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Today's mortgage rates
Better Offers Inc sample rate for September 30, 2026. Your rate depends on your credit, down payment and home.
Get your custom quote →* Rate and APR assumptions
- 780 FICO credit score. This is the score used to price this example, not a minimum qualification score.
- $400,000 conventional purchase loan; $500,000 purchase price and appraised value; $100,000 down payment (20%); 80% loan-to-value.
- Owner-occupied, single-family primary residence in Ventura County, California (ZIP 93065); no second mortgage.
- 30-year fixed term and 30-day lock pricing; no temporary buydown; taxes and insurance escrowed.
- $0 origination fee; 0 discount points; lender underwriting fee waived in this pricing option. APR assumes no additional prepaid finance charges.
- No mortgage insurance at 80% loan-to-value. Employed borrower, $15,000 monthly income, debt-to-income ratio no greater than 45%, not a first-time buyer.
- 360 regular monthly principal-and-interest payments of approximately $2928.93. Property taxes and homeowners insurance are additional, so the total payment will be higher.
- APR uses regular monthly payment periods. Closing date, prepaid interest, additional finance charges or a different first-payment interval can change APR. Rates and APRs for other credit scores or scenarios may differ.
- The rate and APR are a dated sample for the stated scenario, not a Loan Estimate, approval, commitment to lend or rate lock.
- Rates and pricing may change without notice. Request current pricing before making a financing decision.
- Actual eligibility, interest rate, APR and costs depend on credit score, loan amount, loan-to-value, property, purpose, occupancy and other underwriting factors.
- No origination fee does not mean no closing costs. Appraisal, title, recording, prepaid interest, taxes, insurance and other applicable costs may be due.