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Rates shown are for well-qualified borrowers
| Loan Type | Rate | APR | Change | Points | |
|---|---|---|---|---|---|
30-Year Fixed Purchase & Refinance | 6.875% | 6.932% | 0.125% | 0 | Get Quote → |
15-Year Fixed Purchase & Refinance | 6.125% | 6.201% | 0.000% | 0 | Get Quote → |
5/1 ARM Purchase & Refinance | 5.750% | 6.842% | 0.125% | 0 | Get Quote → |
FHA 30-Year Purchase & Refinance | 6.625% | 7.321% | 0.125% | 0 | Get Quote → |
VA 30-Year Purchase & Refinance | 6.375% | 6.592% | 0.000% | 0 | Get Quote → |
Jumbo 30-Year Purchase & Refinance | 7.125% | 7.189% | 0.250% | 0 | Get Quote → |
Rates based on $500,000 loan amount, 20% down payment, 740+ credit score, owner-occupied single family home in Bergen County, NJ. Your actual rate may vary.
Understanding the factors that influence your mortgage rate
740+ gets best rates
20% avoids PMI
Conventional vs. Government
Single-family preferred
Jumbo vs. Conforming
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How rates have changed over time
| Period | 30-Year Fixed | 15-Year Fixed | Trend |
|---|---|---|---|
| 1 Week Ago | 6.750% | 6.125% | Current |
| 1 Month Ago | 6.625% | 6.000% | Higher |
| 3 Months Ago | 7.125% | 6.500% | Better |
| 6 Months Ago | 7.500% | 6.875% | Better |
| 1 Year Ago | 7.875% | 7.125% | Better |
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Accurate payment calculations with September 2025 rates
Important Disclosure: The payment amounts shown are estimates for informational purposes only and are not an offer to lend. Actual payments will vary based on your specific situation and current rates. This calculator does not constitute a loan application, loan offer, or loan commitment. Final loan approval is subject to credit approval, verification of information provided, property appraisal, and other underwriting requirements. CMG Home Loans NMLS #1577754. Equal Housing Lender. Not all applicants will qualify.
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