1Rate 6.859% with an APR of 7.012% as of 12/6/2024 4:56 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,574. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Before you go
Benjamin Thompson
Direct Lending Loan Advisor NMLS ID: 314953
Let me provide you with professional service and guidance throughout the mortgage process.
With over 10 years of experience in the mortgage and home financing industry, I have helped secure 2,000+ mortgage loans for my clients who are looking to purchase a new home, or refinance an existing one. I pride myself in setting clients up for success by giving the details needed up front and setting proper expectations for their experience. Whether you are brand new to the process or have completed several mortgage transactions in the past, I am here to assist with any and all of your home financing needs in all 50 states.
Based out of the Midwest, more precisely the Des Moines, Iowa, area, I recently stepped into the role of fatherhood, so I spend most of my time with my wife and our son. When I get a chance, I love to play golf and enjoy watching all my favorite sports teams.
I look forward to working with you!
Mortgage Specialization
- Condominium Financing
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Pre-Qualifications
- Second Homes
- VA Government Loans
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.859% | 7.012% 1 |
| 15-Year Fixed | 5.894% | 6.136% 2 |
| FHA 30-Year Fixed | 5.409% | 6.282% 3 |
2Rate 5.894% with an APR of 6.136% as of 12/6/2024 4:56 PM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,012. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 5.409% with an APR of 6.282% as of 12/6/2024 4:56 PM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,373. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Direct Lending Loan Advisor NMLS ID: 314953
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So, how does getting a mortgage work?
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