Gateway Capital Mortgage
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Live rates and closing costs

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Real lender pricing for your exact loan, updated today · no sign-up, no credit pull

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* Enter your ZIP or pick your county so we price with the right loan limits for your area. That decides whether your loan is conforming, high-balance or jumbo, which can change your rate. Your county also sets the property tax and insurance estimates on the full payment page.

Latest available pricing

As of October 16, 2026

For each program we show four ways to price the same loan: a buy-down rate with about one point paid at closing, then three lender credit options, small, middle and large, where a slightly higher rate pays toward your closing costs. Every option shows its exact closing costs.

30 Year Fixed

Buy-down rate About 0.925 points paid at closing for a lower rate and payment
Rate6.999%
APR7.179%
Points / credit$4,810 cost (0.925 pts)
Closing costs$9,480
P&I payment$3,459/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate7.375%
APR7.434%
Points / credit$1,664 credit
Closing costs$3,006
P&I payment$3,592/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.599%
APR7.599%
Points / credit$5,860 credit
Closing costs$1,190 Back
P&I payment$3,671/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.875%
APR7.875%
Points / credit$10,686 credit
Closing costs$6,016 Back
P&I payment$3,770/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

30 Year Fixed FHA

Buy-down rate About 1.32 points paid at closing for a lower rate and payment
Rate6.375%
APR6.586%
Points / credit$6,864 cost (1.320 pts)
Closing costs$11,534
P&I payment$3,244/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.750%
APR6.800%
Points / credit$1,992 credit
Closing costs$2,678
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.125%
APR7.125%
Points / credit$6,094 credit
Closing costs$1,424 Back
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.500%
APR7.500%
Points / credit$8,570 credit
Closing costs$3,900 Back
P&I payment$3,636/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

30 Year Fixed VA

Buy-down rate About 0.97 points paid at closing for a lower rate and payment
Rate6.375%
APR6.552%
Points / credit$5,044 cost (0.970 pts)
Closing costs$9,714
P&I payment$3,244/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.599%
APR6.665%
Points / credit$1,108 credit
Closing costs$3,562
P&I payment$3,321/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.000%
APR7.000%
Points / credit$7,114 credit
Closing costs$2,444 Back
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.250%
APR7.250%
Points / credit$11,050 credit
Closing costs$6,380 Back
P&I payment$3,547/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

25 Year Fixed

Buy-down rate About 1.125 points paid at closing for a lower rate and payment
Rate6.750%
APR6.970%
Points / credit$5,850 cost (1.125 pts)
Closing costs$10,520
P&I payment$3,593/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate7.125%
APR7.183%
Points / credit$1,950 credit
Closing costs$2,720
P&I payment$3,717/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

20 Year Fixed

Buy-down rate About 1.112 points paid at closing for a lower rate and payment
Rate6.999%
APR7.257%
Points / credit$5,782 cost (1.112 pts)
Closing costs$10,452
P&I payment$4,031/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate7.375%
APR7.480%
Points / credit$504 credit
Closing costs$4,166
P&I payment$4,149/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate7.125%
APR7.125%
Points / credit$5,200 credit
Closing costs$530 Back
P&I payment$4,071/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.875%
APR7.875%
Points / credit$10,093 credit
Closing costs$5,423 Back
P&I payment$4,309/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

15 Year Fixed

Buy-down rate About 1.25 points paid at closing for a lower rate and payment
Rate5.875%
APR6.207%
Points / credit$6,500 cost (1.250 pts)
Closing costs$11,170
P&I payment$4,353/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.250%
APR6.352%
Points / credit$1,300 credit
Closing costs$3,370
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.750%
APR6.750%
Points / credit$5,366 credit
Closing costs$696 Back
P&I payment$4,602/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.125%
APR7.125%
Points / credit$12,230 credit
Closing costs$7,560 Back
P&I payment$4,710/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

15 Year Fixed FHA

Buy-down rate About 1.175 points paid at closing for a lower rate and payment
Rate5.875%
APR6.196%
Points / credit$6,110 cost (1.175 pts)
Closing costs$10,780
P&I payment$4,353/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.250%
APR6.359%
Points / credit$1,066 credit
Closing costs$3,604
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.599%
APR6.634%
Points / credit$3,531 credit
Closing costs$1,139
P&I payment$4,558/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.625%
APR6.647%
Points / credit$3,962 credit
Closing costs$708
P&I payment$4,566/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

15 Year Fixed VA

Buy-down rate About 1.075 points paid at closing for a lower rate and payment
Rate5.875%
APR6.180%
Points / credit$5,590 cost (1.075 pts)
Closing costs$10,260
P&I payment$4,353/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.250%
APR6.343%
Points / credit$1,586 credit
Closing costs$3,084
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.599%
APR6.618%
Points / credit$4,051 credit
Closing costs$619
P&I payment$4,558/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate6.625%
APR6.631%
Points / credit$4,482 credit
Closing costs$188
P&I payment$4,566/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

10 Year Fixed

Buy-down rate About 1.125 points paid at closing for a lower rate and payment
Rate5.875%
APR6.319%
Points / credit$5,850 cost (1.125 pts)
Closing costs$10,520
P&I payment$5,740/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Small credit Just above par; a modest lender credit toward closing costs
Rate6.250%
APR6.366%
Points / credit$1,950 credit
Closing costs$2,720
P&I payment$5,839/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Middle credit A slightly higher rate; a larger credit toward closing costs
Rate6.750%
APR6.750%
Points / credit$6,750 credit
Closing costs$2,080 Back
P&I payment$5,971/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance
Large credit A higher rate; the credit can cover most of your closing costs
Rate7.125%
APR7.125%
Points / credit$11,991 credit
Closing costs$7,321 Back
P&I payment$6,071/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

10/6 ARM

Buy-down rate About 2.791 points paid at closing for a lower rate and payment
Rate7.125%
APR7.328%
Points / credit$14,513 cost (2.791 pts)
Closing costs$19,183
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

7/6 ARM

Buy-down rate About 2.529 points paid at closing for a lower rate and payment
Rate6.750%
APR7.022%
Points / credit$13,151 cost (2.529 pts)
Closing costs$17,821
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

5/6 ARM

Buy-down rate About 1.559 points paid at closing for a lower rate and payment
Rate7.125%
APR7.069%
Points / credit$8,107 cost (1.559 pts)
Closing costs$12,777
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

5 Year ARM VA

Buy-down rate About 1.567 points paid at closing for a lower rate and payment
Rate5.750%
APR5.926%
Points / credit$8,148 cost (1.567 pts)
Closing costs$12,818
P&I payment$3,035/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

3 Year ARM VA

Buy-down rate About 1.143 points paid at closing for a lower rate and payment
Rate5.750%
APR5.876%
Points / credit$5,944 cost (1.143 pts)
Closing costs$10,614
P&I payment$3,035/mo
Not ready to apply? We’ll email you if this rate reaches your target. Full monthly payment with closing costs, taxes and insurance

Principal and interest only. Taxes, insurance, HOA dues and mortgage insurance are not included unless stated. Rates are examples based on the scenario above, subject to verification and market changes, and are not a commitment to lend.

Not sure which to pick? Read “Which rate should I choose?” →

Get a rate alert

Tell us the rate you are waiting for and we will email you the moment it is reached. No credit pull.

Rates shown are estimates for planning only and are not a rate lock, an offer, or a commitment to lend. Talk to a loan officer for a rate specific to your scenario.

Reviews

Our clients are why we're here.

Real reviews from real closings, gathered from every place clients leave them.

4.9
★★★★★
431 reviews
Write a Review
T
Taylor J ✔
September 3, 2026
BBB
★★★★★
We are very grateful to the team for helping us get across the finish line and into our first home! Throughout the process they worked hard to earn our business and followed through on every promise. They put together a very competitive loan for us. I especially want to recognize our loan processor, who was absolutely amazing from start to finish: responsive, organized, and patient. As first-time homebuyers we had an endless number of questions, and she answered every single one without ever making us feel like a bother. She kept everything on track and helped us close on time. The team even sent a thoughtful closing gift. Thank you all for helping us become homeowners!
B
Brandon P ✔
September 1, 2026
BBB
★★★★★
Have closed 2 separate homes with Gateway Capital. Very professional and friendly in both transactions. Will continue to be my go-to lender.
C
Christian K ✔
August 25, 2026
BBB
★★★★★
Great experience, over delivered on rates and speed of underwriting. Would highly recommend.
A
Andrew T ✔
August 7, 2026
BBB
★★★★★
I had a great experience working with the Gateway team. They were extremely helpful during the process and guided me through some key decisions. I will gladly work with them again in the future.
R
Raj U ✔
August 7, 2026
BBB
★★★★★
Five stars for Gateway Capital Mortgage. After working with them on a few recent investment properties, they have become my go-to for mortgage lending. Incredibly communicative, always available to run numbers or check current rates when I'm evaluating a new property, and they navigate the paperwork effortlessly. If you want a seamless closing process, work with Gateway.
M
mikeb ✔
Saint Petersburg, FL · March 24, 2026
Zillow
★★★★★
Best mortgage broker
Michael and the team at Gateway Capital provide a fantastic, professional service for homebuyers. As a first-time home buyer, Michael was very patient, always available, and expertly informative. He helped us secure an excellent mortgage package, and we were cleared to close ahead of schedule. 5 stars in every way.
Z
Zafar Mahmood ✔
Wylie, TX · March 21, 2026
Zillow
★★★★★
Great refinance experience
I have just refinanced with Gateway Capital Mortgage and it has been an incredible experience. Michael Tadros helped me lock the lowest rate possible, him and his entire team worked tirelessly to make it the best refinance in a short amount of time. Michael and team were on top of all aspects to close in just 16 days for me!
E
Ethan ✔
Lewisville, TX · March 19, 2026
Zillow
★★★★★
Great service, direct information
I shopped around pretty seriously and Gateway Capital Mortgage came in with the best rate without the extra points stuff. On top of that the customer service from Michael and his team was top tier. Will be using them again next time!
O
Olivia N ✔
Eglin AFB, FL · November 17, 2024
Zillow
★★★★★
Solid rate, flexible, quick closing
Michael and the team at Gateway Capital Mortgage were fantastic to work with! The sellers were difficult, which drove a lot of changes to closing, but the GCM team was professional, flexible, and got us to the finish line!
M
miguelmhb79 ✔
Decatur, TX · October 16, 2024
Zillow
★★★★★
Great
Team was great, very helpful. Michael and Julie were great to work with. Very happy with their help. Thank you all, keep up the good work.
Jane Doeva ✔
a week ago
Google
★★★★★
Gateway Capital Mortgage provided exceptional service! Michael contacted me immediately and gave me a clear list of documents needed for pre-approval. Once I was approved for the full amount requested, the entire process took less than a month to close. I highly recommend this company—especially if you are financing a modular/mobile home, which can be incredibly challenging when dealing with traditional banks.
Gil L'Hommedieu ✔
3 weeks ago
Google
★★★★★
Michael and his team are the Real Deal. Michael even took my call on a Sunday morning. He and his team worked hard to secure the best possible rate and terms while getting me to the closing table fast. They've absolutely earned my future business and this endorsement.
Debra Allen ✔
3 weeks ago
Google
★★★★★
Everyone was very helpful and a pleasure to deal with throughout the entire process, including post-closing. They also offered the lowest rate so it was a win win!
Tom Meshinsky ✔
4 weeks ago
Google
★★★★★
Gateway Capital Mortgage provided an exceptional, A++ caliber experience throughout the entire process. Their team demonstrated exemplary professionalism, precise communication, and a commitment to delivering results with accuracy and efficiency. Every interaction reflected deep industry knowledge and a genuine dedication to client success. I confidently recommend Gateway Capital Mortgage to anyone seeking a superior, well-managed mortgage experience.
Anon ✔
a month ago
Google
★★★★★
Shannon O'Brien and team delivered a super efficient, knowledgeable, quick, and very professional borrowing experience. We closed flawlessly in two weeks from first contact to funding. This transaction was paramount to me and these all-stars played a heroic role in my long-term success journey. Also, they didn't know this, but I vetted about 20 hard money lenders to find the best fit before choosing to work with them. They did not disappoint! I really believe they were heaven sent. I'm looking forward to doing more business with them in the future. Elizabeth 😀
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4.9 ★★★★★ 319 reviews
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