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Rates Result

PURCHASE REFINANCE
Loan Amount:

Property Value:

Down payment:

Loan-to-Value:

Occupancy:
Owner Occupied
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Owner OccupiedSecond HomeInvestment
ZIP Code:

FICO Credit Score:
760 - 779 (Very Good)
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800 or higher (Exceptional)780 - 799 (Very Good)760 - 779 (Very Good)740 - 759 (Very Good)720 - 739 (Good)700 - 719 (Good)680 - 699 (Good)660 - 679 (Good)640 - 659 (Fair)620 - 639 (Fair)600 - 619 (Fair)580 - 599 (Fair)560 - 579 (Poor)540 - 559 (Poor)500 - 539 (Poor)
Loan Type:
Conventional
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ConventionalJumboFHAFHA StreamlineVAVA Streamline Refinance (VA IRRRL)
Upfront MIP Fee:
Financed
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FinancedNot Financed
$ (Upfront MIP Fee = Loan Amount x 1.75%)
VA Service Type:
Active Duty Service Members
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Active Duty Service MembersVeteransReservists & National Guard MembersRetired MilitarySurviving Spouse (DIC recipient)
VA Loan Use Type:
First-time Use
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First-time UseSubsequent Use
VA Disability Status:
Service-Connected Disability (>=10%)
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Service-Connected Disability (>=10%)Receiving VA Disability CompensationSurviving Spouse (DIC recipient)Purple Heart Recipient (Active Duty)N/A
VA Funding:
Financed
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FinancedNot Financed
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Property Type:
Single Family Residence
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Single Family ResidenceCondominium - AttachedCondominium - DetachedTownhouse/PUDManuf HousingDuplexTriplexFourplex
Number Of Borrowers:
1
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12345
If yes, what is the remaining balance?

CLTV:

Commit Period:
30 days
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15 days30 days
icon icon MORE DETAILS

First-time homebuyer: Yes Income: Rates updated on
FEATURED
30-YEAR FIXED
20-YEAR FIXED
15-YEAR FIXED
Term
Interest Rate
Lender points/
credits Closing Costs icon Lender points are optional fees you can pay upfront to lower your interest rate, which can save you money over time. If you see a positive number, it means you’ll pay extra at closing to get a lower rate. Lender credits, on the other hand, help reduce your upfront costs but may slightly increase your interest rate. If you see a negative number, it means the lender is covering part of your closing costs for you. These are the fees you pay when finalizing your loan, which may include lender fees, appraisal costs, title insurance, and escrow fees. If you see a negative total, it means the lender is giving you a credit to cover these costs, so you won’t have to pay them out of pocket. This credit can also help with prepaid expenses like interest or setting up your escrow account.
Monthly MI icon Loan-To-Value ratio exceeds 80%, you are required to purchase Mortgage Insurance.
Mortgage Payment
(P+I) (P+I+MI) icon Monthly payment includes principal and interest. Monthly payment includes principal, interest and mortgage insurance (MI).
Action
icon Sorry, there are no available rates for this scenario.

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Disclaimer: Due to fluctuating market conditions, we recommend contacting a loan officer to confirm rates in the pricing engine. Rates are effective as of the generated date and may change. Principal and interest payments do not include taxes or homeowners insurance, which could increase the actual monthly payment. Loan approval is subject to borrower qualifications. View our Mortgage Disclosures for more important rate information.
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LOAN LIMITS

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Current Loan Type

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VA FUNDING FEE RATES

Loan Type
Purchase
Purchase
Purchase
Refinance
Down Payment
0%
5% or more
10% or more
N/A
First-time Use
-
-
-
-
Subsequent Use
-
-
-
-
VA funding Fee = Loan Amount x Applicable Funding Fee Percentage
VA funding Fee = x
VA funding Fee =
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VA IRRRL FUNDING FEE RATES

Loan Type
VA Streamline Refinance (VA IRRRL)
Down Payment
N/A
First-time Use
-
Subsequent Use
-
VA funding Fee = Loan Amount x Applicable Funding Fee Percentage
VA funding Fee = x
VA funding Fee =
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PROPOSED Housing EXPENSE

Interest rate: / APR:
Principal + Interest
$
Hazard Insurance
$
Real Estate Taxes
$
Mortgage Insurance
$
Total Monthly Payment
$
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RATE ALERT SETUP

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  • Loan Amount:
  • Property Value:
  • Loan Term:
  • Credit Score (FICO):
  • Property Type:
Target interest rate
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Current Points/Credits:
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Weekly
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WeeklyMonthlyOnce target rate hits
Our system checks the rate daily and will alert you once your target rate is reached.
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Disclaimer: We respect your privacy. By submitting your contact information, you consent to us sharing your personal details with our mortgage partners, service providers, and affiliates for marketing, analytics, and improving your experience. You also agree to receive communication from us at the provided number, including through automated methods such as auto-dialing, text messages (message and data rates may apply), prerecorded messages, and email. This consent remains valid even if your number is listed on a National Do Not Call registry. For more details, please review our Privacy Policy. Providing consent is not a condition for using Lock It Mortgage’s services. You can contact us at 469-868-8188 for assistance. Message frequency may vary. To opt out, text STOP.

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For Low-to-Moderate Income borrowers purchasing or refinancing a primary home

Are you a first-time homebuyer?

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Yes No

First-time homebuyers are those purchasing a home for the first time or who haven't owned property in the past three years.

Total number of financed properties

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Only 1 financed property 2 financed properties More than 2 financed properties

Including the subject property.

What is your total pre-tax income?

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Including income of all borrowers.