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Loaning.ai's 6.375% RateYou Could Save $231.00/Month
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Find Your Best RatesExplore available rates and find the right mortgage option for you.I'm Buying a HomeExplore mortgage rates, use helpful homebuying tools, and get pre-approved.I'm RefinancingExplore refinance rates and options, and see your potential savings.Find Your Best RatesExplore available rates and find the right mortgage option for you.A Smarter Mortgage,Without the Extra Friction.
Competitive Rate Options
AI-powered technology helps you explore competitive rate options based on your profile.
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Updated November 6, 2026
Today's Mortgage Rates
Compare rates, APRs, points, and credits across loan options.
30-Year Conforming
6.375%
vs. last update
APR
6.476%
Points
$3,122.00
DSCR
7.125%
vs. last update
APR
7.278%
Points
$5,943.00
P&L Only
7.125%
vs. last update
APR
7.264%
Points
$4,977.00
VOE Only
7.125%
vs. last update
APR
7.239%
Points
$3,227.00
Need help comparing options? Talk with a Loan Officer at (800) 373-9290
The rate shown is based on a sample borrower profile — a purchase loan for a single-family primary residence, with W-2 income, a 740 credit score, 70% loan-to-value (LTV), and 45% debt-to-income (DTI). Actual rates and terms may vary based on your credit profile, loan amount, and property details. The sample borrower profile above may not apply to all loan types, as eligibility requirements and rate assumptions vary by loan program.
See How Your RateChanges Your Payment
Estimate and compare monthly payments based on home value, down payment, and interest rate.
Loan Term
Estimated Monthly Payment (P&I)
$5,700.43/mo
Estimated payment shown is for principal and interest only and is for illustrative purposes. It does not include property taxes, homeowners insurance, mortgage insurance, HOA dues, or other costs that may apply. Actual payments may vary. Use our Mortgage Calculator for a more detailed estimate.
Mortgage Support YouCan Count On
5.0
32+ reviews on Zillow & Google
1 hr
Pre-approval after document completion
7+
Loan programs
Professional and fast support from pre-approval to closing. Among several lenders, they offered the most competitive rate.
Minsoo Shim
Right before closing, they presented the lowest interest rate available. I was initially hesitant about using an out-of-state lender, but smooth communication and quick progress got us through without a hitch.
Whasoon
After comparing more than 20 lenders, they offered the most competitive conditions in both rate and cost. Clear and fast communication built my trust, and the process of transferring funds from Korea went smoothly as well.
Sean Hwang
During my refinancing process, Loaning.ai stood out by taking the time to truly understand my situation and offering personalized solutions. Their transparency and honesty made the entire experience feel trustworthy, and I was able to move forward with confidence.
Juchan Kim
They offer some of the lowest mortgage rates available. The team is highly professional and efficient, especially when handling funds from Korean bank accounts.
Jinkyu Park
Despite limited U.S. credit history, I purchased my first home in Irvine within two months. They later helped me refinance at a lower rate.
Haejung Cho
These reviews were translated and summarized by AI. Click to view the original review.
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