Conventional 15-year
5.750%
Rate
5.882%
APR
0 points
Today's numbers
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Today’s advertised rates
Examples for a well-qualified borrower on the scenario below.
Conventional, FHA, and VA at zero points on this scenario. A lender credit, when shown, is toward closing costs.
Purchase · owner-occupied primary · Sudbury, MA · 760+ FICO · $400,000 loan · 80% LTV · 30-day lock. GenNext.Mortgage® NMLS 2326098.
FHA 30-year
6.250%
Rate
6.842%
APR
0 points
Conventional 30-year
6.625%
Rate
6.712%
APR
0 points
VA 30-year
6.375%
Rate
6.560%
APR
0 points$1,500 lender credit
Adjustable-rate examples
Fixed for 5, 7, or 10 years, then the rate and payment can increase.
5/1 ARM
6.750%
Rate
4.958%
APR
0.375 points
Fixed for 5 years, then the rate and payment can increase.
7/1 ARM
6.750%
Rate
5.312%
APR
0.375 points
Fixed for 7 years, then the rate and payment can increase.
10/1 ARM
6.490%
Rate
5.692%
APR
1.125 points
Fixed for 10 years, then the rate and payment can increase.
As of September 11, 2026 at 12:20 AM EDT. Desk refreshes these examples at 6am, 9am, 12pm, 3pm, 6pm, and 9pm Eastern. Next update September 29, 2026 at 3:00 PM EDT. Examples — not a lock, not a Loan Estimate, not available to every applicant. Taxes, insurance, and HOA are not included. Rate & APR disclosure · Full disclosures.
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