Published rates are a starting point — yours depends on credit, loan type, down payment, property details, and market timing. Below is our live best-tier scenario (780+ FICO · 70% LTV · rate-and-term refi · 0 discount points). Get your real estimate in 60 seconds.
| Product | Note rate | APR | Est. lender credit |
|---|---|---|---|
| 30Y Fixed | 6.875% | 6.875% | $11,242 |
| 20 Year Fixed | 6.875% | 6.875% | $10,085 |
| 15 Year Fixed | 6.500% | 6.500% | $11,858 |
| 30Y High Balance | 7.250% | 7.250% | $13,000 |
| 30Y Jumbo | 6.990% | 6.990% | $20,295 |
| 30 Year FHA | 6.250% | 6.250% | $10,618 |
| 30 Year VA | 6.740% | 6.740% | $12,591 |
| 5/6 ARM Conforming | 6.375% | 6.398% | — |
* APR disclosure: Rates and APRs shown reflect a 780+ FICO, 70% LTV rate-and-term refinance on an owner-occupied single-family home with a $832,750 loan amount (California's 2026 conforming loan limit), a 30-day rate lock, and 0 discount points. Lender credit is shown after the 1.0% lender-paid broker compensation and scenario pricing adjustments are deducted from the Rocket sheet price. APR uses estimated one-time closing fees (appraisal, title + escrow, recording, MERS, tax service) net of available lender credit. APR does NOT include prepaid interest or impound reserves — those are your own money seeded forward into your loan and escrow account, not a cost of the loan. The lender's flat underwriting fee has been removed via a small price-point adjustment baked into the rate. Your actual rate, APR, and closing costs will vary by loan amount, credit score, LTV, property type, county, and lender. Not a commitment to lend; subject to underwriting and credit approval.
Four levers move the number you actually get. Worth understanding before you shop.
Credit score, payment history, and debt levels all move pricing. A 740 borrower and a 700 borrower can see a 0.25%+ gap on the same loan.
Loan amount, down payment, term length, property type, and occupancy each change the rate and APR — sometimes meaningfully.
Rates move with the bond market all day. A quote today may not be available tomorrow unless it's locked. Why →
The lowest rate isn't always the best loan. We compare costs, term, and structure against your actual plan — not just the headline number.