Today's rates
Four ways to structure the same loan.
Buy or refinance, conventional, FHA, or VA. The lowest rate is not automatically the best deal, so see the real rate, cost, and break-even for each structure and pick the one that fits how long you will actually keep the loan.
Your scenario
MI, Lower my rate, Conventional, $550k value, 760 to 779
Your timeline
How long will you keep this loan?
This is the single biggest factor in which option wins. Drag it and watch the recommendation move.
A longer hold rewards paying points for a lower rate. A shorter hold favors keeping cash now with a lender credit. When you are unsure, the Balanced Option is the safe baseline.
Exploring an option sends your scenario to one licensed team. No hard credit pull, and nothing is shared with other companies.
Live rates publish during market hours, when wholesale lender rate sheets are active.
These four structures describe how rate, points, and lender credits trade off on the same conventional rate-and-term refinance in Michigan. Live numbers fill in during market hours.
Every rate is shown with its APR. Your rate and APR will differ based on your credit, property, occupancy, loan-to-value, and other factors. Payments shown are principal and interest only and exclude taxes, insurance, and HOA dues. Monthly differences and break-even estimates compare each option against the Balanced Option. Not all applicants qualify for every product. Rates change without notice. This is not an offer, a rate lock, or a commitment to lend, and all loans are subject to credit approval, underwriting, and program guidelines. Mortgage brokerage services provided by F5 Mortgage LLC, NMLS #1938115. Equal Housing Opportunity.
We compare options across a broad network of wholesale lenders. Your information stays with one licensed team and is not distributed to each lender shown.
- UWM
- Pennymac
- Newrez
- LoanDepot
- CMG
- PRMG
- Kind Lending
- Orion Lending
- Champions Funding
- EPM
- JMAC Lending
- Plaza Home
- Provident Funding
- REMN Wholesale
- Sierra Pacific
- Nations Direct
- Loanstream
- NexBank
- The Loan Store
- eLend (AFR)
- Cake Home
- A Mortgage Boutique
Read it fast
How to pick in 10 seconds
You do not need to read every card. Match the option to your timeline, and let the recommendation above do the math.
Keeping the loan a long time?
The buydown options earn their upfront cost back, then keep saving every month after break-even.
Plans uncertain?
The Balanced Option is the cleanest baseline and the easiest offer to compare against anything else.
Cash to close matters most?
Lower Closing Costs trades a slightly higher rate for real day-one savings. It is not free money.
Somewhere in between?
Lower Rate is the middle ground. Check its break-even against how long you plan to keep the loan.
Learn
Understand the trade-off
Every number on the cards rests on a few plain ideas. These short guides cover them.
See these numbers for your exact file.
These cards price a representative scenario close to yours. Send us the quote or Loan Estimate you already have, and a licensed team structures the real choices for your file, including telling you honestly if what you have is the one to keep.
No hard credit pull. No obligation.