Compare Today's Mortgage Rates: Find the Right Loan

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Our purchase rates

Learn more about our home purchase loans.

Table for Purchase rates
Fixed-Rate Loan Type	Interest^{See note1}	Annual Percentage Rate^{See note2}	Points
V A Purchase Loan^{See note3}	5.875%	6.234%	1.239
V A Jumbo Purchase Loan	6.000%	6.313%	0.825
Conventional Purchase Loan^{See note4}	6.500%	6.697%	1.142
Low Down Payment Purchase Loan^{See note4}^{See note,}^{See note5}^{See note,}^{See note6}	6.500%	7.231%	1.039

Table for Purchase rates
Fixed-Rate Loan Type	V A Purchase Loan^{See note3}
Interest^{See note1}	5.875%
Annual Percentage Rate^{See note2}	6.234%
Points	1.239
Fixed-Rate Loan Type	V A Jumbo Purchase Loan
Interest^{See note1}	6.000%
Annual Percentage Rate^{See note2}	6.313%
Points	0.825
Fixed-Rate Loan Type	Conventional Purchase Loan^{See note4}
Interest^{See note1}	6.500%
Annual Percentage Rate^{See note2}	6.697%
Points	1.142
Fixed-Rate Loan Type	Low Down Payment Purchase Loan^{See note4}^{See note,}^{See note5}^{See note,}^{See note6}
Interest^{See note1}	6.500%
Annual Percentage Rate^{See note2}	7.231%
Points	1.039

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Our refinance rates

Learn more about our mortgage refinance loans.^{See note7}

Table for Mortgage refinance rates
Loan Type	Interest^{See note1}	Annual Percentage Rate^{See note2}	Points
V A Interest Rate Reduction Refinance Loan, or I R R R L	5.875%	6.016%	1.265
V A Cash-Out Refinance Loan^{See note8}	6.000%	6.428%	0.735
Conventional Refinance Loan^{See note4}	6.625%	6.824%	0.988
Conventional Cash-out Loan^{See note4}^{See note,}^{See note8}	7.375%	7.613%	1.039

Table for Mortgage refinance rates
Loan Type	V A Interest Rate Reduction Refinance Loan, or I R R R L
Interest^{See note1}	5.875%
Annual Percentage Rate^{See note2}	6.016%
Points	1.265
Loan Type	V A Cash-Out Refinance Loan^{See note8}
Interest^{See note1}	6.000%
Annual Percentage Rate^{See note2}	6.428%
Points	0.735
Loan Type	Conventional Refinance Loan^{See note4}
Interest^{See note1}	6.625%
Annual Percentage Rate^{See note2}	6.824%
Points	0.988
Loan Type	Conventional Cash-out Loan^{See note4}^{See note,}^{See note8}
Interest^{See note1}	7.375%
Annual Percentage Rate^{See note2}	7.613%
Points	1.039

For V A Jumbo Interest Rate Reduction Refinance Loan rates, call 800-531-0341.

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Have questions? Or need to refinance?

Speak to one of our loan officers.

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Mortgage payment calculator

The monthly payment amount shown is based on information you provided and is only an estimate.^{See note9}

Home price in years

Interest rate in percent

Down payment in dollars This is 0% of the home price

Loan term in years Fixed rate

30-year fixed

Taxes, insurance, H O A For a more accurate payment estimate, consider adding some of these options.

Mortgage rates frequently asked questions

Expand all Mortgage rates frequently asked questions

Resources for homebuyers

Adjustable versus fixed-rate mortgages

Read article about adjustable versus fixed-rate mortgages
Understanding mortgage interest rates and points

Read article about understanding mortgage interest rates and points
How to begin your homebuying journey

Read article about how to begin your homebuying journey

Note 1 The advertised rates and points are subject to change without notice at any time and are not available to every borrower. The advertised rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and our internal credit criteria. The advertised rates are based on a fixed rate mortgage loan and rates will vary based on the term of the mortgage loan and property location. Other rates, points, and terms may be available. All loans are subject to credit and property approval. Property insurance is, and flood insurance may be, required.

Note 2 APR (Annual Percentage Rate) is a rate used to calculate your cost of borrowing in a year. Unlike interest rates, APR factors in the amount borrowed, the interest rate, points, one-time fees, and discounts to determine a more accurate yearly cost. The standardized APR formula is used to make it easier for consumers to compare rates at different businesses.

Note 3 VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount.

Note 4 USAA Bank Mortgage does not currently offer Conventional loans in the state of Hawaii.

Note 5 First-time homebuyer means someone who has not owned a home in the past three years.

Note 6 If all occupying borrowers have not owned a home in the past three years and plan to apply for a USAA Federal Savings Bank, 30-Year Conventional Loan with less than a 5% down payment, at least one borrower on the mortgage loan will need to complete a free homebuyer education course online before closing.

Note 7 A home loan refinance may be useful for many customers who want to lower their monthly debt payments. However, a refinance is secured by your home, has closing costs and may ultimately require paying more in interest over time.

Note 8 USAA Bank does not offer a cash out refinance product in the state of Texas.

Note 9 This mortgage calculator is intended to assist you with estimating monthly mortgage payments. This amount does not include VA funding fee, private mortgage insurance, and other costs associated with owning a home. All examples are based on the information entered and are for illustrative purposes only. This is not an offer to lend.

Members must meet all VA eligibility requirements when applying for a VA loan. Speak with a USAA Bank Loan Officer to review current VA eligibility requirements.

VA IRRRL: All VA rules, guidelines and additional program requirements will apply. Except as provided by applicable VA guidelines, the same parties obligated on the original loan must be the parties on the title and obligated on the new loan. Proceeds from the new loan will only be used toward payment of the original loan amount. No cash back can be received from the new loan. Payment of discount points, taxes, insurance and HOA fees are the responsibility of the borrower. Other exclusions apply. Refinancing either to lower the monthly payment or change from a variable-rate to a fixed-rate loan could result in an increase in the total number of monthly payments and interest charges paid over the full term of the new loan.

USAA Bank Mortgage offers mortgage products to members where the property is located within the Continental United States, Alaska, Hawaii, and the District of Columbia. Excludes properties within U.S. Territories. In certain states, product restrictions may apply.

Membership eligibility and product restrictions apply and are subject to change.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank.

Home loans subject to credit and property approval.

USAA FSB NMLS 401058

6028938

MORTGAGE RATES

Interest rates to meet our member's needs

Our purchase rates

INTEREST

ANNUAL PERCENTAGE RATE (A P R)

POINTS

Take the next step in buying your new home.

Our refinance rates

INTEREST

ANNUAL PERCENTAGE RATE (A P R)

POINTS

Have questions? Or need to refinance?

Mortgage payment calculator

Estimated monthly payment

Mortgage rates frequently asked questions

Resources for homebuyers

Adjustable versus fixed-rate mortgages

Understanding mortgage interest rates and points

How to begin your homebuying journey

MORTGAGE RATES

Interest rates to meet our member's needs

Our purchase rates

Take the next step in buying your new home.

Our refinance rates

Have questions? Or need to refinance?

Mortgage payment calculator

Estimated monthly payment

Mortgage rates FAQ frequently asked questions

What's the difference between interest rates and APR Annual Percentage Rate?

What are mortgage points?

Does my credit score affect my mortgage rate?

How do I lock in my mortgage rate?

Resources for homebuyers

Adjustable versus fixed-rate mortgages

Understanding mortgage interest rates and points

How to begin your homebuying journey

Mortgage rates frequently asked questions