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Loaning.ai's 6.875% RateCould Save You $177.00/Month
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Find Your Best RatesCompare mortgage rates and find the right option for you.I'm Buying a HomeExplore purchase rates and homebuying tools, and get pre-approved.I'm RefinancingExplore refinance rates and options, and see your potential savings.Find Your Best RatesCompare mortgage rates and find the right option for you.A Smarter Mortgage,Without the Extra Friction.
Competitive Rate Options
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September 30, 2026 Updated
Today's Best Rates
Compare rates, APRs, points, and credits across loan options.
30-Year Conforming
6.875%
from the last update
APR
6.981%
Points
$5,047.00
DSCR
7.000%
from the last update
APR
7.110%
Points
$5,250.00
P&L Only
7.000%
from the last update
APR
7.135%
Points
$6,958.00
VOE Only
7.000%
from the last update
APR
7.109%
Points
$5,208.00
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.
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Loan Term
Estimated
Monthly Payment
$5,931.84/mo
This calculator provides estimates for illustrative purposes only, based on the default assumptions in our Mortgage Calculator. Use the Mortgage Calculator for a more detailed estimate.
Mortgage Support YouCan Count On
4.94
Based on Zillow & Google reviews
1 hrs
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
This review was translated and summarized by AI. Click to view the original review.
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