{"publisher":"RateVerdict","state":"Pennsylvania","page":"https://rateverdict.com/mortgage-rates/pennsylvania","methodology":"https://rateverdict.com/methodology","license":"https://rateverdict.com/terms","scenario":"$400,000 30-year fixed refinance with 780 or higher credit, Pennsylvania property","notice":"Priced for one named scenario from live lender rate sheets. Not a rate lock or an offer to lend.","payments":"Monthly payments shown are principal and interest only, for 360 monthly payments on a $400,000 loan at the rate shown. They do not include taxes, homeowners insurance or mortgage insurance, so the actual monthly payment will be greater.","pricedOn":"2026-11-04","pricedAt":"2026-11-04T17:25:58.48+00:00","rows":[{"rate":6.125,"apr":6.376,"points":1.941,"pointsDollars":7764,"monthlyPI":2430},{"rate":6.25,"apr":6.46,"points":1.452,"pointsDollars":5808,"monthlyPI":2463},{"rate":6.375,"apr":6.522,"points":0.741,"pointsDollars":2964,"monthlyPI":2495},{"rate":6.5,"apr":6.598,"points":0.186,"pointsDollars":744,"monthlyPI":2528},{"rate":6.625,"apr":6.708,"points":-0.356,"pointsDollars":-1424,"monthlyPI":2561},{"rate":6.75,"apr":6.836,"points":-0.791,"pointsDollars":-3164,"monthlyPI":2594},{"rate":6.875,"apr":6.963,"points":-1.363,"pointsDollars":-5452,"monthlyPI":2628},{"rate":7,"apr":7.09,"points":-1.8,"pointsDollars":-7200,"monthlyPI":2661},{"rate":7.125,"apr":7.216,"points":-2.223,"pointsDollars":-8892,"monthlyPI":2695},{"rate":7.375,"apr":7.469,"points":-2.658,"pointsDollars":-10632,"monthlyPI":2763},{"rate":7.5,"apr":7.596,"points":-3.123,"pointsDollars":-12492,"monthlyPI":2797},{"rate":7.75,"apr":7.775,"points":-3.25,"pointsDollars":-13000,"monthlyPI":2866}]}