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Loan Term

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Strong Home Mortgage
Rating

Rating 5.0/5

Rates

4.250%

7/1 year ARM

APR

4.796%

Upfront

$12430

Monthly
Payment

$3589

Strong Home Mortgage
Rating

Rating 5.0/5

Rates

4.375%

10/1 year ARM

APR

4.746%

Upfront

$10806

Monthly
Payment

$3643

Strong Home Mortgage
Rating

Rating 5.0/5

Rates

3.990$

15 year fixed

APR

4.238%

Upfront

$10806

Monthly
Payment

$3479

Strong Home Mortgage
Rating

Rating 5.0/5

Rates

4.375%

30 year fixed

APR

4.517%

Upfront

$12106

Monthly
Payment

$3643

American Capital
Rating

Rating 5.0/5

Rates

4.125$

15 year fixed

APR

4.444%

Upfront

$13778

Monthly
Payment

$3536

American Capital
Rating

Rating 5.0/5

Rates

4.375%

30 year fixed

APR

4.567%

Upfront

$16251

Monthly
Payment

$3643

First Midwest Bank
Rating

Rating 4.8/5

Rates

4.375%

5/6 year ARM

APR

4.341%

Upfront

$841

Monthly
Payment

$3643

First Midwest Bank
Rating

Rating 4.8/5

Rates

4.500%

7/6 year ARM

APR

4.409%

Upfront

$841

Monthly
Payment

$3697

First Midwest Bank
Rating

Rating 4.8/5

Rates

4.625%

10/6 year ARM

APR

4.517%

Upfront

$841

Monthly
Payment

$3751

First Midwest Bank
Rating

Rating 4.8/5

Rates

4.250$

15 year fixed

APR

4.513%

Upfront

$11358

Monthly
Payment

$3589

First Midwest Bank
Rating

Rating 4.8/5

Rates

4.500%

30 year fixed

APR

4.671%

Upfront

$14419

Monthly
Payment

$3697

Angel Oak
Rating

Rating 1.0/5

Rates

4.625%

30 year fixed

APR

4.774%

Upfront

$12508

Monthly
Payment

$3751

ally bank
Rating

Rating 4.3/5

Rates

4.990%

30 year fixed

APR

4.990%

Upfront

$0

Monthly
Payment

$3912

Interest Mortgage
Rating

Rating 4.9/5

Rates

6.000%

30 year fixed

APR

6.194%

Upfront

$14945

Monthly
Payment

$4374

Sage Mortgage
Rating

Rating 4.8/5

Rates

6.050%

20 year fixed

APR

6.161%

Upfront

$6496

Monthly
Payment

$4398

Sage Mortgage
Rating

Rating 4.8/5

Rates

7.000%

30 year fixed

APR

7.198%

Upfront

$412

Monthly
Payment

$4854

First Mortgage Direct
Rating

Rating 4.7/5

Rates

3.875%

5/6 year ARM

APR

4.150%

Upfront

$12595

Monthly
Payment

$3431

First Mortgage Direct
Rating

Rating 4.7/5

Rates

4.000%

7/6 year ARM

APR

4.189%

Upfront

$12595

Monthly
Payment

$3483

First Mortgage Direct
Rating

Rating 4.7/5

Rates

4.250%

10/6 year ARM

APR

4.325%

Upfront

$11459

Monthly
Payment

$3589

Find Mortgage Broker.com
Rating

Rating 5.0/5

Rates

4.625%

20 year fixed

APR

4.758%

Upfront

$8179

Monthly
Payment

$3751

Loan Term

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Optimum First Mortgage
Rating

Rating 5.0/5

Rates

4.750%

30 year fixed

APR

4.956%

Upfront

$17759

Monthly
Payment

$3806

Optimum First Mortgage
Rating

Rating 5.0/5

Rates

4.750%

20 year fixed

APR

4.941%

Upfront

$12128

Monthly
Payment

$4715

Optimum First Mortgage
Rating

Rating 5.0/5

Rates

4.000%

15 year fixed

APR

4.351%

Upfront

$17752

Monthly
Payment

$5397

Optimum First Mortgage
Rating

Rating 5.0/5

Rates

4.250%

30 year fixed

APR

4.431%

Upfront

$16087

Monthly
Payment

$3589

Optimum First Mortgage
Rating

Rating 5.0/5

Rates

3.625%

15 year fixed

APR

3.905%

Upfront

$14362

Monthly
Payment

$5261

Optimum First Mortgage
Rating

Rating 5.0/5

Rates

3.875%

7/6 year ARM

APR

4.458%

Upfront

$15844

Monthly
Payment

$9930.84

Optimum First Mortgage
Rating

Rating 5.0/5

Rates

3.750%

5/6 year ARM

APR

4.503%

Upfront

$15844

Monthly
Payment

$13354.54

Watermark Home Loans
Rating

Rating 4.9/5

Rates

5.125%

30 year fixed

APR

5.31%

Upfront

$15834

Monthly
Payment

$3973

Watermark Home Loans
Rating

Rating 4.9/5

Rates

5.375%

20 year fixed

APR

5.631%

Upfront

$15934

Monthly
Payment

$4967

Watermark Home Loans
Rating

Rating 4.9/5

Rates

4.375%

15 year fixed

APR

4.710%

Upfront

$17752

Monthly
Payment

$5535

Watermark Home Loans
Rating

Rating 4.9/5

Rates

4.750%

30 year fixed

APR

4.900%

Upfront

$12984

Monthly
Payment

$3806

Watermark Home Loans
Rating

Rating 4.9/5

Rates

3.875%

15 year fixed

APR

4.148%

Upfront

$13934

Monthly
Payment

$5351

Watermark Home Loans
Rating

Rating 4.9/5

Rates

3.875%

7/6 year ARM

APR

4.458%

Upfront

$15834

Monthly
Payment

$9930.84

Watermark Home Loans
Rating

Rating 4.9/5

Rates

3.750%

5/6 year ARM

APR

4.503%

Upfront

$15834

Monthly
Payment

$13354.54

BlueSky Financial
Rating

Rating 4.9/5

Rates

4.990%

30 year fixed

APR

5.178%

Upfront

$15999

Monthly
Payment

$3912

BlueSky Financial
Rating

Rating 4.9/5

Rates

4.875%

20 year fixed

APR

5.103%

Upfront

$14403

Monthly
Payment

$4765

BlueSky Financial
Rating

Rating 4.9/5

Rates

4.375%

15 year fixed

APR

4.673%

Upfront

$16784

Monthly
Payment

$5535

BlueSky Financial
Rating

Rating 4.9/5

Rates

4.750%

30 year fixed

APR

4.857%

Upfront

$9326

Monthly
Payment

$3806

BlueSky Financial
Rating

Rating 4.9/5

Rates

4.000%

15 year fixed

APR

4.200%

Upfront

$10200

Monthly
Payment

$5397

BlueSky Financial
Rating

Rating 4.9/5

Rates

5.125%

7/6 year ARM

APR

4.930%

Upfront

$14752

Monthly
Payment

$10355.01

BlueSky Financial
Rating

Rating 4.9/5

Rates

4.875%

5/6 year ARM

APR

4.749%

Upfront

$14745

Monthly
Payment

$13726.71

BlueSpot Home Loans
Rating

Rating 4.9/5

Rates

5.250%

30 year fixed

APR

5.431%

Upfront

$15200

Monthly
Payment

$4029

BlueSpot Home Loans
Rating

Rating 4.9/5

Rates

4.625%

30 year fixed

APR

4.794%

Upfront

$14752

Monthly
Payment

$3751

BlueSpot Home Loans
Rating

Rating 4.9/5

Rates

5.000%

15 year fixed

APR

5.281%

Upfront

$13908

Monthly
Payment

$5770

Home.com
Rating

Rating 4.9/5

Rates

5.625%

30 year fixed

APR

5.708%

Upfront

$6853

Monthly
Payment

$4200

Home.com
Rating

Rating 4.9/5

Rates

4.875%

15 year fixed

APR

5.038%

Upfront

$14966

Monthly
Payment

$5722

Home.com
Rating

Rating 4.9/5

Rates

5.125%

30 year fixed

APR

5.125%

Upfront

$0

Monthly
Payment

$3973

Home.com
Rating

Rating 4.9/5

Rates

4.490%

15 year fixed

APR

4.494%

Upfront

$211

Monthly
Payment

$5578

loanDepot
Rating

Rating 3.6/5

Rates

6.125%

30 year fixed

APR

6.313%

Upfront

$14972

Monthly
Payment

$4433

loanDepot
Rating

Rating 3.6/5

Rates

4.875%

15 year fixed

APR

5.163%

Upfront

$14279

Monthly
Payment

$5722

Direct Home Lending
Rating

Rating 4.8/5

Rates

4.999%

30 year fixed

APR

5.153%

Upfront

$13163

Monthly
Payment

$3916

Direct Home Lending
Rating

Rating 4.8/5

Rates

4.750%

20 year fixed

APR

4.985%

Upfront

$14888

Monthly
Payment

$4715

Direct Home Lending
Rating

Rating 4.8/5

Rates

4.500%

15 year fixed

APR

4.783%

Upfront

$8123

Monthly
Payment

$5581

Direct Home Lending
Rating

Rating 4.8/5

Rates

4.500%

30 year fixed

APR

4.663%

Upfront

$14331

Monthly
Payment

$3697

Direct Home Lending
Rating

Rating 4.8/5

Rates

3.750%

15 year fixed

APR

4.015%

Upfront

$13574

Monthly
Payment

$5306

Ally Bank
Rating

Rating 4.3/5

Rates

6.000%

30 year fixed

APR

6.164%

Upfront

$13186

Monthly
Payment

$4374

Ally Bank
Rating

Rating 4.3/5

Rates

6.500%

20 year fixed

APR

6.708%

Upfront

$12304

Monthly
Payment

$5440

Ally Bank
Rating

Rating 4.3/5

Rates

5.250%

30 year fixed

APR

5.380%

Upfront

$10990

Monthly
Payment

$4029

Ally Bank
Rating

Rating 4.3/5

Rates

5.125%

15 year fixed

APR

5.386%

Upfront

$12882

Monthly
Payment

$5817

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5000
100000
Light Stream
Rating

Rating 4.6/5

APR

5.73%

with AutoPay

Loan
Amount

$5k-
$100k

Term: 2-7 yr*

Min Credit
Score

Not disclosed

1000
50000
Upgrade
Rating

Rating 4.8/5

APR

6.95-
35.97%

with AutoPay

Loan
Amount

$1k-
$50k

Term: 2-7 yr

Min Credit
Score

Not disclosed

2000
50000
Best Egg
Rating

Rating 4.7/5

APR

5.99%

3 or 5 year term

Loan
Amount

$2k-
$50k

Term: 3-5 yr

Min Credit
Score

660

5000
100000
SoFi
Rating

Rating 4.6/5

APR

7.99-
22.73%

with AutoPay

Loan
Amount

$5k-
$100k

Term: 2-7 yr

Min Credit
Score

Not disclosed

5000
40000
Happy Money
Rating

Rating 4.6/5

APR

5.99%

Loan
Amount

$5k-
$40k

Term: 2-5 yr

Min Credit
Score

Not disclosed

1000
40000
Lending Club
Rating

Rating 4.5/5

APR

6.34-
35.89%

Loan
Amount

$1k-
$40k

Term: 3-5 yr

Min Credit
Score

Not disclosed

35000
40000
Marcus by Goldman Sachs
Rating

Rating 4.8/5

APR

6.99-
19.99%

Loan
Amount

$3.5k-
$40k

Term: 3-6 yr

Min Credit
Score

660

2000
40000
PROSPER
Rating

Rating 4.6/5

APR

7.95-
35.99%

Loan
Amount

$2k-
$40k

Term: 3-5 yr

Min Credit
Score

560

2000
37000
Lending Point
Rating

Rating 4.4/5

APR

7.99-
35.99%

Loan
Amount

$2k-
$37k

Term: 2-5 yr

Min Credit
Score

Not disclosed

2000
35000
AVANT
Rating

Rating 4.5/5

APR

22.95-
35.99%

Loan
Amount

$2k-
$35k

Term: 2-5 yr

Min Credit
Score

500

10000
15000
Accredited Debt Relief
Rating

Rating 0.0/5

APR

35.99%

Loan
Amount

$10k-
$15k

Term:

Min Credit
Score

None

10000
100000
National Debt Relief
Rating

Rating 0.0/5

APR

Loan
Amount

$10k-
$100k

Term:

Min Credit
Score

None

10000
100000
Pacific Debt Inc
Rating

Rating 0.0/5

APR

Loan
Amount

$10k-
$100k

Term:

Min Credit
Score

None

1000
35000
Stilt
Rating

Rating 0.0/5

APR

7.99-
35.99%

Loan
Amount

$1k-
$35k

Term: 1-3 yr

Min Credit
Score

None

1000
10000
NetCredit
Rating

Rating 4.3/5

APR

34.00%

Loan
Amount

$1k-
$10k

Term: 0.5-5 yr

Min Credit
Score

None

Vivint Home Security
Rating

Rating 5/5

  • Cash can be available within the same business day.
  • Requires low minimum credit score.
  • Less paperwork than most lenders.

Mortgage Calculator

Loan

=

$1,860.03

Taxes & fees

=

$466.667

(yearly)

(yearly)

(monthly)

(monthly)

How to Calculate Your Mortgage Payments

Although the maths underlying mortgage payments is challenging, JNA's mortgage calculator makes it simple and quick to solve.

First, enter the price (if you're buying) or the current value of your property (if you're refinancing your mortgage) next to the field labeled "Home price."

Enter the amount of your down payment (if you're buying) or your equity (if you're refinancing) in the "Down payment" field. Home equity is the worth of the home less any outstanding debt. A down payment is the cash you pay up front buying a home. You have the option of entering a monetary amout or a percentage of the purchase price.

Choose the duration — typically 30 years, but it might be 20, 15, or 10 — and our calculator will adapt the repayment schedule.

Finally, enter the rate you anticipate paying in the "Interest rate" area. You can change the percentage in our calculator; the default value is the current average rate. Depending on whether you're buying or refinancing, your rate will change.

Important information about our rate table

About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, JNA.org. Some lenders provide their mortgage loan terms to JNA.org for advertising purposes and JNA.org receives compensation from those advertisers (our "Advertisers"). Other lenders' terms are gathered by JNA.org through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a "Next" button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.

Show more.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. JNA.org cannot guaranty the accuracy or availability of any loan term shown above. However, JNA.org attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program.

Loan Terms for JNA.org Customers: Advertisers may have different loan terms on their own website from those advertised through JNA.org. To receive the JNA.org rate, you must identify yourself to the Advertiser as a JNA.org customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $548,250 May Have Different Loan Terms: If you are seeking a loan for more than $548,250, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used JNA.org and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you.