MortgageFy mascot
▶  Rates as low as 5.99% APR Today

Your home loan
starts here

Pre-qualify in minutes, lock your rate, and close with confidence. MortgageFy™ gives you the tools, clarity, and speed to own the home you deserve.

$2.4B+
Loans Funded
14 Days
Avg Close Time
4.9 ★
Borrower Rating
MortgageFy mascot

Find your mortgage

No credit pull required • Free • 2 minutes

Buy a Home
Refinance
Cash-Out
VA Loan
FHA Loan
Jumbo

No credit pull required • 100% free • Results in under 2 minutes

Today's Rates
30-Yr Fixed
6.62%-0.08
6.71% APR
15-Yr Fixed
6.05%-0.09
6.18% APR
5/1 ARM
6.51%+0.02
6.64% APR
FHA 30-Yr
6.41%-0.11
6.94% APR
VA 30-Yr
5.99%-0.13
6.24% APR
Jumbo 30-Yr
6.79%+0.04
6.87% APR
Updated May 27, 2026 • 740 FICO, 20% down
Tools
Calculate your numbers
Accurate estimates for your payment, affordability, and refinance savings — in real time.
Estimated Monthly Payment
$3,078
30-yr fixed at 6.63% on $400,000 loan
Principal & Interest$2,561
Property Tax$417
Homeowners Insurance$100
PMI$0

Uses 43% back-end DTI guideline.

You Can Afford Up To
$653,462
Based on 43% DTI guideline
Max Monthly Housing$3,800
Est. Monthly Payment$3,800
Loan Amount$593,462
Front-End DTI38.0%
Back-End DTI43.0%
Monthly Savings
$179
Break-even in 3.0 years
Current Payment$2,365
New Payment$2,186
Lifetime Savings$47,314
Break-Even3.0 yrs

Amortization Schedule

Monthly Payment
$2,626
Total Interest
$545,352
Total Cost
$945,352
Payoff Date
May 2056
# Date Payment Principal Interest Balance
Loan Options
Find the right loan for you
Competitive rates on every loan type — conventional, government-backed, and jumbo.
🏠
30-Year Fixed
Lock in today's rate for the life of your loan with stable, predictable payments.
6.62%
rate
6.71% APR
  • Payment stability for 30 years
  • Ideal for long-term owners
  • As low as 3% down
  • No prepayment penalty
Most Popular
⚡
15-Year Fixed
Pay off your home in half the time and save hundreds of thousands in interest.
6.05%
rate
6.18% APR
  • Lower rate than 30-year
  • Build equity 2x faster
  • Save $200K+ in interest
  • Excellent for refinancing
📊
5/1 ARM
Lower fixed rate for 5 years, then adjusts. Smart for short-term ownership plans.
6.51%
rate
6.64% APR
  • Lower initial rate
  • Rate caps protect you
  • Great for 5–7 yr plans
  • 2/2/5 cap structure
🇺🇸
VA Loan
For veterans & active duty. Zero down, no PMI, and the lowest available rates.
5.99%
rate
6.24% APR
  • 0% down payment
  • No monthly PMI
  • Limited closing costs
  • Flexible credit requirements
🏛️
FHA Loan
Government-backed with flexible credit requirements — the fastest path to ownership.
6.41%
rate
6.94% APR
  • 3.5% minimum down
  • 580+ credit score
  • Gift funds allowed
  • Seller concessions up to 6%
💎
Jumbo Loan
Financing above $806,500 for luxury properties and high-cost areas.
6.79%
rate
6.87% APR
  • Loans $807K to $3M+
  • 10–20% down options
  • Competitive portfolio pricing
  • Interest-only available
Refinance
Lower your payment.
Tap your equity.

Rates have shifted. Many homeowners are leaving money on the table. In 2 minutes, find out if a refinance puts more cash in your pocket every month.

Current Balance $320,000
Current Rate 7.50%
Remaining Term 25 years
Monthly Savings
$179/mo
Refinancing to 6.62% on 30-yr fixed
Current payment$2,365
New payment$2,186
Monthly savings$179
5-year savings$10,743
Lifetime savings$53,714
How It Works
From application to keys in 14 days
Our streamlined process removes the friction from traditional mortgage lending.
01
Apply Online in Minutes
Answer a few questions about income, assets, and property. No credit pull to start.
02
Get Pre-Approved
Receive a verified pre-approval letter within hours — real negotiating power.
03
Lock Your Rate
Once under contract, lock your rate and upload documents via your secure portal.
04
Close & Move In
We coordinate with escrow, title, and your agent to close on time, every time.
Borrower Stories
What our clients say
Thousands of families financed their homes with MortgageFy™.
★★★★★
"We were first-time buyers completely overwhelmed. MortgageFy walked us through every step and we closed in 12 days. Incredible experience."
SM
Sarah & Marcus Torres
Purchased in Riverside, CA — FHA Loan
★★★★★
"I refinanced from 7.75% to 6.87% and cut $240 off my monthly payment. The refi calculator was accurate to the dollar."
DK
David Kim
Refinanced in Redlands, CA — 30-Yr Fixed
★★★★★
"As a veteran, the VA program saved me thousands. Zero down, no PMI, and my loan officer knew the process cold. Highly recommend."
RT
Robert Thompson
Purchased in Beaumont, CA — VA Loan
MortgageFy mascot

Ready to make your move?

Get pre-approved in minutes — no credit pull required. Our licensed loan officers are standing by.