Smarter mortgage decisions

Lenders in the 10 largest states advertised HELOC starting rates of about 6.00% to 7.25% APR in November 2026. See each lender, date and assumptions.

Income limits for each state's main first-time home buyer program, with the rule, an example limit and a link to the agency's own limits page, as of November 2026.

The 5-year ARM averaged 6.222% vs. 7.201% for a 30-year fixed on Nov. 10, 2026, a 0.979-point gap worth $259.83 a month on a $400,000 loan.

Estimated 30-year cash-out refinance rates by credit score band and loan-to-value, using Fannie Mae's cash-out LLPA grid and the Nov. 10, 2026 average refinance rate.

Estimated 30-year conventional refinance rates and payments by credit score band, using Fannie Mae's limited cash-out refinance LLPAs and the Nov. 10, 2026 average rate.

Today's mortgage rates by state, with the national 30-year average (7.201% on Nov. 10, 2026) and why Fannie Mae and Freddie Mac loans cost about the same everywhere.

Published one-time close construction rates of 7.125% to 7.375% in November 2026, compared with a 7.201% conventional average, plus FHA, VA, USDA and Fannie Mae program rules.

How much more a conventional condo mortgage costs than a single-family loan, using Fannie Mae's condo LLPA and the Nov. 10, 2026 average rate.