08/20/2026
Rates get all the attention. The monthly difference? Not always as much. Before you spend months waiting for a quarter-point drop, see what that difference actually looks like for your budget.
*Annual Percentage Rate (APR) is current as of 8/6/26. The interest rate and APR are subject to change daily without notice, and are based on a 30 year fixed conventional loan program with 20% down payment, minimum FICO score of 727, and no downpayment assistance on a single-family, primary residence. Information on this piece is strictly for example purposes only. Qualification is required. Rates may vary and may not be indicative of current market rates, contact a loan officer for a true rate quote. Additional costs and fees may apply. Does not include taxes and insurance; actual payment may be higher. Reach out to a loan officer for a true rate quote.