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30 - Year Fixed
Rate APR
6.490% 6.681%
Points (cost)
1.961 ($5,392.75)
3% min down payment
Lower payments due to longer term
30 - Year FHA
Rate APR
6.250% 6.905%
Points (cost)
1.316 ($3,619.00)
3.5% min down payment
Looser credit/debt requirements
30-Year VA
Rate APR
6.000% 6.292%
Points (cost)
1.824 ($5,016.00)
0% down payment
No private mortgage insurance
15-Year Fixed
Rate APR
6.000% 6.269%
Points (cost)
1.701 ($4,677.75)
5% min down payment
Pay less interest due to shorter term