These mortgage interest rates assume a few things about you - for example, you have very good credit (a FICO credit score of 740+) and that you're buying a single-family home as your primary residence. Mortgage discount points are not factored into these rates. If you decide to purchase points at closing, your interest rate may be lower than the rates shown here. Rate vs. APR The Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. That's why a mortgage APR is typically higher than the interest rate - and why it's such an important number when comparing loan offers. If you have a complaint please send an email to Compliance@culending.org © 2021 AGV Grouppe, Incorporated. (California Brokers License #01796227). All information contained herein is for informational purposes only and, while every effort has been made to insure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the California Department of Real Estate