30-year fixed
Rate
6.625%
APR
6.812%
P&I / month
$3,278
The reference line. One rate, one payment, three hundred and sixty times.
The tradeYou pay the most total interest of any rung here, and you buy the most certainty.
How this program worksSee the whole instrument, not just the rate.
Six terms side by side, each with the payment it makes and the lifetime interest it costs.
Balance curve30 yr vs 15 yr
30 yr15 yr
Principal and interestIllustrative
$3,278/mo
- Rung
- 30-year fixed
- Rate / APR
- 6.625% / 6.812%
- 15 yr costs
- +$1,008/mo
Sample scenario: $640,000 price, 20% down, $512,000 loan, excellent credit. Illustrative sample figures for a template demonstration. Not a rate quote, not an offer to lend, and not live market data.
20-year fixed
Rate
6.375%
APR
6.588%
P&I / month
$3,780
The rung most people never price. Ten years shorter, payment only modestly higher.
The tradeA firmer monthly commitment in exchange for a materially smaller interest total.
How this program works15-year fixed
Rate
5.875%
APR
6.104%
P&I / month
$4,286
The steepest amortisation on the ladder. Principal moves from month one.
The tradeThe highest payment and by far the lowest lifetime interest.
How this program works7/6 adjustable rate
Rate
6.125%
APR
6.905%
P&I / month
$3,111
Fixed for the first seven years, then it moves with an index every six months.
The tradeA lower opening rate, priced against the risk you still hold it in year eight.
How this program worksVA 30-year fixed
Rate
5.990%
APR
6.281%
P&I / month
$3,066
For eligible service members and veterans. No down payment required on most files.
The tradeA funding fee replaces mortgage insurance, and eligibility has to be documented.
How this program worksJumbo 30-year fixed
Rate
6.750%
APR
6.878%
P&I / month
$3,321
Above the conforming limit, so it is priced and underwritten on its own terms.
The tradeDeeper reserve and documentation requirements, and pricing that moves with the file.
How this program worksThe month the line crosses.
Early payments are mostly interest. The crossing point is where more of your money starts going to the house than to the loan. On the 30 year rung it takes 19 yr 7 mo. On the 15 year rung it takes 3 yr 3 mo, because the shorter term amortises far more steeply from the start.
Crossing point
19 yr 7 mo
19 yr 7 mo
30 year crossing
19 yr 7 mo
At 6.625%, principal overtakes interest here.
15 year crossing
3 yr 3 mo
At 5.875% over a shorter term, principal takes the lead far sooner.
Cost of the extra 15 years
$408,600
Difference in total money paid across the two terms.
Run your own numbers
Open the calculator
Change price, down payment, term and rate, and watch the split move.
Sample scenario: $640,000 price, 20% down, $512,000 loan, excellent credit. Illustrative sample figures for a template demonstration. Not a rate quote, not an offer to lend, and not live market data.
Six stations, start to keys.
Each one ends with something in your hand, not a status change in a portal.
A lending panel, made visible.
Borrower, lender, underwriter, appraiser, title, investor. Six parties decide your loan. Most sites show you one of them. We show you the whole panel and where your file sits in it.
Licensed in
10 states
California, Arizona, Nevada, Oregon, Washington, Colorado, Utah, Idaho, Texas, Florida.
The rule we work to
If a rung fits you better and pays us less, you hear about that rung first.
What we hand you
- A written figure, not a range
- APR beside every rate, always
- The amortisation schedule, on request, same day
- A closing statement reconciled to the estimate
The people
Meet the 4 loan officers who work these files.
Each one publishes the programs they run most, so you can pick the desk before you pick the loan.
Meet the teamClient notes
What people say once the file is closed.
Sample notes written for this template demonstration. Not real customer reviews, and no ratings or review counts are published on this site.
They showed me the 20 year rung nobody else had priced. It cost me ninety dollars a month and saved me a great deal over the term.
I came in certain I wanted the lowest payment. I left with the term that actually fit, and I understood exactly why.
The rate lock conversation was the useful one. They put the cost of waiting on paper instead of telling me to decide fast.
Every open condition was visible to me from day one. I never once had to ring in and ask where my file was.
My certificate of eligibility took a week to sort out and they handled all of it. The funding fee was explained before I asked.
Two lenders quoted me a rate. Only one showed me the APR next to it and explained what sat in the gap.
Self employed with three income streams. They asked for the right documents once, in one list, and then left me alone.
The final statement matched the estimate line for line. That has genuinely never happened to me before.
They told me the arithmetic did not support refinancing yet and to call back in the spring. I called back in the spring.
I asked for the amortisation schedule and got it the same hour, with the crossing point already marked.
Take one reading before you talk to anyone.
Move the two controls. The payment re-measures as you go. When the number looks like your life, start the real one.
- No credit pull to get a first figure
- Every rung you qualify for, priced side by side
- A named loan officer, not a queue
Reference notes.
The whole learning centerHow to Get Preapproved for a Mortgage
The fastest, cleanest path to a written pre-approval letter you can use to make offers.
Read itUnderstanding Cash to Close
What "cash to close" actually means and how to make sure you have it ready on closing day.
Read itMortgage Rate Locks, Explained
When to lock, how long locks last, and what float-down options really cost.
Read itShould I Buy or Rent?
A clear framework for deciding when buying makes more sense than continuing to rent.
Read it