F5 Mortgage LLC · NMLS #1938115 · Equal Housing Opportunity
Rate disclosures. Rates shown on this site are estimated wholesale pricing for a representative scenario: a 30-year fixed refinance on a $400,000 loan for a primary residence with excellent credit. The headline figure on the home page is priced once each weekday at 12:00 PM Eastern and held until the next run, and it is shown with the date it was priced; outside of business days it shows the most recent weekday run, dated. The scenario pricer and the refinance verdict tool price live each time you press Update, and your inputs are rounded to standard pricing buckets, so the figures describe a scenario close to yours rather than your exact file. APR is shown beside every rate and is estimated including typical third-party costs. Monthly figures are principal and interest only and exclude property taxes, homeowners insurance, mortgage insurance, and HOA dues, so your full payment will be higher. Upfront cost is the discount points for that structure, shown in dollars; most refinance clients roll points into the loan rather than paying them at closing, which changes the balance rather than the cash needed. Break-even and monthly differences compare an option against the Balanced Option and are not the overall refinance break-even. “National average” is the Freddie Mac Primary Mortgage Market Survey weekly 30-year average, used for context only. Refinance verdicts estimate closing costs and any escrow refund and compare a new 30-year term against the years remaining on your current loan, so a longer term can lower the monthly payment while increasing total interest; actual costs come from your Loan Estimate. Not all applicants qualify for every product and 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. Your rate depends on your full file.
Consent to contact. By submitting your name, email, and phone number you agree that F5 Mortgage LLC may contact you about your request by phone, text, and email, including by automated means, at the number and address provided. Consent is not a condition of any purchase. Message and data rates may apply; reply STOP to opt out of texts. No hard credit pull is performed to review your options.
RateVerdict is the mortgage-shopping platform of F5 Mortgage LLC, Traverse City, MI. Licensed in California, Colorado, Florida, Georgia, Michigan, Ohio, Pennsylvania, South Carolina, Texas, Virginia. Not available in other states. NMLS Consumer Access. Reviews and comparisons are estimates based on the information you provide and are not a loan approval, rate lock, commitment to lend, or financial advice. All loans are subject to credit approval, underwriting, and program guidelines. Your information is handled by one licensed team and is never sold to competing lenders. See our Privacy Policy, Terms of Use, and Licensing.
© 2026 F5 Mortgage LLC dba RateVerdict. All rights reserved.