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True monthly cost: principal & interest plus taxes, insurance, HOA, and PMI if your down payment is under 20%.
Uses the classic 28/36 rule lenders apply: housing costs ≤ 28% of gross income, all debts ≤ 36%.
Refinancing only pays if you keep the loan past the break-even point. See yours.
Lender products change without notice — confirm current rates, fees, and eligibility on the provider's site before applying.
Largest US retail mortgage lender. Fully digital application with fast pre-approval letters.
Check ratesCompetitive for strong-credit borrowers. Known for member perks like unemployment protection.
Check ratesOnline-first lender that advertises no lender fees. Instant pre-approval letters on the site.
Check ratesLarge retail lender pairing a digital application with local loan officers in most states.
Check ratesNot a lender — a marketplace. One form gets you competing offers from multiple lenders.
Check ratesCredit unions frequently beat big-bank mortgage rates for members. Check one near you before you commit.
Find a credit unionLenders use the 28/36 rule: keep housing costs at or under 28% of gross monthly income, and all monthly debts at or under 36%. Our affordability calculator above runs both caps. Remember taxes, insurance, and HOA count toward the 28% — not just principal and interest.
Conventional loans start at 3% down for qualified buyers; FHA loans allow 3.5%. But under 20% down usually means private mortgage insurance (PMI), roughly 0.5% of the loan per year, until you reach 20% equity. Bigger down payments also get you better rates.
Yes. A pre-approval letter tells sellers you're serious and locks in what you can borrow. It's based on verified income, credit, and assets — stronger than a pre-qualification, which is just an estimate. Most pre-approvals last 60–90 days.
A 15-year loan has lower rates and far less total interest, but much higher monthly payments. A 30-year costs more interest overall but keeps payments flexible — you can always pay extra toward principal. Choose based on the payment you can sustain, not just the rate.
Roughly: when the new rate is at least 0.75–1 point below your current rate AND you'll stay in the home past the break-even point (closing costs divided by monthly savings). Run the break-even calculator above — resetting to a fresh 30-year term can add years of interest even at a lower rate.
Legitimate online lenders are licensed and regulated like banks — check the NMLS Consumer Access site to verify any lender's license. Compare the Loan Estimate form line by line: rate, APR, origination fees, and points matter more than the headline rate.
No. These calculators and comparisons are educational tools to help you research — not personalized recommendations. Mortgage decisions involve your credit, taxes, and local market; talk to a qualified professional about your situation.
A new state law says qualifying modular and manufactured homes must be allowed wherever detached single-family houses are — and Florida lawmakers passed it unanimously.
