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Current Rates

Current rates are listed below. Want to be notified of changes to this information when it happens? Just provide your email address! We will never share your contact information, and unsubscribe options are included with every email.

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Single-Family Rates

Rates valid from 11/9/2018 to 11/9/2018

Loan Programs 30 Year 15 Year
Closing Cost Assistance Program 6.000 N/A
Rural Owner Occupied1 4.875 4.500
Rural Non-Owner Occupied1 5.125 4.750
Tax-Exempt First-Time Homebuyer & Veterans Tax-Exempt2 4.750 4.375
Veterans Mortgage Program2 4.750 4.500
Taxable 5.125 4.625
Nonconforming I 5.375 4.875
Nonconforming II 5.125 4.625
Taxable First-Time Homebuyer 5.000 4.500


Multifamily Rates

For the week of November 5, 2018

Multifamily Programs Loan Amount 30 Year 15 Year
Taxable Loan Over $1,000,000 6.750 6.375
Taxable Loan $500,001 to 1,000,000 6.875 6.500
Taxable Loan Up to $500,000 7.000 6.625
Federally Insured Over $1,000,000 6.250 5.875
Federally Insured $500,000 to 1,000,000 6.375 6.000
Federally Insured Up to $500,000 6.500 6.125
Rural Loan3 Up to $250,000 6.000 5.625
Loan Amount 10 Year 7 Year
Balloon Loan4 Over $1,000,000 6.375 6.250
Balloon Loan4 $500,000 to 1,000,000 6.500 6.375
Balloon Loan4 Up to $500,000 6.625 6.500

 

Additional rate reductions are available for low- to moderate- income borrowers and for properties meeting energy efficiency criteria.

It is the Sellers responsibility to apply the appropriate interest rate based on loan amount.

1 Rural Owner Occupied and Rural Non-Owner Occupied Loan Programs - Interest Rates are applied to the first $250,000 only. The balance is at the Rural Rate plus 1%.

2 For a limited time, new purchases under the Tax-Exempt First-Time Homebuyer, Veterans Tax-Exempt and Veterans Mortgage Programs will receive these lower rates. Streamline Refinances under any of these programs will receive rate +0.25%.

3 Rural interest rate applies only to the initial $250,000 of the mortgage loan. Remaining loan balances are at the Taxable interest rate.

4 Balloon programs feature fixed terms of 7 or 10 years with 30-year amortizations.

30-Day Rates History

We send out an email message every business day with that day’s rates. If you are interested to see how rates have changed over time, the last 30 days are listed in the table below.

Compare Date with Date


Period Term CCAP Rural Rural
Non-Own
TEP and
VTEP
VMP Taxable Non-
Conform I
Non-
Conform II
Taxable
First
11/9/2018 30 Year 6.000 4.875 5.125 4.750 4.750 5.125 5.375 5.125 5.000
15 Year N/A 4.500 4.750 4.375 4.500 4.625 4.875 4.625 4.500
11/8/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.125 5.375 5.125 5.000
15 Year N/A 4.500 4.750 4.250 4.375 4.625 4.875 4.625 4.500
11/7/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.500 4.750 4.250 4.375 4.625 4.875 4.625 4.500
11/6/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.125 5.375 5.125 5.000
15 Year N/A 4.500 4.750 4.250 4.375 4.625 4.875 4.625 4.500
11/5/2018 30 Year 6.000 4.875 5.125 4.625 4.625 5.125 5.375 5.125 5.000
15 Year N/A 4.500 4.750 4.250 4.375 4.625 4.875 4.625 4.500
11/2/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
11/1/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/31/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.250 4.250 4.500 4.750 4.500 4.375
10/30/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/29/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/26/2018 30 Year 6.000 4.625 4.875 4.500 4.500 4.875 5.125 4.875 4.750
15 Year N/A 4.250 4.500 4.125 4.125 4.375 4.625 4.375 4.250
10/25/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/24/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/23/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/22/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/19/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/17/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/16/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/15/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/12/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/11/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.250 4.250 4.500 4.750 4.500 4.375
10/10/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.250 4.250 4.500 4.750 4.500 4.375
10/9/2018 30 Year 6.000 4.750 5.000 4.625 4.625 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.250 4.250 4.500 4.750 4.500 4.375
10/8/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/5/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/4/2018 30 Year 6.000 4.750 5.000 4.500 4.500 5.000 5.250 5.000 4.875
15 Year N/A 4.375 4.625 4.125 4.250 4.500 4.750 4.500 4.375
10/3/2018 30 Year 5.750 4.625 4.875 4.375 4.375 4.875 5.125 4.875 4.750
15 Year N/A 4.250 4.500 4.000 4.125 4.375 4.625 4.375 4.250
10/2/2018 30 Year 5.750 4.625 4.875 4.375 4.375 4.875 5.125 4.875 4.750
15 Year N/A 4.250 4.500 4.000 4.125 4.375 4.625 4.375 4.250
10/1/2018 30 Year 5.750 4.625 4.875 4.375 4.375 4.875 5.125 4.875 4.750
15 Year N/A 4.250 4.500 4.000 4.125 4.375 4.625 4.375 4.250