Today’s Mortgage Rates

Get a Quick Snapshot of Current Rates

See the latest interest rates for popular mortgage programs, including conventional, FHA, and VA loans. These figures are updated regularly and provide a helpful starting point for understanding what you may qualify for. Your actual rate will depend on your credit profile, down payment, and other factors—reach out to get a personalized quote.

30-Year Fixed

5.99% Interest Rate

6.213% APr

A long-term loan with a consistent interest rate and monthly payment over 30 years. Ideal for buyers planning to stay in their home for the long haul.

15-Year Fixed

5.375% Interest Rate

5.726% APR

This option features a shorter loan term with higher monthly payments but lower total interest costs. Great for those who want to pay off their home faster.

FHA 30-Year Fixed

5.75% Interest Rate

7% APR

Backed by the Federal Housing Administration, this loan is designed for buyers with lower credit scores or smaller down payments. It includes mandatory mortgage insurance.

VA 30-Year Fixed

5.625% Interest Rate

6.333% APR

Available exclusively to eligible veterans and active military service members. VA loans offer flexible credit guidelines, no down payment, and no private mortgage insurance (PMI).

  • Legal Disclosures

    30-year Fixed-Rate Loan


    The payment on a $330,000 fixed-rate loan at 5.99% (6.213% APR) is $1,978.30 with 1 point due at closing, and a loan-to-value (LTV) of 60%. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.


    15-year Fixed-Rate Loan


    The payment on a $330,000 fixed-rate loan at 5.375% (5.726% APR) is $2,674.54 with 1 point due at closing, and a loan-to-value (LTV) of 60%. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.


    FHA Loan


    30-year fixed-rate FHA Loan. Rate is fixed. The payment on a $337,750 loan at 5.75% (7% APR) is $1,971.02

     with 0 points due at closing, and loan-to-value (LTV) of 96.5%. Payment does not include taxes and insurance, including Private Mortgage Insurance (PMI.) PMI is required on all FHA Loans. The actual payment amount will be greater. Some state and county maximum loan restrictions may apply.


    VA Loan


    30-year fixed-rate VA Loan. Rate is fixed. The payment on a $450,000 loan at 5.625% (6.333% APR) is $2,590.45 with 1 point due at closing, and a loan-to-value (LTV) of 100%. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan restrictions may apply.


    CTC Mortgage is a VA-approved lender; not endorsed or sponsored by the Department of Veterans Affairs or any government agency.


    VA Loans require a Certificate of Eligibility, VA Form 26-3820 or 26-8320a. Applicant must be an eligible Veteran.

  • Assumptions
    • Listed rates are offered exclusively through CTC Mortgage.
    • Mortgage rates could change daily.
    • Rates and APR on Conventional 30 and 15 year and VA loans include 1 point paid at closing
    • Actual payments will vary based on your individual situation and current rates.
    • Some products may not be available in all states.
    • Some jumbo products may not be available to first time homebuyers.
    • Lending services may not be available in all states.
    • We assumed the loan has a 30-day rate lock period.
    • Some restrictions may apply.
    • Loans with LTV >60% may have higher rate and/or APR
    • Based on the purchase of a primary residence with no cash out at closing.
    • We assumed (unless otherwise noted) that: closing costs are paid out of pocket; this is your primary residence and is a single family home; debt-to-income (DTI) ratio is less than 30%; credit score is over 740; and an escrow account for the payment of taxes and insurance.
    • If LTV> 80%, PMI will be added to your monthly mortgage payment, with the exception of VA/Military loans. VA/Military loans do not require PMI.
    • We assume (unless otherwise noted) a VA funding fee of 3.6% on all VA Loans. Some veterans may qualify for a lower funding fee or may be exempt from funding fee.
    • Programs, rates, terms and conditions are subject to change without notice. All approvals are subject to underwriting guidelines. Not all applicants will qualify.
    • Please remember that we do not have all of your information. Therefore, the rate and payment results you see from this calculator may not reflect your actual situation. CTC Mortgage offers a wide variety of loan options. You may still qualify for a loan even if your situation does not match our assumptions. To get more accurate and personalized results, please fill out our personalized rate quote form.