Ideal Mortgage Rates

Today's Rates

Fixed-Rate Mortgage

Program Name Rate Points APR*
30 Yr. Fixed - Conventional 6.500% 0.00% 6.636%
30 Yr. Fixed - FHA 6.625% 0.00% 7.761%
30 Yr. Fixed - VA 6.625% 0.00% 7.000%
15 Yr. Fixed - Conventional 5.750% 0.00% 5.968%

Fixed-Rate Mortgage Specials

Program Name Benefits Get Started Today!
25 Yr. Fixed - Zero Down - Conventional1 Get into your new home sooner. Call us at 651-747-4663 or Make an Appointment for rates and to learn more.

Adjustable-Rate Mortgage

Program Name Rate Points APR*
10/5 ARM - Conventional 6.000% 0.00% 6.482%
10/1 ARM - Conventional 5.875% 0.00% 6.399%
7/1 ARM - Conventional 5.750% 0.00% 6.346%
5/1 ARM – Conventional 5.625% 0.00% 6.297%

Jumbo Mortgage

Program Name Rate Points APR*
30 Yr Fixed - Jumbo 6.625% 0.00% 6.706%
15 Yr. Fixed - Jumbo 6.000% 0.00% 6.128%

Additional Mortgage Programs

We have additional products and rates available (such as 20 and 10 year fixed rate terms), please contact us for more information.



Payment / Amortization Calculator

Calculate your monthly payment for fixed rate or adjustable rate loans.

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Default amounts are hypothetical and may not apply to your individual situation. This calculator provides approximations for informational purposes only. Actual results will be provided by your lender and will likely vary depending on your eligibility and current market rates.

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*APR= Annual Percentage Rate. Rates last updated July 10, 2025 and are subject to change without notice.
If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR (applicable on conventional products).

Payment example: On a $300,000 owner occupied (primary residence) home loan at 6.636% APR for a 30 year term, monthly payments would be $1,896.20 per month. Payments do not include applicable taxes and insurance and may result in higher payments.

Payment example: On a $250,000 mortgage loan at 5.968% APR for a 15 year term, monthly payments would be $2,076.03. Payments do not include applicable taxes and insurance and may result in higher payments.

Adjustable Rate Mortgage Disclosures

1. Zero Down Mortgage Program: available for qualified applicants with minimum 700 credit score. Some restrictions may apply. Available for purchase transactions and owner-occupied residence up to max loan amount of $647,200. Payment example: On a $300,000 mortgage loan at 7.672% APR for a 25-year term, monthly payments would be $2,335.62. This payment example does not include taxes and insurance and the payment will be higher than the disclosed payment. Subject to mortgage insurance approval. Not eligible for condos or multi-family properties.