Scenarios based on a Purchase transaction with 780 credit score, 25% down payment, a debt-to-income ratio of less than 40%. Rates and fees may vary and are based on credit history, down payment, property type, and other factors associated with your loan application. Loans with less than 20% down payment may require Private Mortgage Insurance. Rates are subject to change without notice based on market changes. Rates are based on a 30 day lock.