Lenders calculate rates using assumptions: basic loan details. For all rates shown, unless otherwise noted, we assumed:

  • You’re buying or refinancing a single-family home that’s your primary residence.
  • If refinancing, you’re not taking cash out.
  • Closing costs will be paid up front, not rolled into the loan.
  • Your debt-to-income ratio is less than 30%.
  • Your credit score is over 720, or 740 for certain jumbo loan options.
  • You’ll have an escrow account for payment of taxes and insurance.


  • Listed rates are offered exclusively through Rocket Mortgage.
  • Mortgage rates can change daily.
  • Some loan options may not be available in all states.
  • Some jumbo loan options may not be available to first-time home buyers.
  • Lending services may not be available in all areas.
  • Refinancing may cause finance charges to be higher over the life of the loan.
  • Some restrictions may apply.
  • The rate lock period is 45 days.
  • One point equals one percent of your loan amount.
  • The annual percentage rate, or APR, includes the interest rate plus fees and expenses associated with taking out a loan.