TODAY'S MORTGAGE RATES

Compare Real-Time Rates Across 242+ Top Lenders Nationwide.

Loan Factory provides wholesale interest rates directly to home buyers and homeowners with zero hidden fees, complete transparency, and cutting-edge rate comparison tools.

242+ Lenders

Real-time direct pricing

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Conventional Loans

Rates Updated: Oct 19, 2026 - 05:24 PM

Competitive rates for primary, second home, and investment properties.

Loan Program	Rate	APR	Monthly Payment
Primary$375K loan · $500K home · 30-Yr Fixed · Purchase · 759+ FICO · ZIP 95111	7.125%	7.131%	$2,526

FHA Loans

Rates Updated: Oct 19, 2026 - 05:24 PM

Government-insured loans with flexible down payment options.

Loan Program	Rate	APR	Monthly Payment
FHA$375K loan · $500K home · 30-Yr Fixed · Purchase · 759+ FICO · ZIP 95111	6.625%	7.216%	$2,401

VA Loans

Rates Updated: Oct 19, 2026 - 05:24 PM

Exclusive home loan benefits for eligible veterans, active duty, and surviving spouses.

Loan Program	Rate	APR	Monthly Payment
VA$375K loan · $500K home · 30-Yr Fixed · Purchase · 759+ FICO · ZIP 95111	6.625%	6.807%	$2,401

Non-QM Loans

Rates Updated: Oct 19, 2026 - 05:24 PM

Flexible solutions for unique financial situations.

Loan Program	Rate	APR	Monthly Payment	Down Payment
Bank StatementsLogan Finance$300K loan · $400K home · 30-Yr Fixed · Purchase · 739+ FICO · ZIP 95111	7.624%	7.643%	$2,123	25%
DSCR InvestmentLogan Finance$300K loan · $400K home · 30-Yr Fixed · Purchase · 739+ FICO · ZIP 95111	7.624%	7.639%	$2,123	25%
Foreign NationalEMET Mortgage$300K loan · $400K home · 30-Yr Fixed · Purchase · 739+ FICO · ZIP 95111	7.999%	8.039%	$2,201	25%

Rates shown are for informational purposes only and may not be available for all borrowers. Actual rates may vary based on credit score, property type, loan amount, and other factors.

Loan Program Annotations & Eligibility Guide

Program	Current Best For	Key Requirements
Conventional Loans	Borrowers with good credit and stable income Purchasing primary residences, second homes, or investment properties Eligible borrowers utilizing low-down-payment conventional programs	As low as 3% down payment for eligible borrowers Credit score and underwriting requirements vary by program / AUS PMI generally applies when LTV is above 80% Fannie Mae / Freddie Mac no longer require a minimum FICO of 620
FHA Loans	First-time home buyers Borrowers with lower credit scores Borrowers recovering from past credit or financial setbacks	3.5% down payment with FICO 580+ (10% down may be available for FICO 500–579) Upfront and annual mortgage insurance apply Primary residence only for purchase Refinance FHA streamline allowed for investment or second homes
VA Loans	Active-duty service members U.S. military veterans National Guard and Reserve members Eligible surviving spouses	0% down payment required ($0 down payment) No monthly mortgage insurance (PMI) VA IRRRL can do primary, investment, or second home
USDA LoansCheck USDA Property Eligibility Map→	Low-to-moderate-income buyers Purchasing homes in eligible rural or suburban geographical regions	0% down payment may be available ($0 down) Property must be in an eligible USDA rural/suburban area Household income must meet USDA regional limits Primary residence required Credit requirements vary by lender / GUS (lowest FICO is 550; NOCC is not allowed)
Jumbo LoansView Jumbo Mortgage Rates & Limits→	Buyers in high-cost real estate markets Borrowers purchasing high-value luxury homes exceeding conforming limits	Loan amount exceeds the applicable conforming loan limit ($766,550+ in most areas) Typical requirements may include higher credit scores, larger down payments, lower DTI, and additional reserves Exact requirements vary by lender and loan amount DTI could be permitted up to 50%
HELOC (Home Equity Line of Credit)	Homeowners needing flexible cash access rather than a lump sum Home upgrades, renovations, or major repairs Debt consolidation at lower interest rates Tuition payments or emergency cash reserves	Min FICO 600 with CLTV 70% Max CLTV up to 95% with FICO 640+
No Doc Loans	Homeowners or real estate investors with complex finances Borrowers who cannot qualify under traditional tax return guidelines	Min FICO 620 0x30 over the past 12 months for mortgage payment history 6–9 months reserves depending on credit score and LTV
Investor (DSCR) Loans	Real estate investors purchasing or refinancing rental properties Long-term residential rental properties Short-term rentals (Airbnb / VRBO) where permitted	DSCR < 1 or No Ratio options available (programs generally cap leverage at 65% to 75% LTV and require min FICO score) Min FICO 620 Need 3 tradelines in last 12 months or 2 tradelines in last 24 months LTV from 80%–85% for purchase and 75% for cash-out refinance
12-Month Bank Statement Loans	Self-employed business owners and entrepreneurs Freelancers and independent contractors Borrowers with significant tax write-offs and deductions	12 consecutive months of personal or business bank statements 1 year history must be in exception Qualifies on bank deposit cash flow rather than tax returns
Profit & Loss (P&L) Loans	Business owners with strong business revenue/income Borrowers whose tax filings reflect substantial deductions	Min FICO 600 Minimum self-employment history of at least 1 year P&L statement covering full calendar year and YTD (prepared by CPA, EA, CTEC, or borrower) Letter from tax preparer confirming business name, start date, active standing with the state, borrower's ownership %, and review/preparation of borrower's two most recent filings
1099 Mortgage Loans	1099 independent contractors and freelancers Gig economy workers with 1–2 years of 1099 earnings history	Min FICO 640 One of the following supporting documents to verify contractor income is current and ongoing: WVOE (Form 1005) — the most common option The borrower's most recent paycheck A Year-to-Date (YTD) bank statement A YTD paystub 3 to 12 months of bank statements showing 1099 deposits
WVOE Loans (Written Verification of Employment)	W-2 salaried or hourly wage employees Borrowers seeking a simplified income-documentation process without submitting pay stubs or tax returns	Min FICO 620 Must not be employed by family members Written Verification of Employment (Form 1005) completed by employer
Foreign National Loans	International real estate investors Foreign buyers seeking U.S. property investments without U.S. credit or SSN	Strictly to second home or investment property only Typically capped at 75% LTV 3–6 months asset reserves required
Asset Depletion / Asset Utilization Loans	Retirees with substantial accumulated assets High-net-worth individuals Investors with substantial liquid wealth but low taxable income	Asset Seasoning: Standard seasoning timeframe for assets is 6 months Some lenders allow a shorter seasoning window of 2 months or require up to 12 months Converts verifiable liquid assets into qualifying monthly income without employment requirements

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