\u0022:\u0022All\u0022,\u0022date\u0022:\u00221990-01-01\u0022}},\u0022requestToDate\u0022:\u00222024-11-24\u0022,\u0022myChart\u0022:null}'), )"> <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"> <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"> <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"> 6.31% </strong> <div id="tc81c5b49-71f4-4996-9776-2b0fa3327574" 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 ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="tc81c5b49-71f4-4996-9776-2b0fa3327574" 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"> 6.95% </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 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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">November 24th</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 30-year mortgage interest rate trends</h3> On Wednesday, November 27, 2024, the current average interest rate for the benchmark 30-year fixed mortgage is 6.96%, <span class="text-red">up 4 basis points</span> compared to this time last week. If you're looking to refinance, the average interest rate for a 30-year fixed refinance is 6.98%, <span class="text-red">up 5 basis points</span> from a week ago. Mortgage rates have shifted around but remain elevated. In 2024, experts were predicting the 30-year mortgage to slowly fall, eventually landing under 6 percent. Mortgage rates change constantly, however, and many factors could play out between now and year-end to change those projections. Check out our <a href="https://www.bankrate.com/mortgages/mortgage-interest-rates-forecast/">mortgage rates forecast</a> for the latest. </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 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.flex-grow) */ @media screen and (min-width: 599px) { .sm\:flex-grow-0 { flex-grow: 0 !important; } } </style></div> </section> <section id="" class="section-wrapper bg-transparent py-0 gutter"> <div class="wrapper"> <div class="border-b border-gray border-t border-gray pt-16 mb-24"> <div class="mb-16"> <h2 class="pb-4 text-center type-heading-seven">Here's how it works:</h2> <div class="ArticleRecommended"> <div class="display-none md:display-grid grid-cols-3 gap-6"> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column align-items-center" > <div class="Icon flex-shrink-0 Icon--md mb-6 icon-base-black icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Online Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M22.55 17.375V9.48a3.742 3.742 0 0 0-3.741-3.742H9.144A3.742 3.742 0 0 0 5.403 9.48v7.895h-.21c-.655 0-1.193.53-1.193 1.192v.523a3.175 3.175 0 0 0 3.172 3.172h13.656A3.175 3.175 0 0 0 24 19.09v-.523c0-.654-.53-1.192-1.192-1.192h-.258Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M20.323 16.853a.648.648 0 0 1-.26-.054l-16.372.051a.66.66 0 0 1-.123 0l-.759.003v.491c0 1.113.909 2.021 2.022 2.021h14.346a2.026 2.026 0 0 0 2.022-2.021v-.548l-.613.002a.648.648 0 0 1-.263.055Zm.654-9.6v8.29h.27c.697 0 1.253.565 1.253 1.253v.548c0 1.833-1.49 3.33-3.33 3.33H4.83a3.334 3.334 0 0 1-3.33-3.33v-.548c0-.696.565-1.252 1.252-1.252h.22v-8.29a3.93 3.93 0 0 1 3.93-3.929h10.147a3.93 3.93 0 0 1 3.928 3.928Zm-1.309 8.29H4.282v-8.29a2.627 2.627 0 0 1 2.62-2.618h10.147a2.626 2.626 0 0 1 2.619 2.618v8.29Zm-9.33-8.453h3.274c.36 0 .655-.295.655-.655a.657.657 0 0 0-.655-.654H10.34a.657.657 0 0 0-.655.654c0 .36.295.655.655.655Z" class="icon-base"/></svg></div> <h4 class="SimpleCard-title type-heading-four mt-0 mb-4"> Enter your details </h4> <div class="SimpleCard-copy type-body-one text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">Answer some questions about your homebuying or refinancing needs to help us find the right lenders for you.</p></div> </div> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column align-items-center" > <div class="Icon flex-shrink-0 Icon--md mb-6 icon-base-black icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Percent Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.224l-3.511-2.766c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.573-.456v9.832a2.273 2.273 0 0 0 2.297 2.297h13.126a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.895-1.493-6.366-5.013a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.873c0 .575.41.985.984.985h13.126c.574 0 .984-.41.984-.985V8.795ZM9.528 17.368h.004-.008.004Zm.464-.188a.643.643 0 0 1-.464.188.694.694 0 0 1-.463-.188.659.659 0 0 1 0-.927l4.922-4.922a.659.659 0 0 1 .927 0 .659.659 0 0 1 0 .927L9.992 17.18Zm-.46-4.455h-.057a.954.954 0 0 1-.927-.927c0-.492.435-.927.927-.927h.058c.492 0 .927.435.927.927a.92.92 0 0 1-.927.927Zm4.923 4.972h.058a.92.92 0 0 0 .927-.927c0-.493-.492-.927-.985-.927a.915.915 0 0 0-.927.927c0 .492.378.927.927.927Z" class="icon-base"/></svg></div> <h4 class="SimpleCard-title type-heading-four mt-0 mb-4"> Compare top rates </h4> <div class="SimpleCard-copy type-body-one text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">See competitive mortgage rates from lenders that match your criteria and compare your offers side-by-side.</p></div> </div> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column align-items-center" > <div class="Icon flex-shrink-0 Icon--md mb-6 icon-base-black icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Online Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M22.55 17.375V9.48a3.742 3.742 0 0 0-3.741-3.742H9.144A3.742 3.742 0 0 0 5.403 9.48v7.895h-.21c-.655 0-1.193.53-1.193 1.192v.523a3.175 3.175 0 0 0 3.172 3.172h13.656A3.175 3.175 0 0 0 24 19.09v-.523c0-.654-.53-1.192-1.192-1.192h-.258Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M20.323 16.853a.648.648 0 0 1-.26-.054l-16.372.051a.66.66 0 0 1-.123 0l-.759.003v.491c0 1.113.909 2.021 2.022 2.021h14.346a2.026 2.026 0 0 0 2.022-2.021v-.548l-.613.002a.648.648 0 0 1-.263.055Zm.654-9.6v8.29h.27c.697 0 1.253.565 1.253 1.253v.548c0 1.833-1.49 3.33-3.33 3.33H4.83a3.334 3.334 0 0 1-3.33-3.33v-.548c0-.696.565-1.252 1.252-1.252h.22v-8.29a3.93 3.93 0 0 1 3.93-3.929h10.147a3.93 3.93 0 0 1 3.928 3.928Zm-1.309 8.29H4.282v-8.29a2.627 2.627 0 0 1 2.62-2.618h10.147a2.626 2.626 0 0 1 2.619 2.618v8.29Zm-9.33-8.453h3.274c.36 0 .655-.295.655-.655a.657.657 0 0 0-.655-.654H10.34a.657.657 0 0 0-.655.654c0 .36.295.655.655.655Z" class="icon-base"/></svg></div> <h4 class="SimpleCard-title type-heading-four mt-0 mb-4"> Choose a lender </h4> <div class="SimpleCard-copy type-body-one text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">After selecting your top options, connect with lenders online or on the phone. 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text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">Answer some questions about your homebuying or refinancing needs to help us find the right lenders for you.</p></div> </div> </div> <div class="swiper-slide max-w-xs py-2 px-2"> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column align-items-center" > <div class="Icon flex-shrink-0 Icon--md mb-6 icon-base-black icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Percent Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 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type-body-one text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">See competitive mortgage rates from lenders that match your criteria and compare your offers side-by-side.</p></div> </div> </div> <div class="swiper-slide max-w-xs py-2 pl-2 pr-4 md:pr-6"> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column align-items-center" > <div class="Icon flex-shrink-0 Icon--md mb-6 icon-base-black icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Online Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M22.55 17.375V9.48a3.742 3.742 0 0 0-3.741-3.742H9.144A3.742 3.742 0 0 0 5.403 9.48v7.895h-.21c-.655 0-1.193.53-1.193 1.192v.523a3.175 3.175 0 0 0 3.172 3.172h13.656A3.175 3.175 0 0 0 24 19.09v-.523c0-.654-.53-1.192-1.192-1.192h-.258Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M20.323 16.853a.648.648 0 0 1-.26-.054l-16.372.051a.66.66 0 0 1-.123 0l-.759.003v.491c0 1.113.909 2.021 2.022 2.021h14.346a2.026 2.026 0 0 0 2.022-2.021v-.548l-.613.002a.648.648 0 0 1-.263.055Zm.654-9.6v8.29h.27c.697 0 1.253.565 1.253 1.253v.548c0 1.833-1.49 3.33-3.33 3.33H4.83a3.334 3.334 0 0 1-3.33-3.33v-.548c0-.696.565-1.252 1.252-1.252h.22v-8.29a3.93 3.93 0 0 1 3.93-3.929h10.147a3.93 3.93 0 0 1 3.928 3.928Zm-1.309 8.29H4.282v-8.29a2.627 2.627 0 0 1 2.62-2.618h10.147a2.626 2.626 0 0 1 2.619 2.618v8.29Zm-9.33-8.453h3.274c.36 0 .655-.295.655-.655a.657.657 0 0 0-.655-.654H10.34a.657.657 0 0 0-.655.654c0 .36.295.655.655.655Z" class="icon-base"/></svg></div> <h4 class="SimpleCard-title type-heading-four mt-0 mb-4"> Choose a lender </h4> <div class="SimpleCard-copy type-body-one text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">After selecting your top options, connect 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Then choose a lender, finalize your details, and lock in your rate.</p></div> </div> </div></div> </div> <button id="bp-ArticleRecommended-slider-0e6b63e4-1e16-4107-bfb6-4c23abe10cff" class="swiper-button-prev Button Button--utility display-none "> <span class="Icon"> <svg class="Icon-glyph" 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></span> </button> <button id="bn-ArticleRecommended-slider-0e6b63e4-1e16-4107-bfb6-4c23abe10cff" class="swiper-button-next Button Button--utility display-none "> <span class="Icon"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path 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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-slate font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('7IVmdh')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-7IVmdh" aria-controls="tooltip-content-7IVmdh" x-bind="trigger"> Jeff Ostrowski</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-7IVmdh" aria-hidden="true" aria-labelledby="tooltip-trigger-7IVmdh" 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 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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" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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sm:display-inline-block" x-data="interactiveTooltip('SFze1z')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-SFze1z" aria-controls="tooltip-content-SFze1z" x-bind="trigger"> Suzanne De Vita</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-SFze1z" aria-hidden="true" aria-labelledby="tooltip-trigger-SFze1z" 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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.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/suzanne-de-vita/" class="Link Link--standalone text-black"> Suzanne De Vita</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div 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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> Mortgages</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" 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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"> 12 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Suzanne De Vita is a senior editor on Bankrate’s Home Lending team, focusing on mortgage and real estate topics for homebuyers, homeowners, investors and renters.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/suzanne-de-vita/" 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/suzanne-de-vita/" target="_blank" rel="nofollow" aria-label="Connect with Suzanne De Vita on LinkedIn" data-beam-element-clicked id="author_bio_suzanne_de_vita_linkedin_icon" data-type="icon" data-location="author_bio_suzanne_de_vita" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn 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href="https://www.bankrate.com/authors/suzanne-de-vita/" class="text-link text-black plain font-circular-bold ">Suzanne De Vita</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 data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('eknYUq')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-eknYUq" aria-controls="tooltip-content-eknYUq" 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-eknYUq" aria-hidden="true" aria-labelledby="tooltip-trigger-eknYUq" 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 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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"> 25 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" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter 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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 data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/greg-mcbride/" class="text-link text-black plain font-circular-bold ">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-blue hover:text-blue-mid" 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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"> <div class="wysiwyg display-block w-full"> <p class="my-4 text-left type-body-one text-base leading-6">On Wednesday, November 27, 2024, the national average 30-year fixed mortgage APR is 7.01%. The average 30-year fixed refinance APR is 7.02%, 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"> <p class="my-4 text-left type-body-one text-base leading-6">On Wednesday, November 27, 2024, the national average 30-year fixed mortgage APR is 7.01%. The average 30-year fixed refinance APR is 7.02%, 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. 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)"> <div class="mortgage-national-averages-trends-chart"> <h2 class="mb-6"> Weekly national mortgage interest rate trends </h2> <div id="brRateTrendsChart30YearContainer" 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="brRateTrendsChart30Year-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="brRateTrendsChart30Year-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="brRateTrendsChart30YearCanvas" 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="brRateTrendsChart30Year-legend-title"> Current mortgage rates </span>  </p> </div> <div id="brRateTrendsChart30YearChartLegend" 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="brRateTrendsChart30Year-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="brRateTrendsChart30Year-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="brRateTrendsChart30Year-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="brRateTrendsChart30Year-rate-15"> 6.23% </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="brRateTrendsChart30Year-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="brRateTrendsChart30Year-rate-10"> 6.22% </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="brRateTrendsChart30Year-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="brRateTrendsChart30Year-rate-51"> 6.41% </td> </tr> </tbody> </table> </div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3>Today's national 30-year mortgage interest rate trends</h3> On Wednesday, November 27, 2024, the current average interest rate for the benchmark 30-year fixed mortgage is 6.96%, <span class="text-red">up 4 basis points</span> compared to this time last week. If you're looking to refinance, the average interest rate for a 30-year fixed refinance is 6.98%, <span class="text-red">up 5 basis points</span> from a week ago. Mortgage rates have shifted around but remain elevated. In 2024, experts were predicting the 30-year mortgage to slowly fall, eventually landing under 6 percent. Mortgage rates change constantly, however, and many factors could play out between now and year-end to change those projections. Check out our <a href="https://www.bankrate.com/mortgages/mortgage-interest-rates-forecast/">mortgage rates forecast</a> for the latest. </div> </div> </div> <style> #brRateTrendsChart30YearChartLegend .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/v5.1521.3/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"> <h2>Mortgage rate news this week - Nov. 27, 2024</h2> <h3>30-year mortgage rates edge below 7%</h3> <p>The average rate on a 30-year fixed mortgage retreated to 6.94 percent this week, according to Bankrate’s latest lender <a class="Link" href="https://www.bankrate.com/mortgages/analysis/">survey</a>.<br><br>Mortgage rates dipped despite the Federal Reserve’s <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fomc-meeting-recap-november-2024/">November quarter-point rate cut</a>. The Fed <a class="Link" href="https://www.bankrate.com/mortgages/federal-reserve-and-mortgage-rates/">doesn’t set mortgage rates</a>, but its decisions move factors that influence them, including the 10-year Treasury yield, often the benchmark for fixed mortgage rates.<br><br>Rather, the new consensus among economists is that the reelection of Donald Trump will lead to tax cuts and a ballooning federal deficit, ultimately driving up 10-year yields.<br><br></p></div> <div class="wysiwyg display-block w-full"> <h3>Current mortgage and refinance interest rates</h3></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"> <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">6.96%</td> <td>7.01%</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">6.82%</td> <td>6.88%</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">6.27%</td> <td>6.34%</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">6.57%</td> <td>7.39%</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">6.84%</td> <td>7.54%</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">7.03%</td> <td>7.07%</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">7.02%</td> <td>7.06%</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">6.96%</td> <td>7.01%</td> </tr> </tbody> </table> <p class="text-slate text-gray-700 type-body-three text-xs mb-0">Rates as of Wednesday, November 27, 2024 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 class="Tabs-panel" data-tabs="tab-panel" role="tabpanel" aria-labelledby="refinance-1" aria-hidden="true"> <div class="wysiwyg display-block w-full"> <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%">6.98%</td> <td headers="RefinanceAPR" width="33%">7.02%</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">6.89%</td> <td>6.94%</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%">6.25%</td> <td headers="APR" width="33%">6.33%</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%">6.28%</td> <td headers="APR" width="33%">6.34%</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%">6.48%</td> <td headers="APR" width="33%">7.19%</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">6.91%</td> <td>7.64%</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">7.16%</td> <td>7.20%</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">7.68%</td> <td>7.71%</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">6.94%</td> <td>6.99%</td> </tr> </tbody> </table> <p class="text-slate text-gray-700 type-body-three text-xs mb-0">Rates as of Wednesday, November 27, 2024 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-compare-30-year-mortgage-rates" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2><strong>How to get the best 30-year mortgage rate</strong></h2> <p>If you compare loan offers from a few mortgage lenders, you’ll have a better chance of landing a competitive rate. Here's how:</p> <ul> <li><strong>Decide whether a 30-year mortgage rate is right for you.</strong> The 30-year term is the most popular option, but it’s far from the only one. Depending on the lender you work with, you might be able to apply for fixed-rate loans amortized over anywhere from eight to 29 years.</li> <li><strong>Get </strong><a class="Link" href="https://www.bankrate.com/mortgages/pre-approval/"><strong>preapproved</strong></a><strong>: </strong>Get rate quotes from at least three mortgage lenders, ideally on the same day so you have an accurate basis for comparison. Lenders determine your interest rate based on your credit score, debt-to-income (DTI) ratio and other factors, including the size of your down payment.</li> <li><strong>Compare the interest rate and APR: </strong>The <a class="Link" href="https://www.bankrate.com/mortgages/apr-and-interest-rate/">interest rate and annual percentage rate</a> (APR) reflect the cost of the loan. The interest rate is the cost to borrow the funds, while the APR includes the interest rate and other costs such as the origination fee and any <a class="Link" href="https://www.bankrate.com/mortgages/mortgage-points/">points</a>.</li> <li><strong style="font-size: 1em;">Consider the lender’s ratings and your experience: </strong><span style="font-size: 1em;">Aside from the numbers, </span><a class="Link" href="https://www.bankrate.com/mortgages/best-lenders/best-mortgage-lenders/">evaluate lenders</a><span style="font-size: 1em;"> for convenience and responsiveness. Take a look at what other borrowers have had to say about the lender, too.</span></li> </ul></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/mortgages/how-to-get-the-best-mortgage-rate/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/mortgages/30-year-mortgage-rates/" data-name="Learn more link" data-position="middle" data-text="How to get the best mortgage rate" data-outcome="send to page" > How to get the best mortgage rate</a> </div> </div> <div id="how-rates-are-determined" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How are 30-year mortgage rates determined?</h2> <p>There are many variables that go into the cost of a 30-year mortgage, including:</p> <ul> <li>The individual mortgage lender</li> <li>Your credit score</li> <li>Your debt-to-income (DTI) and loan-to-value (LTV) ratios</li> <li>The loan amount</li> <li>The type of property being financed</li> <li>10-Year Treasury yield </li> <li>Economic or geopolitical influences</li> <li>Inflation</li> </ul></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/mortgages/how-interest-rates-are-set/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/mortgages/30-year-mortgage-rates/" data-name="Learn more link" data-position="middle" data-text="How mortgage rates are set" data-outcome="send to page" > How mortgage rates are set</a> </div> </div> <div id="thirty-year-mortgage-pros-and-cons" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Pros and cons of a 30-year mortgage</h2></div> <div class="ProsAndConsList" data-js-selector="ProsAndConsList"> <div class="ProsAndConsItem"> <h3 class="ProsAndConsItem-header"> Pros of a 30-year mortgage </h3> <ul class="ProsAndConsItem-list"> <li> <b>Lower monthly payment</b>: Repaying a mortgage over 30 years means you’ll have lower, more affordable payments spread out over time compared to shorter-term loans like <a href="https://www.bankrate.com/mortgages/15-year-mortgage-rates/">15-year mortgages</a>.</li> <li> <b>Stability</b>: Having a consistent principal and interest payment helps you better map out your housing expenses for the long term. (Your overall monthly housing expenses can change, however, if your homeowners insurance and property taxes go up or down.) Of course, this is only true if your mortgage has a fixed rate. An <a href="https://www.bankrate.com/mortgages/arm-loan-rates/">adjustable-rate mortgage</a> won’t give you this same benefit for the whole life of the loan.</li> <li> <b>Buy more house</b>: With lower payments, you might be able to qualify for a larger loan amount and afford a more expensive home.</li> <li> <b>More financial flexibility</b>: Lower monthly payments can provide more cushion in your budget for other goals, like saving for emergencies, retirement, college tuition or <a href="https://www.bankrate.com/loans/home-improvement/">home repairs and maintenance</a>.</li> </ul> </div> <div class="ProsAndConsItem"> <h3 class="ProsAndConsItem-header"> Cons of a 30-year mortgage </h3> <ul class="ProsAndConsItem-list"> <li> <b>More total interest paid</b>: Stretching out repayment over 30 years means you’ll wind up paying more in interest overall than you would with a shorter-term loan.</li> <li> <b>Higher mortgage rates</b>: Lenders usually charge higher interest rates for 30-year loans because they’re taking on the risk of not being repaid for a longer amount of time.</li> <li> <b>Becoming house poor</b>: Just because you might be able to <a href="https://www.bankrate.com/real-estate/new-house-calculator/">afford more house</a> with a 30-year loan doesn’t mean you should overstretch your budget. Give yourself some breathing room for other financial goals and unexpected expenses.</li> <li> <b>Slower equity growth</b>: It will take longer to <a href="https://www.bankrate.com/home-equity/how-to-build-equity-in-your-home/">build equity in your home</a> because most of your initial mortgage payments will go toward interest rather than paying down your principal amount.</li> </ul> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="AskTheExperts border-grey border-1 rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: 'd63f57df-bfce-47a6-8e72-fba01015af08' }"> <h3 class="type-heading-three w-full mb-4"> Why is a 30-year mortgage the most popular?</h3> <ul class="AskTheExperts-panel -m-2" role="list"> <li 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 = 'd63f57df-bfce-47a6-8e72-fba01015af08'" role="button" aria-label="Author name Robert Odom"> <img srcset="https://www.bankrate.com/f/102997/96x96/95e4bf5284/odom_robert-800x1200-cb6eae5-1.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/102997/96x96/95e4bf5284/odom_robert-800x1200-cb6eae5-1.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/102997/96x96/95e4bf5284/odom_robert-800x1200-cb6eae5-1.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/102997/96x96/95e4bf5284/odom_robert-800x1200-cb6eae5-1.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">Robert Odom</p> </button> </li> <li 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 = '959'" role="button" aria-label="Author name Jeff Ostrowski"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.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/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=48&height=48&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=48&height=48&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=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">Jeff Ostrowski</p> </button> </li> </ul> <hr class="w-full border-grey border-1 mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == 'd63f57df-bfce-47a6-8e72-fba01015af08'" 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/102997/96x96/95e4bf5284/odom_robert-800x1200-cb6eae5-1.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/102997/96x96/95e4bf5284/odom_robert-800x1200-cb6eae5-1.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/102997/96x96/95e4bf5284/odom_robert-800x1200-cb6eae5-1.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/102997/96x96/95e4bf5284/odom_robert-800x1200-cb6eae5-1.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">Robert Odom</p> <p class="text-slate m-0">President, Ameris Mortgage</p> </div> </span> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "From a consumer standpoint, the 30-year fixed-rate mortgage is typically the most popular because it offers borrowers lower monthly payments while providing long-term stability and predictability. Stretching out the loan over 30 years significantly reduces the monthly payment compared to a shorter term like a 15-year mortgage. This may make homeownership more affordable and attainable, especially for first-time buyers who may not have a lot of upfront cash or significant savings. With a lower payment, there's more wiggle room in the household budget for other expenses. Because a 30-year fixed-rate mortgage offers a set interest rate for the entire loan term, a borrower’s monthly payment stays the same throughout those 30 years, providing peace of mind and budgeting stability."</p> </div> </div> </div> <div x-show="author_id_active == '959'" aria-labelledby="AskTheExperts-tab-2" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/jeff-ostrowski/"> <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 flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Jeff Ostrowski</p> <p class="text-slate m-0">Principal writer, Home lending</p> </div> </a> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "The 30-year loan wins the popularity contest for a simple reason: affordability. A 30-year amortization schedule offers a much lower monthly payment than a 20-, 15- or 10-year loan. With home prices near record highs and mortgage rates up sharply since the pandemic, most buyers would struggle to qualify for a mortgage of a shorter term. Meanwhile, 30-year loans also are popular among a subset of financially savvy homeowners who could afford a shorter term but prefer to maximize the mortgage and put the proceeds in the stock market."</p> </div> </div> </div> </div> </div> </div> <div id="thirty-year-mortgage-faq" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>30-year mortgage FAQ</h2></div> <ul class="Accordion w-full" data-cy="accordion-b63172c1-4696-4fae-b5ea-042835e1d5ba"> <li x-id="['panel-how-does-a-30-year-fixed-rate-mortgage-work', 'heading-how-does-a-30-year-fixed-rate-mortgage-work']" 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="$id('heading-how-does-a-30-year-fixed-rate-mortgage-work')" :aria-controls="$id('panel-how-does-a-30-year-fixed-rate-mortgage-work')" :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 30-year fixed-rate mortgage and how does it work? " data-position="1" data-text=" What is a 30-year fixed-rate 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 30-year fixed-rate 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="$id('panel-how-does-a-30-year-fixed-rate-mortgage-work')" :labelledBy="$id('heading-how-does-a-30-year-fixed-rate-mortgage-work')" 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"> <p>With a 30-year fixed-rate mortgage, your mortgage rate stays the same for every one of your 360 monthly payments. The benefits of that feature become apparent over time: As overall prices rise and your income grows, your mortgage payment stays the same.<br /><br />One twist to 30-year mortgages comes from the calculus behind the amortization schedule: In the early years of a 30-year loan, you pay much more interest than principal.</p> <p><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/what-is-a-fixed-rate-mortgage/">Guide to fixed-rate mortgages</a></strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-does-a-30-year-fixed-rate-mortgage-work')" :labelledBy="$id('heading-how-does-a-30-year-fixed-rate-mortgage-work')" 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"> <p>With a 30-year fixed-rate mortgage, your mortgage rate stays the same for every one of your 360 monthly payments. The benefits of that feature become apparent over time: As overall prices rise and your income grows, your mortgage payment stays the same.<br /><br />One twist to 30-year mortgages comes from the calculus behind the amortization schedule: In the early years of a 30-year loan, you pay much more interest than principal.</p> <p><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/what-is-a-fixed-rate-mortgage/">Guide to fixed-rate mortgages</a></strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-30-year-lock', 'heading-30-year-lock']" 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="$id('heading-30-year-lock')" :aria-controls="$id('panel-30-year-lock')" :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=" when should i lock in my 30-year mortgage rate? " data-position="2" data-text=" When should I lock in my 30-year 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"> When should I lock in my 30-year 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="$id('panel-30-year-lock')" :labelledBy="$id('heading-30-year-lock')" 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"> <p>Mortgage rates are volatile, so the decision to lock your rate is a bit of a gamble. Lock in too early, and you might miss the opportunity for a better rate. Rate locks often last from 30 days to 60 days, though they sometimes last 120 days. Some lenders offer a free rate lock for a specified period.<br /><br />A longer rate lock tends to be more expensive. For example, a borrower who chooses a 30-day lock on a fixed-rate 30-year loan might pay a 4 percent rate and zero points, while a 60-day lock might cost 1 point (equal to 1 percent of the loan) or a slightly higher rate with a half-point.<br /><br /><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/what-is-mortgage-rate-lock/">Guide to mortgage rate locks</a></strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-30-year-lock')" :labelledBy="$id('heading-30-year-lock')" 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"> <p>Mortgage rates are volatile, so the decision to lock your rate is a bit of a gamble. Lock in too early, and you might miss the opportunity for a better rate. Rate locks often last from 30 days to 60 days, though they sometimes last 120 days. Some lenders offer a free rate lock for a specified period.<br /><br />A longer rate lock tends to be more expensive. For example, a borrower who chooses a 30-day lock on a fixed-rate 30-year loan might pay a 4 percent rate and zero points, while a 60-day lock might cost 1 point (equal to 1 percent of the loan) or a slightly higher rate with a half-point.<br /><br /><strong>Learn more: <a class="Link" href="https://www.bankrate.com/mortgages/what-is-mortgage-rate-lock/">Guide to mortgage rate locks</a></strong></p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-what-are-other-types-of-home-loans-to-considerspan', 'heading-span-classtext-what-are-other-types-of-home-loans-to-considerspan']" 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="$id('heading-span-classtext-what-are-other-types-of-home-loans-to-considerspan')" :aria-controls="$id('panel-span-classtext-what-are-other-types-of-home-loans-to-considerspan')" :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 are other types of home loans to consider? " data-position="3" data-text=" What are other types of home loans to consider? " 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 are other types of home loans to consider?</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="$id('panel-span-classtext-what-are-other-types-of-home-loans-to-considerspan')" :labelledBy="$id('heading-span-classtext-what-are-other-types-of-home-loans-to-considerspan')" 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"> <p>Although 30-year fixed-rate mortgages are the most common type of loan, you might want to explore other options, such as:</p> <ul> <li><strong>15-year fixed-rate loan: </strong>A 15-year mortgage is similar to a 30-year loan, but you’ll repay it over 15 years instead of 30. That means you’ll have higher monthly payments, but there’s a tradeoff: You’ll get a lower rate, and pay your loan off sooner.</li> <li><strong>10-year or 20-year loan:</strong> Some borrowers opt for a 10-year or 20-year mortgage, repaid over 10 years or 20 years, respectively. This might be an option if you’re refinancing mid-way or more through the term of your first mortgage.</li> <li><strong>Flexible-term loan: </strong>Many lenders offer conventional loans in terms between eight years and 29 years. You might want to go this route if you want more flexibility with your loan structure.</li> <li><strong>5/1 adjustable-rate mortgage (ARM): </strong>Most 5/1 ARMs come with 30-year terms, but you’ll pay a lower fixed introductory rate for the first five years. After that, your rate will increase or decrease once a year based on prevailing market rates. While you’ll save money initially, a 5/1 ARM makes sense only if you know you’ll move within five years, or have a plan to refinance to another loan before the first rate reset. Otherwise, you’ll need to prepare for unpredictable monthly payments.</li> </ul> <p><strong>Learn more: </strong><a class="Link" href="https://www.bankrate.com/mortgages/types-of-mortgages/"><strong>Types of mortgage loans</strong><br /></a></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-what-are-other-types-of-home-loans-to-considerspan')" :labelledBy="$id('heading-span-classtext-what-are-other-types-of-home-loans-to-considerspan')" 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"> <p>Although 30-year fixed-rate mortgages are the most common type of loan, you might want to explore other options, such as:</p> <ul> <li><strong>15-year fixed-rate loan: </strong>A 15-year mortgage is similar to a 30-year loan, but you’ll repay it over 15 years instead of 30. That means you’ll have higher monthly payments, but there’s a tradeoff: You’ll get a lower rate, and pay your loan off sooner.</li> <li><strong>10-year or 20-year loan:</strong> Some borrowers opt for a 10-year or 20-year mortgage, repaid over 10 years or 20 years, respectively. This might be an option if you’re refinancing mid-way or more through the term of your first mortgage.</li> <li><strong>Flexible-term loan: </strong>Many lenders offer conventional loans in terms between eight years and 29 years. You might want to go this route if you want more flexibility with your loan structure.</li> <li><strong>5/1 adjustable-rate mortgage (ARM): </strong>Most 5/1 ARMs come with 30-year terms, but you’ll pay a lower fixed introductory rate for the first five years. After that, your rate will increase or decrease once a year based on prevailing market rates. While you’ll save money initially, a 5/1 ARM makes sense only if you know you’ll move within five years, or have a plan to refinance to another loan before the first rate reset. Otherwise, you’ll need to prepare for unpredictable monthly payments.</li> </ul> <p><strong>Learn more: </strong><a class="Link" href="https://www.bankrate.com/mortgages/types-of-mortgages/"><strong>Types of mortgage loans</strong><br /></a></p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-how-can-i-refinance-my-30-year-mortgagespan', 'heading-span-classtext-how-can-i-refinance-my-30-year-mortgagespan']" 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="$id('heading-span-classtext-how-can-i-refinance-my-30-year-mortgagespan')" :aria-controls="$id('panel-span-classtext-how-can-i-refinance-my-30-year-mortgagespan')" :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 can i refinance my 30-year mortgage? " data-position="4" data-text=" How can I refinance my 30-year 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 can I refinance my 30-year 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="$id('panel-span-classtext-how-can-i-refinance-my-30-year-mortgagespan')" :labelledBy="$id('heading-span-classtext-how-can-i-refinance-my-30-year-mortgagespan')" 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"> <p>When 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.<br /><br />While most borrowers today have mortgages with already-low rates, there are still some instances when refinancing might make sense. 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.</p> <p><strong><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>.</strong></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-how-can-i-refinance-my-30-year-mortgagespan')" :labelledBy="$id('heading-span-classtext-how-can-i-refinance-my-30-year-mortgagespan')" 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"> <p>When 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.<br /><br />While most borrowers today have mortgages with already-low rates, there are still some instances when refinancing might make sense. 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.</p> <p><strong><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>.</strong></p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div data-cy="" class="Headline w-full"> <h2 class="type-heading-seven"> Additional resources for getting a 30-year mortgage </h2> </div> <div> <div class="IconListTitle uppercase mb-8 type-heading-six"> </div> <ul id="icon-list-0c3b3d5f-cccf-4e36-90d6-c699642c3e65" class="List IconList mb-0"> <li class="IconList-item"> <div class="display-flex mb-10 md:mb-0 align-items-center"> <div class="IconList-itemIcon mr-6 max-w-max "> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Percent Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.224l-3.511-2.766c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.573-.456v9.832a2.273 2.273 0 0 0 2.297 2.297h13.126a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.895-1.493-6.366-5.013a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.873c0 .575.41.985.984.985h13.126c.574 0 .984-.41.984-.985V8.795ZM9.528 17.368h.004-.008.004Zm.464-.188a.643.643 0 0 1-.464.188.694.694 0 0 1-.463-.188.659.659 0 0 1 0-.927l4.922-4.922a.659.659 0 0 1 .927 0 .659.659 0 0 1 0 .927L9.992 17.18Zm-.46-4.455h-.057a.954.954 0 0 1-.927-.927c0-.492.435-.927.927-.927h.058c.492 0 .927.435.927.927a.92.92 0 0 1-.927.927Zm4.923 4.972h.058a.92.92 0 0 0 .927-.927c0-.493-.492-.927-.985-.927a.915.915 0 0 0-.927.927c0 .492.378.927.927.927Z" class="icon-base"/></svg></div> <div> <div class="IconList-itemTitle type-body-one font-circular-bold font-bold mb-2"> How to get a mortgage </div> <div class="text-slate mt-4"> <div class="wysiwyg display-block w-full"> <p>Follow these 10 steps to nail the loan and <a class="Link" href="https://www.bankrate.com/mortgages/how-to-get-a-mortgage/">make buying that home a reality</a>.</p></div> </div> </div> </div> </li> <li class="IconList-item"> <div class="display-flex mb-10 md:mb-0 align-items-center"> <div class="IconList-itemIcon mr-6 max-w-max "> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Percent Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.224l-3.511-2.766c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.573-.456v9.832a2.273 2.273 0 0 0 2.297 2.297h13.126a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.895-1.493-6.366-5.013a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.873c0 .575.41.985.984.985h13.126c.574 0 .984-.41.984-.985V8.795ZM9.528 17.368h.004-.008.004Zm.464-.188a.643.643 0 0 1-.464.188.694.694 0 0 1-.463-.188.659.659 0 0 1 0-.927l4.922-4.922a.659.659 0 0 1 .927 0 .659.659 0 0 1 0 .927L9.992 17.18Zm-.46-4.455h-.057a.954.954 0 0 1-.927-.927c0-.492.435-.927.927-.927h.058c.492 0 .927.435.927.927a.92.92 0 0 1-.927.927Zm4.923 4.972h.058a.92.92 0 0 0 .927-.927c0-.493-.492-.927-.985-.927a.915.915 0 0 0-.927.927c0 .492.378.927.927.927Z" class="icon-base"/></svg></div> <div> <div class="IconList-itemTitle type-body-one font-circular-bold font-bold mb-2"> How to get the best mortgage rate </div> <div class="text-slate mt-4"> <div class="wysiwyg display-block w-full"> <p>Ready to buy a house? <a class="Link" href="https://www.bankrate.com/mortgages/how-to-get-the-best-mortgage-rate/">Find the best mortgage rate</a> with these eight easy steps.</p></div> </div> </div> </div> </li> <li class="IconList-item"> <div class="display-flex mb-10 md:mb-0 align-items-center"> <div class="IconList-itemIcon mr-6 max-w-max "> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Calculator Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.224l-3.511-2.766c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.573-.456v9.832a2.273 2.273 0 0 0 2.297 2.297h13.126a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-8.786 3.913v6.447h5.907c.574 0 .984-.41.984-.984v-5.463H12.65Zm-1.313 0v6.447H5.431c-.574 0-.984-.41-.984-.984v-5.463h6.89Zm1.313-1.313V5.941a.658.658 0 0 0-.656-.656.658.658 0 0 0-.657.656v6.948h-6.89V8.792l6.325-5.017a1.882 1.882 0 0 1 2.403.008l6.366 5.013v4.093H12.65Zm1.92-2.518h3.06c.361 0 .656-.296.656-.657a.658.658 0 0 0-.656-.656h-3.06a.658.658 0 0 0-.656.656c0 .361.295.657.656.657Zm-6.735 1.534a.658.658 0 0 1-.656-.656v-.878H6.3a.658.658 0 0 1-.656-.657c0-.36.295-.656.656-.656h.878V8.18c0-.36.295-.656.656-.656.361 0 .656.295.656.656v.878h.878c.361 0 .656.296.656.656 0 .361-.295.657-.656.657h-.878v.877a.658.658 0 0 1-.656.657Zm1.144 7.219h.004-.008.004Zm.464-.19a.643.643 0 0 1-.464.19.695.695 0 0 1-.463-.19l-.632-.63-.632.63a.659.659 0 0 1-.927 0 .659.659 0 0 1 0-.926l.632-.632-.632-.632a.658.658 0 0 1 0-.926.658.658 0 0 1 .927 0l.632.631.632-.631a.658.658 0 0 1 .927 0 .658.658 0 0 1 0 .926l-.632.632.632.632a.659.659 0 0 1 0 .927Zm8.294-2h-3.06a.658.658 0 0 1-.656-.657c0-.36.295-.656.656-.656h3.06c.361 0 .657.295.657.656 0 .361-.296.657-.657.657Zm-3.06 2.19h3.06a.658.658 0 0 0 .657-.656.658.658 0 0 0-.657-.657h-3.06a.658.658 0 0 0-.656.657c0 .36.295.656.656.656Z" class="icon-base"/></svg></div> <div> <div class="IconList-itemTitle type-body-one font-circular-bold font-bold mb-2"> Bankrate’s mortgage calculator </div> <div class="text-slate mt-4"> <div class="wysiwyg display-block w-full"> <p>Use our <a class="Link" href="https://www.bankrate.com/mortgages/mortgage-calculator/">free mortgage calculator</a> to estimate your monthly mortgage payments.</p></div> </div> </div> </div> </li> <li class="IconList-item"> <div class="display-flex mb-10 md:mb-0 align-items-center"> <div class="IconList-itemIcon mr-6 max-w-max "> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Reviews Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.225l-3.511-2.767c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.574-.456v9.833a2.273 2.273 0 0 0 2.297 2.297h13.125a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.894-1.492-6.367-5.014a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.874c0 .574.41.984.985.984h13.125c.575 0 .985-.41.985-.984V8.796Zm-10.42 8.932c.214.205.493.32.772.32l-.008.017c.115 0 .221-.025.336-.058.033-.008.098-.04.098-.04l1.69-.895 1.592.82c.23.156.484.156.574.156.509 0 .927-.443.927-.984 0-.041-.008-.123-.008-.123l-.345-1.822 1.321-1.32a.956.956 0 0 0 .336-.583.887.887 0 0 0-.237-.779c-.083-.082-.288-.287-.632-.304l-1.846-.246-.796-1.6c-.065-.295-.303-.492-.746-.598-.05-.017-.099-.017-.156-.017h-.221c-.173 0-.394.123-.517.247l-.107.106a.655.655 0 0 0-.123.172l-.845 1.69-1.83.246a.622.622 0 0 0-.311.132.756.756 0 0 0-.23.164.975.975 0 0 0-.27.68c0 .255.098.51.278.69l1.362 1.312-.295 1.83c-.008.032-.008.073-.008.106 0 .148 0 .435.246.681Zm1.395-2.707c0-.36-.123-.632-.36-.796v.008l-.928-.894 1.288-.172c.386-.024.698-.27.788-.607l.632-1.263.672 1.337c.205.402.517.508.755.525l1.304.172-.951.952a1.072 1.072 0 0 0-.296.861l.247 1.288-1.223-.632c-.312-.164-.664-.147-.919.033l-1.238.657.221-1.362c.008-.033.008-.074.008-.107Z" class="icon-base"/></svg></div> <div> <div class="IconList-itemTitle type-body-one font-circular-bold font-bold mb-2"> Best mortgage lenders </div> <div class="text-slate mt-4"> <div class="wysiwyg display-block w-full"> <p>The <a class="Link" href="https://www.bankrate.com/mortgages/best-lenders/best-mortgage-lenders/">best mortgage lenders</a> based on affordability, availability and borrower experience.</p></div> </div> </div> </div> </li> </ul> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <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: Suzanne De Vita, Senior Editor, Home Lending</strong></p> <p>I’ve covered the housing market, mortgages and real estate for the past 12 years. At Bankrate, my areas of focus include first-time homebuyers and mortgage rate trends, and I’m especially interested in the housing needs of baby boomers. In the past, I’ve reported on market indicators like home sales and supply, as well as the real estate brokerage business. My work has been recognized by the National Association of Real Estate Editors.</p> <p><a class="Link" href="https://www.bankrate.com/authors/suzanne-de-vita/">Read more from Suzanne De Vita</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 frame bg-transparent py-0 gutter"> <div class="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" 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<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 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// 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); 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