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Single Family Rates - May 5, 2025 - 11:15 AM

Important note regarding rates: Market conditions are volatile and rates change frequently. The posted rates are accurate as of the time and day posted. All rates are subject to change without notice and we encourage you to contact us for up to the moment quotes.


Conforming Fixed

Standard Fannie Mae (FNMA) mortgage loans (Loans with PMI will have higher APRs)

30 Year Fixed

  • 6.500%
  • 6.592% APR
  • $6.32 Per/1000
  • 0.708% Points
  • $1313.00 Lender Fees
  • No Application Fee

15 Year Fixed

  • 6.000% 
  • 6.155% APR
  • $8.43 Per/1000
  • 0.716% Points
  • $1313.00 Lender Fees
  • No Application Fee


Government Fixed

Low Down Payment. Lower credit scores accepted with higher APR.

30 Year Fixed FHA

  • 5.750%
  • 6.740% APR
  • $6.28 Per/1000 (inc. MIP)
  • 2.566% Points
  • $1313.00 Lender Fees
  • No Application Fee

30 Year Fixed VA

  • 5.750%
  • 6.196% APR
  • $5.83 Per/1000 (inc VA FF)
  • 2.736% Points
  • $1313.00 Lender Fees
  • No Application Fee


Home Ready © - First Time HomeBuyers

First Time Buyer Program - Income limits apply - Mortgage Insurance (PMI) required for rate offering shown. Ask about different down payment options.

30 Year Fixed

  • 6.375%
  • 6.685% APR
  • $6.47 Per/1000 (inc. PMI)
  • 1.035% Points
  • $1175.00 Lender Fees
  • No Application Fee


15 Year Fixed

  • 6.375%
  • 6.546% APR
  • $8.80 Per/1000 (incl PMI)
  • 0.326% Points
  • $1175.00 Lender Fees
  • No Application Fee




Jumbo

30 Year Fixed

  • 6.500%
  • 6.978% APR
  • $6.30 Per/1000
  • 0.75% Points
  • $1313.00 Lender Fees
  • No Application Fee

ARM

  •  Not Available

  • adonato@ownitllc.com


Single Family - Owner Occupied Rates effective 05/05/2025. All rates are subject to change without notice. Home Ready APR assumes 90.00 LTV with points, 30 Year PMI .29, 15 Year PMI .21, $1175-$1313 Lender Fee for 30 Day rate lock. FHA/VA APR assumes - 780 Credit Score, 96.5 LTV, $1175-1313 Lender Fee, 1.75% UFMIP and .85% Annual MIP FHA Only for 30 Day rate lock. - VA incl. 2.15% Funding Fee - Conventional APR assumes - 780 credit score, 70 LTV with points, $1175-1313 Lender Fee for 30 Day rate lock. Jumbo APR assume - 780 credit score, 65 LTV with points, $1175-1313 Lender Fee for 30 Day rate lock. Loans are NOT locked in at application. A completed application is required prior to locking in. Rate Lock-ins cannot be accepted by fax. Rate Lock-ins are only available Monday thru Friday, 10:00 AM to 4:00 PM. Posted rates are subject to change without notice. Additional programs are available for lower credit scores and LTVs.

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