Gateway Capital Mortgage
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Florida Mortgage Rates

Your pricing,
the whole structure.

Adjust the scenario and see rate, APR, points or credit, closing costs, and payment for every program, no application or hard credit pull.

Latest available Florida mortgage pricing ● As of September 24, 2026

For each program we show three ways to price the same loan: buy your rate down by paying points up front for a lower rate, take the par rate with no points and no credit, or accept a slightly higher rate and let a lender credit cover your closing costs. Same loan, different trade-offs. Want every option? Open "Show all rate options" under any program.

30 Year Fixed

Lowest rateThe most bought-down option, more paid up front
Rate6.625%
APR6.747%
Points / credit$13,000 cost (2.500 pts up front)
Closing costs$23,625
P&I payment$3,330/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Buy your rate downA lower rate for a bit more paid up front
Rate7.000%
APR7.125%
Points / credit$4,550 cost (0.875 pts up front)
Closing costs$15,257
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate7.125%
APR7.251%
Points / credit$1,300 cost (0.250 pts up front)
Closing costs$12,034
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 5 rate options for 30 Year Fixed
Rate6.625%
APR6.747%
Points / credit$13,000 cost (2.500 pts up front)
Closing costs$23,625
P&I payment$3,330/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.750%
APR6.873%
Points / credit$9,750 cost (1.875 pts up front)
Closing costs$20,403
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.875%
APR6.999%
Points / credit$7,150 cost (1.375 pts up front)
Closing costs$17,830
P&I payment$3,416/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.000%
APR7.125%
Points / credit$4,550 cost (0.875 pts up front)
Closing costs$15,257
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.125%
APR7.251%
Points / credit$1,300 cost (0.250 pts up front)
Closing costs$12,034
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

Elite 30 Year Fixed FHA

Buy your rate downA lower rate for a bit more paid up front
Rate6.750%
APR6.873%
Points / credit$3,848 cost (0.740 pts up front)
Closing costs$14,501
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate7.000%
APR7.125%
Points / credit$1,310 cost (0.252 pts up front)
Closing costs$12,017
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate7.125%
APR7.251%
Points / credit$1,581 credit back
Closing costs$9,153
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 11 rate options for Elite 30 Year Fixed FHA
Rate6.375%
APR6.496%
Points / credit$12,745 cost (2.451 pts up front)
Closing costs$23,316
P&I payment$3,244/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.500%
APR6.621%
Points / credit$9,235 cost (1.776 pts up front)
Closing costs$19,834
P&I payment$3,287/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.625%
APR6.747%
Points / credit$6,152 cost (1.183 pts up front)
Closing costs$16,777
P&I payment$3,330/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.750%
APR6.873%
Points / credit$3,848 cost (0.740 pts up front)
Closing costs$14,501
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.000%
APR7.125%
Points / credit$1,310 cost (0.252 pts up front)
Closing costs$12,017
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.125%
APR7.251%
Points / credit$1,581 credit back
Closing costs$9,153
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.250%
APR7.377%
Points / credit$2,636 credit back
Closing costs$8,124
P&I payment$3,547/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.375%
APR7.503%
Points / credit$5,439 credit back
Closing costs$5,349
P&I payment$3,592/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.500%
APR7.629%
Points / credit$8,050 credit back
Closing costs$2,765
P&I payment$3,636/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.625%
APR7.755%
Points / credit$10,556 credit back
Closing costs$286
P&I payment$3,681/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.750%
APR7.881%
Points / credit$12,912 credit back
Closing costs$2,042 back
P&I payment$3,725/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

Elite 30 Year Fixed VA

Buy your rate downA lower rate for a bit more paid up front
Rate6.750%
APR6.873%
Points / credit$2,028 cost (0.390 pts up front)
Closing costs$12,681
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate6.875%
APR6.999%
Points / credit$395 cost (0.076 pts up front)
Closing costs$11,075
P&I payment$3,416/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate7.000%
APR7.125%
Points / credit$2,590 credit back
Closing costs$8,117
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 13 rate options for Elite 30 Year Fixed VA
Rate6.250%
APR6.370%
Points / credit$13,884 cost (2.670 pts up front)
Closing costs$24,428
P&I payment$3,202/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.375%
APR6.496%
Points / credit$10,925 cost (2.101 pts up front)
Closing costs$21,496
P&I payment$3,244/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.500%
APR6.621%
Points / credit$7,415 cost (1.426 pts up front)
Closing costs$18,014
P&I payment$3,287/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.625%
APR6.747%
Points / credit$4,332 cost (0.833 pts up front)
Closing costs$14,957
P&I payment$3,330/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.750%
APR6.873%
Points / credit$2,028 cost (0.390 pts up front)
Closing costs$12,681
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.875%
APR6.999%
Points / credit$395 cost (0.076 pts up front)
Closing costs$11,075
P&I payment$3,416/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.000%
APR7.125%
Points / credit$2,590 credit back
Closing costs$8,117
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.125%
APR7.251%
Points / credit$5,481 credit back
Closing costs$5,253
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.250%
APR7.377%
Points / credit$6,536 credit back
Closing costs$4,224
P&I payment$3,547/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.375%
APR7.503%
Points / credit$6,739 credit back
Closing costs$4,049
P&I payment$3,592/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.500%
APR7.629%
Points / credit$9,350 credit back
Closing costs$1,465
P&I payment$3,636/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.625%
APR7.755%
Points / credit$11,856 credit back
Closing costs$1,014 back
P&I payment$3,681/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.750%
APR7.881%
Points / credit$14,212 credit back
Closing costs$3,342 back
P&I payment$3,725/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

25 Year Fixed

Lowest rateThe most bought-down option, more paid up front
Rate6.625%
APR6.762%
Points / credit$13,000 cost (2.500 pts up front)
Closing costs$23,625
P&I payment$3,552/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Buy your rate downA lower rate for a bit more paid up front
Rate7.000%
APR7.140%
Points / credit$4,550 cost (0.875 pts up front)
Closing costs$15,257
P&I payment$3,675/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate7.125%
APR7.266%
Points / credit$1,300 cost (0.250 pts up front)
Closing costs$12,034
P&I payment$3,717/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 5 rate options for 25 Year Fixed
Rate6.625%
APR6.762%
Points / credit$13,000 cost (2.500 pts up front)
Closing costs$23,625
P&I payment$3,552/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.750%
APR6.888%
Points / credit$9,750 cost (1.875 pts up front)
Closing costs$20,403
P&I payment$3,593/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.875%
APR7.014%
Points / credit$7,150 cost (1.375 pts up front)
Closing costs$17,830
P&I payment$3,634/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.000%
APR7.140%
Points / credit$4,550 cost (0.875 pts up front)
Closing costs$15,257
P&I payment$3,675/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.125%
APR7.266%
Points / credit$1,300 cost (0.250 pts up front)
Closing costs$12,034
P&I payment$3,717/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

20 Year Fixed

Buy your rate downA lower rate for a bit more paid up front
Rate6.875%
APR7.037%
Points / credit$3,900 cost (0.750 pts up front)
Closing costs$14,580
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate7.000%
APR7.163%
Points / credit$1,300 cost (0.250 pts up front)
Closing costs$12,007
P&I payment$4,032/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate7.125%
APR7.289%
Points / credit$1,950 credit back
Closing costs$8,784
P&I payment$4,071/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 6 rate options for 20 Year Fixed
Rate6.500%
APR6.660%
Points / credit$13,650 cost (2.625 pts up front)
Closing costs$24,248
P&I payment$3,877/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.625%
APR6.786%
Points / credit$9,750 cost (1.875 pts up front)
Closing costs$20,375
P&I payment$3,915/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.750%
APR6.912%
Points / credit$6,500 cost (1.250 pts up front)
Closing costs$17,153
P&I payment$3,954/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.875%
APR7.037%
Points / credit$3,900 cost (0.750 pts up front)
Closing costs$14,580
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.000%
APR7.163%
Points / credit$1,300 cost (0.250 pts up front)
Closing costs$12,007
P&I payment$4,032/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate7.125%
APR7.289%
Points / credit$1,950 credit back
Closing costs$8,784
P&I payment$4,071/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

15 Year Fixed

Lowest rateThe most bought-down option, more paid up front
Rate5.625%
APR5.820%
Points / credit$14,950 cost (2.875 pts up front)
Closing costs$25,359
P&I payment$4,283/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Buy your rate downA lower rate for a bit more paid up front
Rate6.250%
APR6.449%
Points / credit$3,900 cost (0.750 pts up front)
Closing costs$14,444
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate6.375%
APR6.574%
Points / credit$1,950 cost (0.375 pts up front)
Closing costs$12,521
P&I payment$4,494/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 7 rate options for 15 Year Fixed
Rate5.625%
APR5.820%
Points / credit$14,950 cost (2.875 pts up front)
Closing costs$25,359
P&I payment$4,283/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate5.750%
APR5.946%
Points / credit$13,000 cost (2.500 pts up front)
Closing costs$23,436
P&I payment$4,318/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate5.875%
APR6.072%
Points / credit$11,700 cost (2.250 pts up front)
Closing costs$22,163
P&I payment$4,353/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.000%
APR6.197%
Points / credit$8,450 cost (1.625 pts up front)
Closing costs$18,940
P&I payment$4,388/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.125%
APR6.323%
Points / credit$5,200 cost (1.000 pts up front)
Closing costs$15,717
P&I payment$4,423/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.250%
APR6.449%
Points / credit$3,900 cost (0.750 pts up front)
Closing costs$14,444
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.375%
APR6.574%
Points / credit$1,950 cost (0.375 pts up front)
Closing costs$12,521
P&I payment$4,494/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

Elite 15 Year Fixed FHA

Lowest rateThe most bought-down option, more paid up front
Rate5.750%
APR5.946%
Points / credit$13,588 cost (2.613 pts up front)
Closing costs$24,023
P&I payment$4,318/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Buy your rate downA lower rate for a bit more paid up front
Rate6.500%
APR6.700%
Points / credit$2,631 cost (0.506 pts up front)
Closing costs$13,230
P&I payment$4,530/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate6.625%
APR6.826%
Points / credit$494 cost (0.095 pts up front)
Closing costs$11,119
P&I payment$4,566/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 8 rate options for Elite 15 Year Fixed FHA
Rate5.750%
APR5.946%
Points / credit$13,588 cost (2.613 pts up front)
Closing costs$24,023
P&I payment$4,318/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate5.875%
APR6.072%
Points / credit$12,189 cost (2.344 pts up front)
Closing costs$22,652
P&I payment$4,353/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.000%
APR6.197%
Points / credit$9,568 cost (1.840 pts up front)
Closing costs$20,058
P&I payment$4,388/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.125%
APR6.323%
Points / credit$7,223 cost (1.389 pts up front)
Closing costs$17,740
P&I payment$4,423/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.250%
APR6.449%
Points / credit$4,961 cost (0.954 pts up front)
Closing costs$15,505
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.375%
APR6.574%
Points / credit$4,898 cost (0.942 pts up front)
Closing costs$15,470
P&I payment$4,494/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.500%
APR6.700%
Points / credit$2,631 cost (0.506 pts up front)
Closing costs$13,230
P&I payment$4,530/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.625%
APR6.826%
Points / credit$494 cost (0.095 pts up front)
Closing costs$11,119
P&I payment$4,566/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

Elite 15 Year Fixed VA

Lowest rateThe most bought-down option, more paid up front
Rate5.750%
APR5.946%
Points / credit$13,068 cost (2.513 pts up front)
Closing costs$23,503
P&I payment$4,318/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Buy your rate downA lower rate for a bit more paid up front
Rate6.500%
APR6.700%
Points / credit$2,111 cost (0.406 pts up front)
Closing costs$12,710
P&I payment$4,530/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate6.625%
APR6.826%
Points / credit$26 credit back
Closing costs$10,599
P&I payment$4,566/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 8 rate options for Elite 15 Year Fixed VA
Rate5.750%
APR5.946%
Points / credit$13,068 cost (2.513 pts up front)
Closing costs$23,503
P&I payment$4,318/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate5.875%
APR6.072%
Points / credit$11,669 cost (2.244 pts up front)
Closing costs$22,132
P&I payment$4,353/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.000%
APR6.197%
Points / credit$9,048 cost (1.740 pts up front)
Closing costs$19,538
P&I payment$4,388/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.125%
APR6.323%
Points / credit$6,703 cost (1.289 pts up front)
Closing costs$17,220
P&I payment$4,423/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.250%
APR6.449%
Points / credit$4,441 cost (0.854 pts up front)
Closing costs$14,985
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.375%
APR6.574%
Points / credit$4,378 cost (0.842 pts up front)
Closing costs$14,950
P&I payment$4,494/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.500%
APR6.700%
Points / credit$2,111 cost (0.406 pts up front)
Closing costs$12,710
P&I payment$4,530/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.625%
APR6.826%
Points / credit$26 credit back
Closing costs$10,599
P&I payment$4,566/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

10 Year Fixed

Lowest rateThe most bought-down option, more paid up front
Rate5.625%
APR5.902%
Points / credit$14,300 cost (2.750 pts up front)
Closing costs$24,709
P&I payment$5,676/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Buy your rate downA lower rate for a bit more paid up front
Rate6.250%
APR6.530%
Points / credit$3,250 cost (0.625 pts up front)
Closing costs$13,794
P&I payment$5,839/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Par rateNo points and no lender credit, the balanced middle
Rate6.375%
APR6.656%
Points / credit$1,300 cost (0.250 pts up front)
Closing costs$11,871
P&I payment$5,871/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Show all 7 rate options for 10 Year Fixed
Rate5.625%
APR5.902%
Points / credit$14,300 cost (2.750 pts up front)
Closing costs$24,709
P&I payment$5,676/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate5.750%
APR6.028%
Points / credit$12,350 cost (2.375 pts up front)
Closing costs$22,786
P&I payment$5,708/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate5.875%
APR6.153%
Points / credit$11,050 cost (2.125 pts up front)
Closing costs$21,513
P&I payment$5,740/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.000%
APR6.279%
Points / credit$7,800 cost (1.500 pts up front)
Closing costs$18,290
P&I payment$5,773/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.125%
APR6.405%
Points / credit$4,550 cost (0.875 pts up front)
Closing costs$15,067
P&I payment$5,806/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.250%
APR6.530%
Points / credit$3,250 cost (0.625 pts up front)
Closing costs$13,794
P&I payment$5,839/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →
Rate6.375%
APR6.656%
Points / credit$1,300 cost (0.250 pts up front)
Closing costs$11,871
P&I payment$5,871/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

VA 5 Year ARM

Par rateNo points and no lender credit, the balanced middle
Rate5.750%
APR5.817%
Points / credit$13,062 cost (2.512 pts up front)
Closing costs$23,498
P&I payment$3,035/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

VA 3 Year ARM

Par rateNo points and no lender credit, the balanced middle
Rate5.750%
APR5.806%
Points / credit$13,780 cost (2.650 pts up front)
Closing costs$24,216
P&I payment$3,035/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs →

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

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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
★★★★★
430 reviews
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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.
Gil L'Hommedieu ✔
in the last week
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 ✔
in the last week
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 ✔
in the last week
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 week 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 😀
Zach Panarotti ✔
a week ago
Google
★★★★★
True professionals all around. 100% recommended. Michael and his team were there for us every step of the way.
See all reviews
4.9 ★★★★★ 318 reviews
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