5.625%
Purchase30-yr fixedAlliant Credit Union
“30 Year Fixed Rate: 5.625%”
Real Experiences
What rates are people actually getting? Unfiltered stories from homebuyers and refinancers.
Showing 182 results
5.375%
PurchaseVAAlliant Credit Union
“VA30 Year Fixed Rate: 5.375%”
6.625%
RefiVAAlliant Credit Union
“VA30 Year Fixed IRRRL Rate: 6.625%”
6.875%
Purchase30-yr fixed
“Got my house in August at 6.875, 136K left. 30 year.”
6%
PurchaseVAIndiana
“Just locked today 6% VA- no points 30-yr Indiana”
6.375%
Purchase30-yr fixedAlliant Credit Union
“30 Year Fixed Rate: 6.375%”
7%
Purchase30-yr fixedAlliant Credit Union
“30 Year Fixed Rate: 7.000%”
6.375%
Refi30-yr fixedAlliant Credit Union
“30 Year Fixed Rate: 6.375%”
5.875%
Refi20-yr fixedAlliant Credit Union
“20 Year Fixed Rate: 5.875%”
6.125%
Refi30-yr fixedAlliant Credit Union
“30 Year Fixed Rate: 6.125%”
5.5%
RefiARM 7/1Alliant Credit Union
“**7ARM** **Rate:** 5.5% **APR:** 5.944%”
6%
Purchase30-yr fixedAlliant Credit Union
“30 Year Fixed Rate: 6.000%”
6.25%
Refi30-yr fixedAlliant Credit Union
“30 Year Fixed Rate: 6.25%”
6%
Purchase30-yr fixedAlliant Credit Union
“30 Year Fixed Rate: 6.000%”
4.625%
PurchaseVA
“VA loan 4.625% on a new construction and only about 1900 to close”
5.49%
PurchaseVA
“Nope, found out with pretty solid certainty we were being taken advantage of. Spoke with 3 loan officers since making this post, one told me their closing costs are $1900 cheaper AND the rate they can lock in is 5.49%.”
5.5%
Refi15-yr fixedAlliant Credit Union
“15 Year Fixed Rate: 5.5%”
5.99%
Purchase
“I think you should definitely shop around to your local credit unions and see if they have more competitive rates. They are slower to raise and slower to drop (so I've been told) and we just locked in yesterday at 5.99% after earlier this week being quoted 6.5% due to the market.”
5.25%
Purchase
“What did you get? We locked in 5.25% two months ago.”
5.625%
PurchaseIA
“Locked mine in at 5.625, no points a couple weeks ago in IA”
5.875%
Purchase20-yr fixedAlliant Credit Union
“**20 Fixed** **Rate:** 5.875%”
6.125%
Purchase30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 6.125%”
5.875%
Purchase30-yr fixedAlliant Credit Union
“**30 Year Fixed - ($832,750)** **Rate:** 5.875%”
5.25%
Refi30-yr fixedRocket (and/or local lender)
“Just refinanced yesterday at 5.25 no points/cost, locked from Monday.”
6.375%
Purchase30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.389%”
5.625%
Refi30-yr fixed
“Was quoted 5.625% today on a 30yr similar scenario.”
5%
PurchaseFHA
“My first year is 3% interest rate, 4% the second year, and 5% for my forever rate.”
5.89%
RefiLos Angeles, CA
“Rates went up today, we had a 5.69% quote yesterday and did not lock, went up to a 5.89% today.”
5.375%
Refi15-yr fixedAlliant Credit Union
“**15 Year Fixed** **Rate:** 5.375%”
5.375%
Reficredit union
“I just went from 7.75 to 5.375 this month with rate adjustment with my CU. No brainer.”
5.625%
Refi
“We did too. $2k fees. Should be closing next week, rate originally was 6.875”
5.375%
RefiARM 5/1Alliant Credit Union
“**5ARM** **Rate:** 5.375%”
5.69%
Refi
“Rates went up today, we had a 5.69% quote yesterday and did not lock, went up to a 5.89% today.”
5.5%
Refi15-yr fixedAlliant Credit Union
“**15 Year Fixed** **Rate:** 5.5%”
5.625%
Refi30-yr fixedCA
“LA area as well, $750k loan, 20%+ equity, 750+ credit scores. Locked 5.625 today.”
6.375%
Refi30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 6.375%”
5.1%
Purchase
“Locked in a 5.1% this past Friday, its crazy how rates can shift”
5.25%
RefiVA
“Just curious is this a conventional loan. Cuz I just refi my va home loan was able to get 5.25 but my original home loan was set at 6.25”
5.625%
Purchase
“Holy 2 points for that rate? I'm closing this week and mine was 0.8 for 5.625%.”
5.875%
Purchase30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 5.875%”
5.875%
Refi30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 5.875%”
5.99%
Purchase30-yr fixed
“Damn yall are lucky. 5.99 first time homeowner on conventional loan, no points.”
5.625%
Purchase
“I just got locked in at 5.625 recently as well and was very pleased about it. We had got an offer accepted a few years ago (backed out due to foundation issues, right choice but was tough) and had a rate 7.0, so 5.625 was a nice surprise lol”
6.125%
Purchase30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 6.125%”
5.125%
PurchaseVAAlliant Credit Union
“**VA 30 Year Fixed** **Rate:** 5.125%”
5.375%
Refi20-yr fixedAlliant Credit Union
“**20 Year Fixed** **Rate:** 5.375%”
5.125%
Refi15-yr fixedAlliant Credit Union
“**15 Year Fixed** **Rate:** 5.125%”
5.875%
Refi30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 5.875%”
6%
Refi30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 6.000%”
5.25%
RefiVAAlliant Credit Union
“**30 Year Fixed (VA)** **Rate:** 5.25%”
6.125%
Refi30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 6.125%”
5.5%
RefiARM 7/1Alliant Credit Union
“**7ARM** **Rate:** 5.5%”
6%
Refi30-yr fixedAlliant Credit Union
“**30 Year Fixed** **Rate:** 6.000%”
6%
Refi30-yr fixedAlliant Credit Union
“**Conv 30 Year Fixed** **Rate:** 6.000%”
5.625%
RefiFHAAlliant Credit Union
“**FHA 30 Year Fixed** **Rate:** 5.625%”
4.6%
RefiKeyinlending.com
“We used Keyinlending.com and got our rate at 4.6%.”
4.75%
Refi30-yr fixed
“Is it advisable to accept 4.75% rate which will add about $23000 to my current loan.”
4.375%
Refi20-yr fixed
“I literally just signed %4.375 with zero points and $250 due at signing.”
4.75%
Refi
“shop around, i'm switching from 7% to 4.75% with 1.5 points.”
6.125%
RefiProvident
“Closed last Friday at 6.125 from 6.6 with a 390 dollar closing cost.”
5.625%
Refi
“I’m refinancing 6.35 now to 5.625, no points.”
6.25%
Refi
“I went from a 6.875 to 6.25 and am adding the extra $208 per month savings and applying it directly to principal.”
5.624%
Purchase
“Just closed today! First time homebuyer, 30-year conventional, 5.624% :)”
6.3%
Purchasenorthern Va
“Just closed friday second home SFH %6.3 no points, cash to close 500. Loan amount 300k northern Va. 800+ credit”
6.125%
Refi
“I would say try to refi with 0 closing costs. Ask your lender. I just did it from 6.65 to 6.125 while Rates were at 5.5ish.”
5.75%
Refi
“With the drop and 3k in points, we went from 7.25 (march last year) to 5.75, we’re celebrating”
5.75%
RefiAdvantage Lending
“We just refinanced from 7.125 down to 5.75 with no points.”
5.375%
Refi30-yr fixed
“can refi down to a 5.375% rate while adding about 12k in closing costs”
4.99%
Purchase15-yr fixedChasePhx
“I just closed in Phx on a 15 year 4.99% with .6 points with Chase.”
5.875%
Purchase30-yr fixed
“- 30fxd - 5.875% / 5.912 APR - 0 points - $1043 lender credit to reduce fees - $2189/mo payment”
6.25%
Purchase30-yr fixed
“- 30fxd - 6.25% / 6.309 APR - 0 points - **$2956 lender credit** to reduce fees - $1706/mo payment”
5.625%
PurchaseMontana
“In Montana. Just locked our rate in @ 5.625. 800+ credit score 10% down. Interest was 6% before the buy down.”
5.75%
Purchase15-yr fixed
“- 15fxd - 5.75% / 5.846 APR - 0 points - **$1945 lender credit** to reduce fees - $2300/mo payment”
5.875%
Refi
“I saved $450 because i took the opportunity went from 7.75% to a 5.875%”
5.25%
PurchaseVA
“Just closed last week. VA 5.25 30 fixed no buy down. Locked in in early Jan”
5.625%
PurchaseVAPhoenix
“Just closed last week. VA 5.25 30 fixed no buy down. Locked in in early Jan”
5.625%
PurchaseFHAPhoenix
“Closed Jan 29th in Phoenix. 5.625% FHA 30 year.”
5.625%
PurchaseTomo Mortgage
“I used Lending Tree to find mine, went with Tomo Mortgage at 5.625 last week”
5.875%
Refi
“Yeah it’s this. I just refinanced at 5.875. I could’ve gotten lower but I would’ve had to buy down, which I’m not willing to do.”
5.625%
Purchase30-yr fixed
“Credit score 800, 10% down, 30-year conventional. Initially quoted 5.99% but got another LE and first broker beat it. Locked at 5.625% and $3700 less in closing costs than original quote (0.1% difference in interest rate and APR).”
5.875%
Refi
“Bought in May 2024 at 7.375% and refinancing at 5.875% for a 1.5% reduction.”
6%
Purchase30-yr fixed
“- 30fxd - 6.000% / 6.031 APR - 0 points - $889 lender credit to reduce fees - $3118/mo payment”
7.625%
Purchase30-yr fixed
“- 30fxd - 7.625% / 7.675 APR - 0 points - $232 lender credit to reduce fees - $2491/mo payment”
5.75%
Purchase20-yr fixed
“- 20fxd - 5.75% / 5.79 APR - 0 points - $187 lender credit to reduce fees - $3651/mo payment”
4.875%
Refi15-yr fixed
“Singing monday on a new refi. Originally 30yr @7.875 going to a 15yr @4.875 No points.”
6%
Purchase30-yr fixed
“- 30fxd - 6.000% / 6.027 APR - 0 points - $4722/mo payment”
5.25%
Refi15-yr fixed
“- 15fxd - 5.25% / 5.30 APR - 0 points - $520 lender credit to reduce fees - $4180/mo payment”
5.875%
Refi30-yr fixedOptimum First Mortgage
“We purchased our home in late 2025 at 6.375% and just closed on a no-cost refinance at 5.875%.”
6%
Refi30-yr fixed
“- 30fxd - 6.00% / 6.031 APR - 0 points - $889 lender credit to reduce fees - $3118/mo payment”
5.625%
PurchaseFHAFairway Independent MortgagePhoenix
“Same rate as me. No closing costs (15k seller credit) aside from my down payment. Closed last Thursday in Phoenix.”
5.5%
PurchaseFHA
“- FHA30fxd - 5.5% / 6.374 APR - 0 points - $2230/mo payment (FHA PMI +$175)”
5.625%
Refi15-yr fixed
“- 15fxd - 5.625% / 5.830 APR - 0 points - $4 lender credit to reduce fees - $1071/mo payment”
6.125%
Purchase30-yr fixed
“- 30fxd - 6.125% / 6.154 APR - 0 points - $957 lender credit to reduce fees - $3342/mo payment”
6.5%
Refi30-yr fixed
“- 30fxd - 6.5% / 6.616 APR - 0 points - $67ender credit to reduce fees - $2169/mo payment”
5.25%
PurchaseVA
“- VA30fxd - 5.25% / 5.311 APR - 0 points - $2947/mo payment”
5.3%
Purchase30-yr FHA
“Locked in last week with new builder incentives 26k plus 5k with preferred lender. No closing costs 2/1 buy down 3.3, 4.3 and locked in at 5.3.”
5.625%
Refi30-yr fixed
“Congrats! I locked in the same yesterday. Refinancing with a 30-year fixed conventional loan at 5.625%.”
5.625%
Purchase30-yr fixed
“- 30fxd - 5.625% / 5.749 APR - 0 points - $3777/mo payment”
5.625%
Refi30-yr fixedAmerican federal mortgage
“We signed the documents and completed our first refinance yesterday! Went from a 7.125 30 year to a 5.625 30 year no points.”
6.125%
Purchase30-yr fixed
“- 30fxd - 6.125% / 6.424 APR - 0 points - $12338 lender credit to reduce fees - $4672/mo payment”
6.375%
Refi30-yr fixed
“- 30fxd - 6.375% / 6.394 APR - 0 points - $1376 lender credit to reduce fees - $5365/mo payment”
5.625%
Refi30-yr fixed
“Today I secured a 5.625% refinance rate lock for a 30-year fixed conventional loan with $0 points and $0 lender fees.”
5.75%
PurchaseARM 7/1
“- 7ARM - 5.75% / 6.071 APR - 0 points - $1520 lender credit to reduce fees - $5544/mo payment”
5.75%
PurchaseARM 7/1
“- 7ARM - 5.75% / 6.091 APR - 0 points - $640 lender credit to reduce fees - $2334/mo payment”
5.25%
Purchase15-yr fixed
“- 15fxd - 5.25% / 5.308 APR - 0 points - $680 lender credit to reduce fees - $3617/mo payment”
6%
Purchase30-yr fixed
“- 30fxd - 6.00% / 6.035 APR - 0 points - $1624 lender credit to reduce fees - $2698/mo payment”
6.625%
Purchase30-yr fixed
“- 30fxd - 6.625% / 6.640 APR - 0 points - $1520 lender credit to reduce fees - $6083/mo payment”
6%
PurchaseARM 10/1
“- 10ARM - 6.00% / 6.143 APR - 0 points - $1520 lender credit to reduce fees - $5696/mo payment”
5.75%
PurchaseVA
“- 30fxd - 5.75% / 5.952 APR - 0 points - $1823 lender credit to reduce fees - $5067/mo payment (APR includes funding fee, can't remove it at this stage)”
5.875%
Refi30-yr fixed
“- 30fxd - 5.875% / 5.987 APR - 0 points - $3744 /mo payment”
6%
PurchaseFHA
“- FHA30fxd - 6.000% / 6.882 APR - 0 points - $1048 lender credit to reduce fees - $4758 /mo payment”
6.625%
Purchase30-yr fixed
“- 30fxd - 6.625% / 7.632 APR - 0 points - $4994 /mo payment”
5.5%
Refi
“Yeah I’m going with a credit union to refinance and it’s 5.5% I have a lot of equity though.”
5.875%
Purchase30-yr fixed
“- 30fxd - 5.875% / 5.905 APR - 0 points - $15 lender credit to reduce fees - $2958/mo payment”
6.5%
Purchase
“- PHY30fxd - 6.5% - 0 points - $1352 lender credit to reduce fees - $5341/mo payment”
6.875%
Purchase30-yr fixed
“- 30fxd - 6.875% / 6.889 APR - 0 points - $1600 lender credit to reduce fees - $6569/mo payment”
6.5%
Purchase30-yr fixed
“- PHY30fxd - 6.5% / 6.528 APR - 0 points - $800 lender credit to reduce fees - $3160/mo payment”
6.5%
PurchaseVA
“- VA30fxd - 6.5% / 6.591 - 0 points - $6618 /mo payment”
6.375%
Purchase30-yr fixed
“- 30fxd - 6.375% - 0 points - $2088 lender credit to reduce fees - $7486/mo payment”
6%
Purchase30-yr fixed
“- 30fxd - 6.00% / 6.076 APR - 0 points - $1143 lender credit to reduce fees - $3033/mo payment”
5.25%
Refi15-yr fixed
“- 15fxd - 5.25% / 5.291 APR - 0 points - $2162/mo payment”
6%
Refi15-yr fixed
“- 15fxd - 6.00% - 0 points - $1228 lender credit to reduce fees - $5890 /mo payment”
6.125%
Refi30-yr fixed
“- 30fxd - 6.125% - 0 points - $242 lender credit to reduce fees - $6684/mo payment”
5.25%
PurchaseVA
“- VA30fxd - 5.25% - 0 points - $2256 /mo payment”
5.875%
Purchase30-yr fixed
“25% - 30fxd - 5.875% - 0 points - $3172 /mo payment”
6%
Refi30-yr fixed
“- 30fxd - 6.00% - 0 points - $1034 lender credit to reduce fees - $1948/mo payment (exclu PMI)”
5.75%
Refi30-yr fixed
“- 30fxd - 5.75% - 0 points - $1617 /mo payment”
5.25%
Refi15-yr fixed
“- 15fxd - 5.25% - 0 points - $4031 /mo payment”
5.875%
Purchase30-yr fixed
“- 30fxd - 5.875% - 0 points - $4141 /mo payment”
5.75%
PurchaseARM 7/1
“- 7ARM - 5.75% - 0 points - $1078 lender credit to reduce fees - $3933/mo payment”
6.5%
Purchase30-yr fixed
“- 30fxd - 6.5% - 0 points - $1078 lender credit to reduce fees - $4260/mo payment”
5.875%
PurchaseARM 10/1
“- 10ARM - 5.875% - 0 points - $1078 lender credit to reduce fees - $3987/mo payment”
6.375%
Refi30-yr fixed
“- 30fxd - 6.375% - 0 points - $589 lender credit to reduce fees - $2296 /mo payment”
5.75%
RefiARM 10/1
“- 10ARM - 5.75% - 0 points - $589 lender credit to reduce fees - $2148 /mo payment”
5.625%
RefiARM 7/1
“- 7ARM - 5.625% - 0 points - $589 lender credit to reduce fees - $2118/mo payment”
5.375%
Purchase
“- 30fxd - 5.375% - 0 points - $1180 lender credit to reduce fees - $2002 /mo payment”
6.625%
Refi30-yr fixed
“- 30fxd - 6.625 - 0 points - $115 lender credit to reduce fees - $2170 /mo payment”
5.25%
Refi15-yr fixed
“- 15fxd - 5.25% - 0 points - $34 lender credit to reduce fees - $2725 /mo payment”
6.3%
Purchase30-yr fixed
“30yrfx 400k purchase contract 100k down 6.3% 800+ fico”
5.625%
Refi
“6.875% -> 5.625%, 0 points, 3.9k loan costs. 75% LTV, 32% DTI, 800+ credit score.”
5.875%
Refi
“Rate locked at 5.875%, coming down from 7.375%.”
6.1%
Refi30-yr fixed
“I close today, 7.6% to 6.1%! 30-yr conventional, no points, will save me $400/month 😁”
5.375%
Refi20-yr fixed
“Currently going from 30 yr 7.49 to a 20yr 5.375 and saving money!”
6%
Purchase30-yr fixed
“- 30fxd - 6.00% - 0 points - $266 lender credit to reduce fees - $2698/mo payment”
6.5%
Refi30-yr fixed
“- 30fxd - 6.5% - 0 points - $1650 /mo payment”
6.375%
Refi30-yr fixed
“- 30fxd - 6.375% - 0 points - $2071 /mo payment (w/o PMI)”
5.875%
Refi30-yr fixed
“- 30fxd - 5.875% - 0 points - $4318/mo payment”
5.875%
Purchase30-yr fixed
“- 30fxd - 5.875% - 0 points - $1420 /mo payment”
5.75%
PurchaseARM 10/1
“- 10ARM - 5.75% - 0 points - $3200 lender credit to reduce fees - $11671 /mo payment”
5.625%
Refi
“I refinanced from 6.875% (original loan was $600k) to a 575k loan at 5.625%.”
5.625%
PurchaseARM 7/1
“- 7ARM - 5.625% - 0 points - $3200 lender credit to reduce fees - $11513 /mo payment”
5.625%
Refi30-yr fixedNorthpointe
“Just locked 30yr 5.625% with a credit at closing (so no closing costs) through Northpointe last week.”
5.75%
Purchase30-yr fixed
“- 30fxd - 5.75% - 0 points - $2218 /mo payment”
5.5%
Refi
“Going from 6.875 to 5.5 and also shaving 2 yrs off our remaining term. 3k refi cost.”
5.325%
Refi20-yr fixed
“I am currently refinancing 290k@6.675/30yr to 294k@5.325/20yr.”
5.99%
Refi
“I’m refinancing from 6.99% to 5.99% right now.”
5.725%
Refi
“I went from 6.99 to 6.625 to 5.725 all in the span of 6 months lol.”
4.875%
RefiARM 5/1
“I bought a year and half ago. 30 year fixed was at 6.75%, but I got 5.75% on a 7/6 ARM. I just refinanced to 4.875% on a 5/6 ARM.”
5.875%
RefiRocket
“We got a quote from rocket at 5.875 involving buying 1.25 pts and our loan amount would total $305k after lumping closing costs and escrow fees into the loan.”
6.49%
Refi
“Was at 7.1% and in the middle of my refi to 6.49%. This AM my LO called me and we switched banks and now locked in at 6.125%.”
4.25%
Purchase
“Just bought a new build. They offered 4.375% then bought it down even further to 4.25% and they covered all closing costs.”
6.125%
Refi
“Was at 7.1% and in the middle of my refi to 6.49%. This AM my LO called me and we switched banks and now locked in at 6.125%.”
5.3%
Refi
“I locked in 5.3% this morning - from 6.99% - total closing cost is 6.3k”
4.875%
PurchaseVA
“We close next month on VA and just locked at 4.875!”
5.9%
Refi
“I just refied last month. Bought 1.5 years ago at 7.5% because it was the house we wanted. Just closed 12/10 at 5.9%.”
5.99%
Refi
“My wife and I were at 7.125% and had only been in that loan for 14 months, we got down to 5.99% with no points.”
5.87%
Refi
“I mean, I just refinanced from 7% to 5.87% so no I don't think it's a scam.”
5.875%
Refi
“Refinanced from a 6.625% in January to 5.875% last month with breakeven in 3-4 months.”
5.625%
RefiARM 7/1
“- 7ARM - 5.625% - 0 points - $4723 lender credit - $4979 payment”
5.75%
RefiARM 10/1
“- 10ARM - 5.75% - 0 points - $5147 lender credit - $5048 payment”
5.5%
RefiARM 5/1
“- 5ARM - 5.5% - 0 points - $4723 lender credit - $4911 payment”
6.125%
Purchase30-yr fixed
“- 30fxd - 6.125% - 0 points - $2260 payment”
6%
Purchase30-yr fixed
“- 30fxd - 6.00% - 0 points - $3417 payment”
5.125%
Refi15-yr fixedPennyMac
“PennyMac: 5.125% & 0.0 / $0 in points (negotiated to stay on as customer”
5.62%
Refi30-yr fixedPennyMac
“I got a similar deal with Pennymac recently. They ate the points to match my ctedit union at 5.62 on a 30 year and $3k cheaper closing coats.”