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Tuesday, October 28, 2025

Rates have come down :) Here's a scenario from one of the local lenders....

 Advertised APR assumes an owner-occupied single-family home purchase transaction with a base loan amount of $460,000, 10% down payment, 780 FICO credit score, 30-day rate lock, monthly escrows and 1% discount point. 15-year fixed rate mortgage transactions have 180 monthly principal and interest payments. 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.

FHA 30-Year Fixed Rate

Advertised APR assumes an owner-occupied single-family home purchase transaction with a base loan amount of $460,000, 3.5% down payment, 680 FICO credit score, 30-day rate lock, monthly escrows and 1% discount point. Monthly payment includes financed upfront mortgage insurance premium. FHA 30-year fixed rate mortgage transactions have 360 monthly principal and interest payments.


ProductMonthly Principal and Interest PaymentRateAPR
15-Year Fixed$3,697.845.250%5.519%
30-Year Fixed$2,757.936.00%6.170%
FHA 30-Year Fixed$3,018.255.625%6.820%
VA 30-Year Fixed$2,611.835.50%5.618%
  

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