US Mortgage Rates-CrediVita

US Mortgage Rates Origin: APR 6%-7.95%

Conventional 30yr: 6.50%-7.00% | FHA: 6.10%-6.60% | VA: 5.90%-6.40%
Jumbo: 6.70%-7.20% | 5/1 ARM: 6.20%-6.70%
Rates by FICO from Excellent (760+) to Min (620).

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Product Details

Major Mortgage Products

Product	Rate	APR	Min FICO
Conventional 30yr Fixed	6.50%-7.00%	6.65%-7.15%	620
Conventional 15yr Fixed	5.90%-6.30%	6.00%-6.45%	620
FHA 30yr	6.10%-6.60%	6.70%-7.40%	500-580
VA 30yr	5.90%-6.40%	6.10%-6.70%	No down payment
Jumbo 30yr	6.70%-7.20%	6.85%-7.35%	700
5/1 ARM	6.20%-6.70%	6.40%-6.90%	620

Rates include interest, points, origination fees, insurance. Daily market fluctuation (2026 reference).

How to Apply — 3 Simple Steps

01Initial Preparation & Product Selection

Review your financial needs and compare loan options. Always evaluate based on APR (Annual Percentage Rate), which is the legally recognized standard for measuring the true cost of borrowing, including all fees and charges.

02Application Submission & Credit Review

Submit your application online. Lenders will review your credit profile, income, and debt-to-income ratio. Pre-qualification is available with most lenders using a soft credit pull that does not affect your credit score.

03E-Signature & Loan Funding

Once approved, review and sign your loan agreement electronically. Funds are typically deposited within 1-7 business days. Ensure monthly payments fit comfortably within your budget before signing.

Note: All rates and fees shown are estimates. Exact terms will be defined in the official loan agreement issued by your lender. Always request full APR disclosure before signing to avoid hidden costs.

Conventional 30yr by FICO

FICO Range	Level	Rate	APR
760-850	Excellent	6.20%-6.50%	6.35%-6.65%
740-759	Very Good	6.40%-6.70%	6.55%-6.85%
720-739	Good	6.55%-6.85%	6.70%-7.00%
680-719	Average	6.75%-7.05%	6.90%-7.20%
640-679	Fair	7.00%-7.40%	7.15%-7.55%
620-639	Min Qualifying	7.30%-7.80%	7.45%-7.95%

Key Business Points

Mortgage APR includes interest + points + fees + PMI. TILA mandates full disclosure.
FHA requires MIP even with low down payment; VA no down payment, no PMI.
Key factors: FICO, down payment (LTV), product type, amount, location, DTI.
LLPA: lower FICO + higher LTV triggers extra fees, raising effective APR.
ARM starts lower but adjusts upward after fixed period.
Refinance rates typically 0.1-0.3pp higher than purchase rates.

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