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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.

* Enter your ZIP, or pick your county, so we use the right loan limits for your area. That is what decides whether your loan is a standard conforming loan, a high-balance loan, or a jumbo, which can change your rate. Your county also sets the property tax and homeowners insurance estimates we use on the full payment and closing cost pages. These are estimates and your actual amounts may vary by property, coverage, and lender.

Latest available Florida mortgage pricing ● As of October 1, 2026

For each program we show three ways to price the same loan, so you can see the trade-off between rate and cash at closing: the lowest rate (the most bought down, so more is paid at closing), a buy-down rate in the middle (a lower rate for less at closing), and the largest credit (a slightly higher rate where the lender credit goes toward 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 at closing for the lowest rate
Rate6.625%
APR7.047%
Points / credit$18,200 cost (3.500 pts up front)
Closing costs$22,870
P&I payment$3,330/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Buy-down rateA middle option, a lower rate for less paid at closing
Rate6.875%
APR7.183%
Points / credit$11,700 cost (2.250 pts up front)
Closing costs$16,370
P&I payment$3,416/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Lowest closing costsA higher rate with the least paid at closing
Rate7.125%
APR7.314%
Points / credit$5,200 cost (1.000 pts up front)
Closing costs$9,870
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Show all 5 rate options for 30 Year Fixed (lowest rate first)Show just our 3 picks for 30 Year Fixed
Rate6.625%
APR7.047%
Points / credit$18,200 cost (3.500 pts up front)
Closing costs$22,870
P&I payment$3,330/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.750%
APR7.103%
Points / credit$14,300 cost (2.750 pts up front)
Closing costs$18,970
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.875%
APR7.183%
Points / credit$11,700 cost (2.250 pts up front)
Closing costs$16,370
P&I payment$3,416/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.000%
APR7.249%
Points / credit$8,450 cost (1.625 pts up front)
Closing costs$13,120
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.125%
APR7.314%
Points / credit$5,200 cost (1.000 pts up front)
Closing costs$9,870
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →

30 Year Fixed FHA

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate6.000%
APR6.436%
Points / credit$19,890 cost (3.825 pts up front)
Closing costs$24,560
P&I payment$3,118/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Buy-down rateA middle option, a lower rate for less paid at closing
Rate6.750%
APR6.866%
Points / credit$1,534 cost (0.295 pts up front)
Closing costs$6,204
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Largest creditA higher rate; the lender credit goes toward your closing costs
Rate7.750%
APR7.750%
Points / credit$12,059 credit back
Closing costs$19,448 back
P&I payment$3,725/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Show all 17 rate options for 30 Year Fixed FHA (lowest rate first)Show just our 3 picks for 30 Year Fixed FHA
Rate6.000%
APR6.436%
Points / credit$19,890 cost (3.825 pts up front)
Closing costs$24,560
P&I payment$3,118/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.099%
APR6.486%
Points / credit$16,962 cost (3.262 pts up front)
Closing costs$21,632
P&I payment$3,151/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.125%
APR6.508%
Points / credit$16,739 cost (3.219 pts up front)
Closing costs$21,409
P&I payment$3,160/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.250%
APR6.600%
Points / credit$14,685 cost (2.824 pts up front)
Closing costs$19,355
P&I payment$3,202/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.375%
APR6.659%
Points / credit$10,899 cost (2.096 pts up front)
Closing costs$15,569
P&I payment$3,244/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.500%
APR6.720%
Points / credit$7,275 cost (1.399 pts up front)
Closing costs$11,945
P&I payment$3,287/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.599%
APR6.769%
Points / credit$4,519 cost (0.869 pts up front)
Closing costs$9,189
P&I payment$3,321/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.625%
APR6.787%
Points / credit$4,072 cost (0.783 pts up front)
Closing costs$8,742
P&I payment$3,330/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.750%
APR6.866%
Points / credit$1,534 cost (0.295 pts up front)
Closing costs$6,204
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.000%
APR7.100%
Points / credit$588 cost (0.113 pts up front)
Closing costs$5,258
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.099%
APR7.156%
Points / credit$1,706 credit back
Closing costs$1,259
P&I payment$3,494/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.125%
APR7.171%
Points / credit$2,283 credit back
Closing costs$104
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.250%
APR7.274%
Points / credit$3,432 credit back
Closing costs$2,194 back
P&I payment$3,547/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.375%
APR7.379%
Points / credit$4,488 credit back
Closing costs$4,305 back
P&I payment$3,592/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.500%
APR7.500%
Points / credit$7,145 credit back
Closing costs$9,620 back
P&I payment$3,636/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.625%
APR7.625%
Points / credit$9,636 credit back
Closing costs$14,601 back
P&I payment$3,681/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.750%
APR7.750%
Points / credit$12,059 credit back
Closing costs$19,448 back
P&I payment$3,725/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →

30 Year Fixed VA

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate6.000%
APR6.395%
Points / credit$17,550 cost (3.375 pts up front)
Closing costs$22,220
P&I payment$3,118/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Buy-down rateA middle option, a lower rate for less paid at closing
Rate6.750%
APR6.832%
Points / credit$286 credit back
Closing costs$4,098
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Largest creditA higher rate; the lender credit goes toward your closing costs
Rate7.750%
APR7.750%
Points / credit$13,359 credit back
Closing costs$22,048 back
P&I payment$3,725/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Show all 16 rate options for 30 Year Fixed VA (lowest rate first)Show just our 3 picks for 30 Year Fixed VA
Rate6.000%
APR6.395%
Points / credit$17,550 cost (3.375 pts up front)
Closing costs$22,220
P&I payment$3,118/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.099%
APR6.444%
Points / credit$14,622 cost (2.812 pts up front)
Closing costs$19,292
P&I payment$3,151/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.125%
APR6.467%
Points / credit$14,399 cost (2.769 pts up front)
Closing costs$19,069
P&I payment$3,160/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.250%
APR6.558%
Points / credit$12,345 cost (2.374 pts up front)
Closing costs$17,015
P&I payment$3,202/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.375%
APR6.626%
Points / credit$9,079 cost (1.746 pts up front)
Closing costs$13,749
P&I payment$3,244/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.500%
APR6.686%
Points / credit$5,455 cost (1.049 pts up front)
Closing costs$10,125
P&I payment$3,287/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.599%
APR6.736%
Points / credit$2,699 cost (0.519 pts up front)
Closing costs$7,369
P&I payment$3,321/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.625%
APR6.754%
Points / credit$2,252 cost (0.433 pts up front)
Closing costs$6,922
P&I payment$3,330/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.750%
APR6.832%
Points / credit$286 credit back
Closing costs$4,098
P&I payment$3,373/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.000%
APR7.026%
Points / credit$3,312 credit back
Closing costs$1,955 back
P&I payment$3,460/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.099%
APR7.099%
Points / credit$5,606 credit back
Closing costs$6,541 back
P&I payment$3,494/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.125%
APR7.125%
Points / credit$6,183 credit back
Closing costs$7,696 back
P&I payment$3,503/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.250%
APR7.250%
Points / credit$7,332 credit back
Closing costs$9,994 back
P&I payment$3,547/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.500%
APR7.500%
Points / credit$8,445 credit back
Closing costs$12,220 back
P&I payment$3,636/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.625%
APR7.625%
Points / credit$10,936 credit back
Closing costs$17,201 back
P&I payment$3,681/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.750%
APR7.750%
Points / credit$13,359 credit back
Closing costs$22,048 back
P&I payment$3,725/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →

25 Year Fixed

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate6.625%
APR7.099%
Points / credit$18,200 cost (3.500 pts up front)
Closing costs$22,870
P&I payment$3,552/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Buy-down rateA middle option, a lower rate for less paid at closing
Rate6.875%
APR7.219%
Points / credit$11,700 cost (2.250 pts up front)
Closing costs$16,370
P&I payment$3,634/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Lowest closing costsA higher rate with the least paid at closing
Rate7.125%
APR7.336%
Points / credit$5,200 cost (1.000 pts up front)
Closing costs$9,870
P&I payment$3,717/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Show all 5 rate options for 25 Year Fixed (lowest rate first)Show just our 3 picks for 25 Year Fixed
Rate6.625%
APR7.099%
Points / credit$18,200 cost (3.500 pts up front)
Closing costs$22,870
P&I payment$3,552/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.750%
APR7.146%
Points / credit$14,300 cost (2.750 pts up front)
Closing costs$18,970
P&I payment$3,593/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.875%
APR7.219%
Points / credit$11,700 cost (2.250 pts up front)
Closing costs$16,370
P&I payment$3,634/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.000%
APR7.278%
Points / credit$8,450 cost (1.625 pts up front)
Closing costs$13,120
P&I payment$3,675/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.125%
APR7.336%
Points / credit$5,200 cost (1.000 pts up front)
Closing costs$9,870
P&I payment$3,717/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →

20 Year Fixed

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate6.500%
APR7.051%
Points / credit$18,200 cost (3.500 pts up front)
Closing costs$22,870
P&I payment$3,877/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Buy-down rateA middle option, a lower rate for less paid at closing
Rate6.750%
APR7.134%
Points / credit$11,050 cost (2.125 pts up front)
Closing costs$15,720
P&I payment$3,954/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Lowest closing costsA higher rate with the least paid at closing
Rate7.125%
APR7.290%
Points / credit$1,950 cost (0.375 pts up front)
Closing costs$6,620
P&I payment$4,071/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Show all 6 rate options for 20 Year Fixed (lowest rate first)Show just our 3 picks for 20 Year Fixed
Rate6.500%
APR7.051%
Points / credit$18,200 cost (3.500 pts up front)
Closing costs$22,870
P&I payment$3,877/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.625%
APR7.101%
Points / credit$14,950 cost (2.875 pts up front)
Closing costs$19,620
P&I payment$3,915/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.750%
APR7.134%
Points / credit$11,050 cost (2.125 pts up front)
Closing costs$15,720
P&I payment$3,954/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.875%
APR7.197%
Points / credit$8,450 cost (1.625 pts up front)
Closing costs$13,120
P&I payment$3,993/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.000%
APR7.244%
Points / credit$5,200 cost (1.000 pts up front)
Closing costs$9,870
P&I payment$4,032/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate7.125%
APR7.290%
Points / credit$1,950 cost (0.375 pts up front)
Closing costs$6,620
P&I payment$4,071/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →

15 Year Fixed

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate5.375%
APR6.098%
Points / credit$20,150 cost (3.875 pts up front)
Closing costs$24,820
P&I payment$4,214/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Buy-down rateA middle option, a lower rate for less paid at closing
Rate5.875%
APR6.322%
Points / credit$10,400 cost (2.000 pts up front)
Closing costs$15,070
P&I payment$4,353/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Lowest closing costsA higher rate with the least paid at closing
Rate6.375%
APR6.536%
Points / credit$650 cost (0.125 pts up front)
Closing costs$5,320
P&I payment$4,494/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Show all 9 rate options for 15 Year Fixed (lowest rate first)Show just our 3 picks for 15 Year Fixed
Rate5.375%
APR6.098%
Points / credit$20,150 cost (3.875 pts up front)
Closing costs$24,820
P&I payment$4,214/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate5.500%
APR6.150%
Points / credit$17,550 cost (3.375 pts up front)
Closing costs$22,220
P&I payment$4,249/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate5.625%
APR6.183%
Points / credit$14,300 cost (2.750 pts up front)
Closing costs$18,970
P&I payment$4,283/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate5.750%
APR6.253%
Points / credit$12,350 cost (2.375 pts up front)
Closing costs$17,020
P&I payment$4,318/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate5.875%
APR6.322%
Points / credit$10,400 cost (2.000 pts up front)
Closing costs$15,070
P&I payment$4,353/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.000%
APR6.353%
Points / credit$7,150 cost (1.375 pts up front)
Closing costs$11,820
P&I payment$4,388/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.125%
APR6.382%
Points / credit$3,900 cost (0.750 pts up front)
Closing costs$8,570
P&I payment$4,423/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.250%
APR6.469%
Points / credit$2,600 cost (0.500 pts up front)
Closing costs$7,270
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate6.375%
APR6.536%
Points / credit$650 cost (0.125 pts up front)
Closing costs$5,320
P&I payment$4,494/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →

15 Year Fixed FHA

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate5.500%
APR6.198%
Points / credit$19,188 cost (3.690 pts up front)
Closing costs$23,858
P&I payment$4,249/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Buy-down rateA middle option, a lower rate for less paid at closing
Rate6.250%
APR6.523%
Points / credit$4,384 cost (0.843 pts up front)
Closing costs$9,054
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Largest creditA higher rate; the lender credit goes toward your closing costs
Rate7.099%
APR7.164%
Points / credit$2,579 credit back
Closing costs$488 back
P&I payment$4,703/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Show all 13 rate options for 15 Year Fixed FHA (lowest rate first)Show just our 3 picks for 15 Year Fixed FHA
Rate5.500%
APR6.198%
Points / credit$19,188 cost (3.690 pts up front)
Closing costs$23,858
P&I payment$4,249/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate5.625%
APR6.247%
Points / credit$16,484 cost (3.170 pts up front)
Closing costs$21,154
P&I payment$4,283/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate5.750%
APR6.294%
Points / credit$13,754 cost (2.645 pts up front)
Closing costs$18,424
P&I payment$4,318/mo
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Rate5.875%
APR6.374%
Points / credit$12,142 cost (2.335 pts up front)
Closing costs$16,812
P&I payment$4,353/mo
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Rate6.000%
APR6.420%
Points / credit$9,402 cost (1.808 pts up front)
Closing costs$14,072
P&I payment$4,388/mo
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Rate6.099%
APR6.457%
Points / credit$7,296 cost (1.403 pts up front)
Closing costs$11,966
P&I payment$4,416/mo
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Rate6.125%
APR6.467%
Points / credit$6,744 cost (1.297 pts up front)
Closing costs$11,414
P&I payment$4,423/mo
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Rate6.250%
APR6.523%
Points / credit$4,384 cost (0.843 pts up front)
Closing costs$9,054
P&I payment$4,459/mo
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Rate6.375%
APR6.633%
Points / credit$3,869 cost (0.744 pts up front)
Closing costs$8,539
P&I payment$4,494/mo
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Rate6.500%
APR6.689%
Points / credit$1,539 cost (0.296 pts up front)
Closing costs$6,209
P&I payment$4,530/mo
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Rate6.599%
APR6.736%
Points / credit$161 credit back
Closing costs$4,348
P&I payment$4,558/mo
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Rate6.625%
APR6.749%
Points / credit$593 credit back
Closing costs$3,484
P&I payment$4,566/mo
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Rate7.099%
APR7.164%
Points / credit$2,579 credit back
Closing costs$488 back
P&I payment$4,703/mo
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15 Year Fixed VA

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate5.500%
APR6.183%
Points / credit$18,668 cost (3.590 pts up front)
Closing costs$23,338
P&I payment$4,249/mo
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Buy-down rateA middle option, a lower rate for less paid at closing
Rate6.250%
APR6.507%
Points / credit$3,864 cost (0.743 pts up front)
Closing costs$8,534
P&I payment$4,459/mo
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Largest creditA higher rate; the lender credit goes toward your closing costs
Rate7.099%
APR7.148%
Points / credit$3,099 credit back
Closing costs$1,528 back
P&I payment$4,703/mo
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Show all 13 rate options for 15 Year Fixed VA (lowest rate first)Show just our 3 picks for 15 Year Fixed VA
Rate5.500%
APR6.183%
Points / credit$18,668 cost (3.590 pts up front)
Closing costs$23,338
P&I payment$4,249/mo
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Rate5.625%
APR6.232%
Points / credit$15,964 cost (3.070 pts up front)
Closing costs$20,634
P&I payment$4,283/mo
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Rate5.750%
APR6.279%
Points / credit$13,234 cost (2.545 pts up front)
Closing costs$17,904
P&I payment$4,318/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate5.875%
APR6.358%
Points / credit$11,622 cost (2.235 pts up front)
Closing costs$16,292
P&I payment$4,353/mo
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Rate6.000%
APR6.404%
Points / credit$8,882 cost (1.708 pts up front)
Closing costs$13,552
P&I payment$4,388/mo
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Rate6.099%
APR6.442%
Points / credit$6,776 cost (1.303 pts up front)
Closing costs$11,446
P&I payment$4,416/mo
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Rate6.125%
APR6.452%
Points / credit$6,224 cost (1.197 pts up front)
Closing costs$10,894
P&I payment$4,423/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate6.250%
APR6.507%
Points / credit$3,864 cost (0.743 pts up front)
Closing costs$8,534
P&I payment$4,459/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate6.375%
APR6.617%
Points / credit$3,349 cost (0.644 pts up front)
Closing costs$8,019
P&I payment$4,494/mo
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Rate6.500%
APR6.673%
Points / credit$1,019 cost (0.196 pts up front)
Closing costs$5,689
P&I payment$4,530/mo
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Rate6.599%
APR6.721%
Points / credit$681 credit back
Closing costs$3,308
P&I payment$4,558/mo
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Rate6.625%
APR6.734%
Points / credit$1,113 credit back
Closing costs$2,444
P&I payment$4,566/mo
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Rate7.099%
APR7.148%
Points / credit$3,099 credit back
Closing costs$1,528 back
P&I payment$4,703/mo
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10 Year Fixed

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate5.375%
APR6.377%
Points / credit$19,500 cost (3.750 pts up front)
Closing costs$24,170
P&I payment$5,611/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Buy-down rateA middle option, a lower rate for less paid at closing
Rate5.875%
APR6.482%
Points / credit$9,750 cost (1.875 pts up front)
Closing costs$14,420
P&I payment$5,740/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Lowest closing costsA higher rate with the least paid at closing
Rate6.375%
APR6.574%
Points / creditPar · no points
Closing costs$4,670
P&I payment$5,871/mo
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Show all 9 rate options for 10 Year Fixed (lowest rate first)Show just our 3 picks for 10 Year Fixed
Rate5.375%
APR6.377%
Points / credit$19,500 cost (3.750 pts up front)
Closing costs$24,170
P&I payment$5,611/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate5.500%
APR6.398%
Points / credit$16,900 cost (3.250 pts up front)
Closing costs$21,570
P&I payment$5,643/mo
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Rate5.625%
APR6.391%
Points / credit$13,650 cost (2.625 pts up front)
Closing costs$18,320
P&I payment$5,676/mo
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Rate5.750%
APR6.436%
Points / credit$11,700 cost (2.250 pts up front)
Closing costs$16,370
P&I payment$5,708/mo
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Rate5.875%
APR6.482%
Points / credit$9,750 cost (1.875 pts up front)
Closing costs$14,420
P&I payment$5,740/mo
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Rate6.000%
APR6.472%
Points / credit$6,500 cost (1.250 pts up front)
Closing costs$11,170
P&I payment$5,773/mo
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Rate6.125%
APR6.461%
Points / credit$3,250 cost (0.625 pts up front)
Closing costs$7,920
P&I payment$5,806/mo
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Rate6.250%
APR6.532%
Points / credit$1,950 cost (0.375 pts up front)
Closing costs$6,620
P&I payment$5,839/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate6.375%
APR6.574%
Points / creditPar · no points
Closing costs$4,670
P&I payment$5,871/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →

VA 5 Year ARM

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate5.250%
APR5.898%
Points / credit$18,054 cost (3.472 pts up front)
Closing costs$22,724
P&I payment$2,871/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Buy-down rateA middle option, a lower rate for less paid at closing
Rate5.500%
APR5.959%
Points / credit$15,808 cost (3.040 pts up front)
Closing costs$20,478
P&I payment$2,953/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Lowest closing costsA higher rate with the least paid at closing
Rate5.750%
APR5.963%
Points / credit$10,275 cost (1.976 pts up front)
Closing costs$14,945
P&I payment$3,035/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Show all 4 rate options for VA 5 Year ARM (lowest rate first)Show just our 3 picks for VA 5 Year ARM
Rate5.250%
APR5.898%
Points / credit$18,054 cost (3.472 pts up front)
Closing costs$22,724
P&I payment$2,871/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate5.500%
APR5.959%
Points / credit$15,808 cost (3.040 pts up front)
Closing costs$20,478
P&I payment$2,953/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate5.625%
APR5.961%
Points / credit$13,042 cost (2.508 pts up front)
Closing costs$17,712
P&I payment$2,993/mo
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Rate5.750%
APR5.963%
Points / credit$10,275 cost (1.976 pts up front)
Closing costs$14,945
P&I payment$3,035/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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VA 3 Year ARM

Lowest rateThe most bought-down option, more paid at closing for the lowest rate
Rate4.750%
APR5.858%
Points / credit$19,698 cost (3.788 pts up front)
Closing costs$24,368
P&I payment$2,713/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Buy-down rateA middle option, a lower rate for less paid at closing
Rate5.250%
APR5.891%
Points / credit$14,180 cost (2.727 pts up front)
Closing costs$18,850
P&I payment$2,871/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Lowest closing costsA higher rate with the least paid at closing
Rate5.750%
APR5.941%
Points / credit$9,656 cost (1.857 pts up front)
Closing costs$14,326
P&I payment$3,035/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Show all 6 rate options for VA 3 Year ARM (lowest rate first)Show just our 3 picks for VA 3 Year ARM
Rate4.750%
APR5.858%
Points / credit$19,698 cost (3.788 pts up front)
Closing costs$24,368
P&I payment$2,713/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate5.000%
APR5.911%
Points / credit$19,094 cost (3.672 pts up front)
Closing costs$23,764
P&I payment$2,791/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate5.125%
APR5.901%
Points / credit$16,630 cost (3.198 pts up front)
Closing costs$21,300
P&I payment$2,831/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate5.250%
APR5.891%
Points / credit$14,180 cost (2.727 pts up front)
Closing costs$18,850
P&I payment$2,871/mo
Not ready to apply? We’ll email you if this rate reaches your target.
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Rate5.625%
APR5.951%
Points / credit$12,069 cost (2.321 pts up front)
Closing costs$16,739
P&I payment$2,993/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →
Rate5.750%
APR5.941%
Points / credit$9,656 cost (1.857 pts up front)
Closing costs$14,326
P&I payment$3,035/mo
Not ready to apply? We’ll email you if this rate reaches your target.
See Full Monthly Payment with Closing Costs & Estimated Housing Expenses →

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

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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 ✔
a week 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 ✔
a week 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 ✔
a week 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 ✔
2 weeks 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 ✔
3 weeks ago
Google
★★★★★
True professionals all around. 100% recommended. Michael and his team were there for us every step of the way.
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4.9 ★★★★★ 318 reviews
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