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Getting pre-qualified for your new home has never been easier. Explore the different loan options below and connect with over a hundred different industry lenders to lock in the lowest rates possible.
HARP Replacement Programs
These programs, Fannie Mae’s High LTV Refinance Option and Freddie Mac’s Enhanced Relief Refinance, are essentially an extension of HARP but with different names and slightly different requirements. They offer benefits including reduced monthly payments, lower interest rates, shorter loan terms and the ability to convert an adjustable rate to a fixed-rate mortgage.
The Good
- No maximum loan-to-value(LTV) ratio
- No appraisal report required
- Simplified income and employment verification
- More fleible borrower qualification requirements
- No borrower income limit
- All property types are eligible
- Higher mortgage limits in certain counties
- No minimum credit score or maximum debt-to-income ratio in most cases
The Challenges
- Borrower must be current on mortgage
- Some loan limitations
FHA Loan Rates
FHA loans come in 15- or 30-year fixed rate terms for qualified applicants.
| Term | Rate | APR |
|---|
| 30-year fixed | 2.759% | 3.108% |
|---|---|---|
| 15-year fixed | 2.890% | 3.336% |
FHA Loan
An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
The Good
- Lower Credit Scores are OK
- Low Down Payment and Monetary Gifts Are Accepted
- Sellers Can Pay Some of the Closing Costs
- A Non-Occupying Co-Borrower is Accepted
The Challenges
- Loan Limits
- Mortgage Insurance Premium and Upfront Mortgage Insurance Payment
FHA Loan Rates
FHA loans come in 15- or 30-year fixed rate terms for qualified applicants.
| Term | Rate | APR |
|---|
| 30-year fixed | 3.750% | 4.808% |
|---|---|---|
| 15-year fixed | 3.750% | 4.822% |
VA Loan
The VA Loan is a home-mortgage option available to United States Veterans, Service Members and not remarried spouses. VA Loans are issued by qualified lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).
The Good
- No Down Payment
- Easy Qualifications
- Government guarantee
- No mortgage insurance
- No prepayment penalty
- No Property Type Restrictions
The Challenges
- Closing costs
- Lender loan limits
- Funding fees
VA Loan Rates
A VA loan interest rate is influenced by a variety of factors.
| Term | Rate | APR |
|---|
| 30-year fixed | 3.250% | 3.498% |
|---|---|---|
| 15-year fixed | 2.990% | 3.438% |
Conventional Loan
Rates for 30-year fixed conventional loans have remained below 4.5% for some time, and rates are not expected to rise above that level in the near future. Still, the lowest rates are available to those who are ready to lock in when rates drop.
The Good
- Low to no down payment
- Can use 100% gifted funds
- Multiple term limits
- Quicker loan process
- No limitations on loan amount
The Challenges
- Higher then average down payment
- Closing costs/fees cant be rolled into the mortgage payments
Conventional Rates
Many borrowers are surprised to learn that you can qualify for a conventional loan with as little as 3% down.
| Term | Rate | APR |
|---|
| 30-year fixed | 3.499% | 3.712% |
|---|---|---|
| 20-year fixed | 3.750% | 3.917% |
| 15-year fixed | 3.999% | 4.137% |
USDA Loan
A USDA loan is a mortgage that offers considerable benefits for those wishing to purchase a home in an eligible rural area. USDA home loans are issued through private lenders and are guaranteed by the United States Department of Agriculture (USDA).
The Good
The Challenges
USDA Rates
Under the USDA Rural Development direct home loan program, the interest rate averages 4.25%.
| Term | Rate | APR |
|---|
| 30-year fixed | 4.125% | 4.488% |
|---|---|---|
| 20-year fixed | 4.250% | 4.560% |
| 15-year fixed | 4.375% | 4.699% |
Streamline Refinancing
All you have to do is show that you’ve made at least six payments on your current loan; that your loan has been paid on-time for the last 90 days; and, that there’s an actual benefit in your refinance, and you can expect to be approved.
The Good
The Challenges
Streamline Rates
An FHA Streamline is a refinance option for homeowners with existing FHA mortgages.
| Term | Rate | APR |
|---|
| 30-year fixed | 3.375% | 4.796% |
|---|---|---|
| 15-year fixed | 3.375% | 4.619% |
Refinance Cash Out
One way forward is to consolidate all those expensive loans through a cash-out refinance. You’ll be free of all those payments on credit cards, personal loans and perhaps even auto loans. You can then use all that extra money to pay down your mortgage faster.
The Good
The Challenges
Cash Out Rates
A cash-out refinance can make sense if you can get a good interest rate on the new loan and have a sound use for the money.
| Term | Rate | APR |
|---|
| Conventional | 3.999% | 4.192% |
|---|---|---|
| VA 30-year | 3.250% | 3.783% |
| FHA 30-year | 3.375% | 4.415% |
Home Equity Line of Credit(HELOC)
A home equity line of credit, also known as a HELOC, is a line of credit secured by your home that gives you a revolving credit line to use for large expenses or to consolidate higher-interest rate debt on other loans 1 such as credit cards.
The Good
The Challenges
Heloc Rates
A cash-out refinance can make sense if you can get a good interest rate on the new loan and have a sound use for the money.
| Term | Rate | APR |
|---|
| HELOC | 3.499% | 5.565% |
|---|
Reverse Mortgage
Reverse mortgage is a special type of home loan only for homeowners who are 62 and older. A reverse mortgage loan allows homeowners to borrow money using their home as security for the loan, just like a traditional mortgage. … Interest and fees are added to the loan balance each month and the balance grows.
The Good
The Challenges
Reverse Rates
Reverse Mortgages can do a lot of good when taken by the right people for the right reasons.
| Term | Rate | APR |
|---|
| Reverse Mortgage | 3.88% | 4.58% |
|---|
