LIVE RATES

30yr Fixed6.30%+0.070%|

15yr Fixed5.64%+0.060%|

FHA 30yr6.31%-0.035%|

VA 30yr5.90%-0.021%|

Jumbo 30yr6.43%-0.042%|

5/1 ARM6.00%-0.020%|

30yr Fixed6.30%+0.070%|

15yr Fixed5.64%+0.060%|

FHA 30yr6.31%-0.035%|

VA 30yr5.90%-0.021%|

Jumbo 30yr6.43%-0.042%|

5/1 ARM6.00%-0.020%|

30yr Fixed6.30%+0.070%|

15yr Fixed5.64%+0.060%|

FHA 30yr6.31%-0.035%|

VA 30yr5.90%-0.021%|

Jumbo 30yr6.43%-0.042%|

5/1 ARM6.00%-0.020%|

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APR varies based on loan type, credit score, and terms. Representative APRs shown in rate table below. Rates are not an offer to lend.

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Market Snapshot — Not Personalized

6.30%

30yr Fixed Conventional

Rates shown are based on market averages. Your actual rate depends on credit, property, and loan scenario.

Source: Freddie Mac / FRED

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Today's rates

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Loan Type	Rate	APR	Points
Conventional 30yr FixediThe most popular loan type. Fixed rate for the full 30-year term — your payment never changes. Requires 3–20% down depending on the program.	6.30%	6.45%	0.669%
FHA 30yr FixediBacked by the Federal Housing Administration. Down payment as low as 3.5% with a 580+ credit score. Includes mortgage insurance (MIP).	6.31%	6.46%	0.618%
VA 30yr FixediExclusive benefit for eligible veterans, active-duty service members, and surviving spouses. No down payment required, no private mortgage insurance.	5.90%	6.05%	0.638%
Jumbo 30yr FixediFor loan amounts above the conforming limit ($766,550 in most counties). Competitive rates for high-value properties. Typically requires 10–20% down.	6.43%	6.58%	0.750%
5/1 ARMiRate is fixed for the first 5 years, then adjusts annually based on market index. Best for buyers who plan to sell or refinance within 5 years.	6.00%	6.15%	0.500%
7/1 ARMiRate is fixed for the first 7 years, then adjusts annually. A good middle ground — lower initial rate than a 30yr fixed with more stability than a 5/1 ARM.	--	--	0.525%
10/1 ARMiRate is fixed for the first 10 years, then adjusts annually. Offers the lowest initial rate among ARM options while providing a full decade of payment stability.	--	--	0.550%

Rates shown assume a 760+ credit score, 80% LTV, single-family primary residence, purchase transaction. Rates are for informational purposes only, subject to change without notice, and are not an offer to lend. APR includes estimated fees and points. Contact a Turn Times Loan Officer for your personalized rate.

ARM rates subject to 5/2/5 rate caps (initial adjustment cap / periodic cap / lifetime cap). Maximum rate increase over the life of the loan is 5% above the initial rate. After the fixed period, rate adjusts annually based on the SOFR index plus a margin.

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