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Rocket Mortgage by Quicken Loans
3.9 out of 5 stars, 2666 reviews
New American Funding
4.7 out of 5 stars, 1744 reviews
Veterans United
4.9 out of 5 stars, 1244 reviews

About These Rates: The lenders whose rates and other terms appear on this site are our advertising partners. The interest rates, annual percentage rates, and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and they do not bind any lender. The interest rates shown here do not factor in your actual income. The monthly payment amounts and APRs shown here do not include taxes and insurance. Lender Fees include application, commitment, underwriting, processing fees or similar fees and do not include most third party fees, such as title insurance, tax service, escrow and other such fees in which the lender does not profit and are passed directly through to the borrower. Any potential savings figures are estimates based on the information provided by you and our advertising partners. While we will always do our best to provide you with accurate rate data, rates change frequently, and each advertising partner is responsible for the accuracy and availability of its own advertised terms. Your actual annual percentage rate and loan terms will be determined by the advertising partner’s assessment of your creditworthiness and other factors after you select and apply for a loan product. The credit scores you see on Credit Vana use the VantageScore 3.0 scoring model. Rates shown here may be retrieved using a different scoring model, and our advertising partners may also use a different scoring model when assessing your creditworthiness. The rates and other terms shown here may differ from those an advertising partner displays on its own website or on other advertising platforms. When evaluating offers, please review the advertising partner’s terms and conditions for details. Rates and terms displayed as Rocket Mortgage by Quicken Loans were retrieved directly from this advertising partner. All other rates and terms were retrieved from the Mortech rate engine.Advertiser Disclosure: The offers that appear on this site are from third party advertisers from which we receive compensation. It is this compensation that enables us to provide you with services like free access to your credit scores and free monitoring of your credit and financial accounts at no charge. The compensation we receive does not affect the order or placement of mortgage offers on this site. We strive to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products. We do not endorse any lender or provider, in particular.Please see the additional terms and conditions related to any Credit Vana mortgage promotions.

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Editorial Note: Credit Vana receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Availability of products, features and discounts may vary by state or territory. Read our Editorial Guidelines to learn more about our team.


What's a mortgage APR?

Your annual percentage rate, or APR, is one of the many costs that comes with a mortgage. While your mortgage’s interest rate is the annual cost to borrow money (expressed as a percentage), your APR takes other fees and charges into account.

Your APR includes the loan’s interest rate, any mortgage points you purchase, and lender and broker fees. Looking at your APR can give you a picture of the true cost of your mortgage.

A mortgage’s APR is usually more than its interest rate.

What are mortgage fees?

Charging fees is one way that lenders make money off mortgage loans. Mortgage fees should be listed on your closing documents and may include the following:

  • Origination fee
  • Application/processing/administrative fee
  • Underwriting fee
  • Points fee
  • Appraisal fee
  • Inspection fee
  • Attorney review fee
  • Private mortgage insurance
  • Homeowners insurance
  • Title search or insurance fees
  • Survey fee
  • Prepayment penalty
What are different types of mortgage loans?

The most common type of mortgage loan is a conventional loan. Other types are backed by the Federal Housing Administration or are from a special program such as the Veterans Administration or the USDA.

Most mortgages are conventional, meaning they’re not part of any specific government program — though they’re still subject to federal mortgage laws. Conventional loans typically cost less than FHA loans, but it may be harder to qualify for a conventional loan.

The FHA regulates and insures FHA loans, and private lenders make the loans. FHA loans allow you to borrow with a lower down payment and generally with lower credit scores. But you may be limited on how much you can borrow through an FHA mortgage.

Special home loan programs are tailored for certain groups. For example, VA loans are for veterans, military service members or surviving spouses, while USDA loans are for lower- or middle-income borrowers in rural areas.

What documents do I need for a mortgage?

Each lender will have its own requirements for what documents to submit when applying for a mortgage. But here’s the info you’ll generally need to provide.

  • A month’s worth of paystubs
  • W-2s for the past two years
  • Your federal income tax return for the past two tax years
  • Proof of income
  • Recent bank statements
  • Proof of your down payment amount, such as a savings account statement
  • Documentation of a name change (if you’ve recently changed your name)
  • Identification, such as a driver’s license
  • Your Social Security number
  • A certificate of housing counseling or home-buyer education (if you have one)
Will mortgage rates go down?

It depends — mortgage rates are generally influenced by the prime rate. Many banks base their prime rates on the federal funds rate, which is the rate banks charge each other for short-term loans. When the Federal Reserve changes the federal funds rate, mortgage interest rates can react and go up or down.

But a lower (or higher) prime rate doesn’t necessarily determine the mortgage rate you’ll qualify for. Your credit scores, the type of loan you’re seeking, the price of your home and how much down payment you can afford can also affect your mortgage rate.