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Rates
Today's mortgage rates
Today's 30-year fixed rates for three common loan types. Each one is priced for the scenario in its footnote, so your rate will depend on your own details. Fill out the short form below and I'll send you a quote for your situation.
Rates as of October 30, 2026. APR is the annual percentage rate.
Conventional 30-year fixed*
FHA 30-year fixed**
VA 30-year fixed***
- * Conventional 30-year fixed: rate and APR assume a $500,000 loan amount, a 20% down payment, a credit score of 740 or higher, a single-family primary residence, 0 discount points and a 30-day rate lock. 360 monthly payments.
- ** FHA 30-year fixed: rate and APR assume a $500,000 loan amount, a 3.5% down payment, a credit score of 740 or higher, a single-family primary residence, 0 discount points and a 30-day rate lock. 360 monthly payments. The APR includes the upfront and monthly FHA mortgage insurance premiums.
- *** VA 30-year fixed: rate and APR assume a $500,000 loan amount, a 0% down payment, a credit score of 740 or higher, a single-family primary residence, 0 discount points and a 30-day rate lock. 360 monthly payments. The APR includes the VA funding fee for first-time use.
Today's rates aren't posted yet. Call or text for today's rates, or fill out the form below and I'll price your scenario.
Not all borrowers will qualify. Rates, APRs and terms are subject to change without notice. Rates shown are for the scenarios described above and are not a loan offer, a rate lock or a commitment to lend. Your actual rate and APR depend on your credit, loan amount, down payment, property type, occupancy and other factors.
Erik Kinsley, NMLS #255872. C2 Financial Corporation, NMLS #135622, California DRE #01821025. Equal Housing Lender.
Equal Housing Opportunity
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