Menu Close

Rate Quote

Last updated: Oct 14, 2024 12:27 PM (CST)

Purchase Refinance
Loan Amount:

Property Value:

Down payment:

Loan-to-Value:

Occupancy:
Owner Occupied
arrow
Owner OccupiedSecond HomeInvestment
ZIP Code:

FICO Credit Score:
760 - 779 (Very Good)
arrow
800 or higher (Exceptional)780 - 799 (Very Good)760 - 779 (Very Good)740 - 759 (Very Good)720 - 739 (Good)700 - 719 (Good)680 - 699 (Good)660 - 679 (Good)640 - 659 (Fair)620 - 639 (Fair)600 - 619 (Fair)580 - 599 (Fair)560 - 579 (Poor)540 - 559 (Poor)500 - 539 (Poor)
Loan Type:
Conventional
arrow
ConventionalJumboFHAFHA StreamlineVAVA Streamline Refinance (VA IRRRL)
Upfront MIP Fee:
Financed
arrow
FinancedNot Financed
$ (Upfront MIP Fee = Loan Amount x 1.75%)
VA Service Type:
Active Duty Service Members
arrow
Active Duty Service MembersVeteransReservists & National Guard MembersRetired MilitarySurviving Spouse (DIC recipient)
VA Loan Use Type:
First-time Use
arrow
First-time UseSubsequent Use
VA Disability Status:
Service-Connected Disability (>=10%)
arrow
Service-Connected Disability (>=10%)Receiving VA Disability CompensationSurviving Spouse (DIC recipient)Purple Heart Recipient (Active Duty)N/A
VA Funding:
Financed
arrow
FinancedNot Financed
icon
Property Type:
Single Family Residence
arrow
Single Family ResidenceCondominium - AttachedCondominium - DetachedTownhouse/PUDManuf HousingDuplexTriplexFourplex
Number Of Borrowers:
1
arrow
12345
If yes, what is the remaining balance?

CLTV:

Commit Period:
30 days
arrow
15 days30 days
icon icon More Details

To view updated rate options after changing any of the fields above, click "Refresh".

First-time homebuyer: Income: Rates updated on
Featured
30-Year Fixed
20-Year Fixed
15-Year Fixed
Term
Rate
APR
Lender Points/
Credits Closing Costs icon Lender points are optional fees you can pay upfront to lower your interest rate, which can save you money over time. If you see a positive number, it means you’ll pay extra at closing to get a lower rate. Lender credits, on the other hand, help reduce your upfront costs but may slightly increase your interest rate. If you see a negative number, it means the lender is covering part of your closing costs for you. These are the fees you pay when finalizing your loan, which may include lender fees, appraisal costs, title insurance, and escrow fees. If you see a negative total, it means the lender is giving you a credit to cover these costs, so you won’t have to pay them out of pocket. This credit can also help with prepaid expenses like interest or setting up your escrow account.
Monthly MI icon Loan-To-Value ratio exceeds 80%, you are required to purchase Mortgage Insurance.
Mortgage Payment
(P+I) (P+I+MI) icon Monthly payment includes principal and interest. Monthly payment includes principal, interest and mortgage insurance (MI).
Action
icon Sorry, there are no available rates for this scenario.

Please adjust your inputs and try again.

Important Disclosures:

  • By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

  • The interest rates and estimated monthly payments displayed in our pricing engine are provided for informational purposes only and do not constitute loan approval or a commitment to lend. Quotes are based on available pricing from our wholesale lending partners, the loan information provided, and the selected rate-lock period. Mortgage rates may change with market conditions and are not guaranteed until locked. Your actual interest rate, monthly payment, and final loan terms may vary based on verified financial information, credit history, property details, lender requirements, and underwriting approval.

  • Quoted monthly payments include principal and interest, plus mortgage insurance when shown. Property taxes and homeowners insurance are excluded, so your actual payment obligation will be higher. Estimated fees and third-party charges may vary based on final contract terms, property specifics, and local requirements. Transfer taxes, if applicable, are not included in these quotes. Estimated lender credits are subject to lender and loan program requirements and may be applied toward eligible closing costs.

  • Because every financial situation is unique, we encourage you to reach out to one of our loan officers to get a personalized quote built around your goals. You can also view our full Mortgage Disclosures for additional details.

icon

LOAN LIMITS

Zip Code
Property Unit Count
Current Loan Type

icon

SEND US YOUR QUESTION(S)

Full name
Email address
Phone number
Question(s)
Disclaimer: By submitting this form, you consent to Lock It Mortgage, our service providers, and affiliates contacting you via phone call, email, and text message (SMS/MMS) to assist with your request and improve your experience. Consent is not a condition for using Lock It Mortgage’s services. Message and data rates may apply. Messaging frequency may vary. Reply STOP to opt-out; Reply HELP for support. Visit Privacy Policy and Terms Of Use for details.
icon

OUR LOAN OFFICERS ARE HERE TO HELP!

Fill out the form below, and we'll be in touch shortly.

Full name
Email address
Phone number
Disclaimer: By submitting this form, you consent to Lock It Mortgage, our service providers, and affiliates contacting you via phone call, email, and text message (SMS/MMS) to assist with your request and improve your experience. Consent is not a condition for using Lock It Mortgage’s services. Message and data rates may apply. Messaging frequency may vary. Reply STOP to opt-out; Reply HELP for support. Visit Privacy Policy and Terms Of Use for details.
icon

VA FUNDING FEE RATES

Loan Type
Purchase
Purchase
Purchase
Cash-Out Refinance
Down Payment
0%
5% or more
10% or more
N/A
First-time Use
2.15%
1.5%
1.25%
2.15%
Subsequent Use
3.3%
1.5%
1.25%
3.3%
VA funding Fee = Loan Amount x Applicable Funding Fee Percentage
VA funding Fee = x
VA funding Fee =
icon

VA IRRRL FUNDING FEE RATES

Loan Type
VA Streamline Refinance (VA IRRRL)
Down Payment
N/A
First-time Use
0.5%
Subsequent Use
0.5%
VA funding Fee = Loan Amount x Applicable Funding Fee Percentage
VA funding Fee = x
VA funding Fee =
icon

PROPOSED Housing EXPENSE

Interest rate: / APR:
Principal + Interest
$
Hazard Insurance
$
Real Estate Taxes
$
Mortgage Insurance
$
Total Monthly Payment
$
icon

RATE ALERT SETUP

arrow You’ll receive a notification once your target rate is reached. Based on the following assumptions:
  • Loan Amount:
  • Property Value:
  • Loan Term:
  • Credit Score (FICO):
  • Property Type:
Target interest rate
Select
arrow
Current Points/Credits:
How often would you like to receive notifications?
Weekly
arrow
WeeklyMonthlyOnce target rate hits
Our system checks the rate daily and will alert you once your target rate is reached.
Full name
Email address
Phone number
Disclaimer: By submitting this form, you consent to Lock It Mortgage, our service providers, and affiliates contacting you via phone call, email, and text message (SMS/MMS) to assist with your request and improve your experience. Consent is not a condition for using Lock It Mortgage’s services. Message and data rates may apply. Messaging frequency may vary. Reply STOP to opt-out; Reply HELP for support. Visit Privacy Policy and Terms Of Use for details.

See if you qualify for affordable home financing programs

For Low-to-Moderate Income borrowers purchasing or refinancing a primary home

Are you a first-time homebuyer?

Select
arrow
Yes No

First-time homebuyers are those purchasing a home for the first time or who haven't owned property in the past three years.

Total number of financed properties

Select
arrow
Only 1 financed property 2 financed properties More than 2 financed properties

Including the subject property.

What is your total pre-tax income?

Select
arrow

Including income of all borrowers.