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Rate Quote

Last updated: Oct 14, 2024 12:27 PM (CST)

Purchase Refinance
Loan Amount:

Property Value:

Down payment:

Loan-to-Value:

Occupancy:
Owner Occupied
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Owner OccupiedSecond HomeInvestment
ZIP Code:

FICO Credit Score:
760 - 779 (Very Good)
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800 or higher (Exceptional)780 - 799 (Very Good)760 - 779 (Very Good)740 - 759 (Very Good)720 - 739 (Good)700 - 719 (Good)680 - 699 (Good)660 - 679 (Good)640 - 659 (Fair)620 - 639 (Fair)600 - 619 (Fair)580 - 599 (Fair)560 - 579 (Poor)540 - 559 (Poor)500 - 539 (Poor)
Loan Type:
Conventional
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ConventionalJumboFHAFHA StreamlineVAVA Streamline Refinance (VA IRRRL)
Upfront MIP Fee:
Financed
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FinancedNot Financed
$ (Upfront MIP Fee = Loan Amount x 1.75%)
VA Service Type:
Active Duty Service Members
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Active Duty Service MembersVeteransReservists & National Guard MembersRetired MilitarySurviving Spouse (DIC recipient)
VA Loan Use Type:
First-time Use
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First-time UseSubsequent Use
VA Disability Status:
Service-Connected Disability (>=10%)
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Service-Connected Disability (>=10%)Receiving VA Disability CompensationSurviving Spouse (DIC recipient)Purple Heart Recipient (Active Duty)N/A
VA Funding:
Financed
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FinancedNot Financed
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Property Type:
Single Family Residence
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Single Family ResidenceCondominium - AttachedCondominium - DetachedTownhouse/PUDManuf HousingDuplexTriplexFourplex
Number Of Borrowers:
1
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12345
If yes, what is the remaining balance?

CLTV:

Commit Period:
30 days
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15 days30 days
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First-time homebuyer: Income: Rates updated on
Featured
30-Year Fixed
20-Year Fixed
15-Year Fixed
Term
Interest Rate
Lender Points/
Credits Closing Costs icon Lender points are optional fees you can pay upfront to lower your interest rate, which can save you money over time. If you see a positive number, it means you’ll pay extra at closing to get a lower rate. Lender credits, on the other hand, help reduce your upfront costs but may slightly increase your interest rate. If you see a negative number, it means the lender is covering part of your closing costs for you. These are the fees you pay when finalizing your loan, which may include lender fees, appraisal costs, title insurance, and escrow fees. If you see a negative total, it means the lender is giving you a credit to cover these costs, so you won’t have to pay them out of pocket. This credit can also help with prepaid expenses like interest or setting up your escrow account.
Monthly MI icon Loan-To-Value ratio exceeds 80%, you are required to purchase Mortgage Insurance.
Mortgage Payment
(P+I) (P+I+MI) icon Monthly payment includes principal and interest. Monthly payment includes principal, interest and mortgage insurance (MI).
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Important Disclosures:

  • The interest rates and monthly payments shown in our pricing engine are provided for informational purposes only and do not represent a formal loan approval or a legal commitment to lend. Mortgage rates fluctuate daily due to market conditions and are subject to change without notice. The quotes shown reflect estimates based on a standard 30-day rate lock from our wholesale lending partners. Your actual interest rate, monthly payment, and final loan terms may vary depending on your specific financial profile, credit score, property details, and final underwriting approval.

  • By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

  • Please note that quoted monthly payments cover principal and interest only; they do not include property taxes, homeowners insurance, or mortgage insurance, which will increase your actual monthly payment obligation. Estimated fees and third-party charges may vary based on final contract terms, property specifics, and local requirements, and transfer taxes are not included in this quote. Any estimated lender credits are subject to program restrictions and cannot exceed your total actual closing costs.

  • Because every financial situation is unique, we encourage you to Reach out to one of our Loan Officers to get a personalized quote built around your goals. You can also view our full Mortgage Disclosures for additional details.

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Current Loan Type

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VA FUNDING FEE RATES

Loan Type
Purchase
Purchase
Purchase
Cash-Out Refinance
Down Payment
0%
5% or more
10% or more
N/A
First-time Use
2.15%
1.5%
1.25%
2.15%
Subsequent Use
3.3%
1.5%
1.25%
3.3%
VA funding Fee = Loan Amount x Applicable Funding Fee Percentage
VA funding Fee = x
VA funding Fee =
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VA IRRRL FUNDING FEE RATES

Loan Type
VA Streamline Refinance (VA IRRRL)
Down Payment
N/A
First-time Use
0.5%
Subsequent Use
0.5%
VA funding Fee = Loan Amount x Applicable Funding Fee Percentage
VA funding Fee = x
VA funding Fee =
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PROPOSED Housing EXPENSE

Interest rate: / APR:
Principal + Interest
$
Hazard Insurance
$
Real Estate Taxes
$
Mortgage Insurance
$
Total Monthly Payment
$
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RATE ALERT SETUP

arrow You’ll receive a notification once your target rate is reached. Based on the following assumptions:
  • Loan Amount:
  • Property Value:
  • Loan Term:
  • Credit Score (FICO):
  • Property Type:
Target interest rate
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Current Points/Credits:
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WeeklyMonthlyOnce target rate hits
Our system checks the rate daily and will alert you once your target rate is reached.
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Email address
Phone number
Disclaimer: By submitting this form, you consent to Lock It Mortgage, our service providers, and affiliates contacting you via phone call, email, and text message (SMS/MMS) to assist with your request and improve your experience. Consent is not a condition for using Lock It Mortgage’s services. Message and data rates may apply. Messaging frequency may vary. Reply STOP to opt-out; Reply HELP for support. Visit Privacy Policy and Terms Of Use for details.

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For Low-to-Moderate Income borrowers purchasing or refinancing a primary home

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First-time homebuyers are those purchasing a home for the first time or who haven't owned property in the past three years.

Total number of financed properties

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Only 1 financed property 2 financed properties More than 2 financed properties

Including the subject property.

What is your total pre-tax income?

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Including income of all borrowers.