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Today's purchase mortgage rates

30-yr fixed · purchaseLive
Rate
6.375%
APR
6.400%
Points
0.32
($1,395)
Price my purchase

Sample scenario: $550,000 purchase, 20% down ($440,000 loan), 760 FICO, single-family primary home, 30-day lock. Your rate depends on your file; we quote it exactly before you commit to anything. Priced as of August 28, 2026 09:38 AM.

  • $0 lender fees on every loan
  • 20-day average close
  • 40+ lenders compete on your file

Checked against the national average daily

As of August 28, 2026, our 30-year rate is 0.43% under the national average (6.81% average vs our 6.375%, 6.40% APR), worth about $126 a month on a $440,000 example and roughly $45,000 across the loan's term, principal and interest.

See the live comparison board

Why HomePilot

Purchase loans, the wholesale way.

Wholesale pricing, passed through

Our lender partners give us pricing they don't offer consumers directly. We pass that savings straight to you instead of stacking margin on top.

$0 lender fees

No origination, no processing, no underwriting fees from us. Third-party costs like appraisal and title still exist, and we show them up front.

40+ lenders on one application

One file, priced across our wholesale lenders. The cheapest eligible lender wins your loan; nobody has a single retail price to defend.

20-day average close

Purchases have averaged about 20 days from accepted offer to closing. Thirty days or less is the standard we run the file to.

First-time buyer credits, checked automatically

Income-based pricing credits can knock real money off closing costs when your file is eligible. We check every program before we quote.

Lock at acceptance

When your offer is accepted, we lock. You see the rate, APR, and point cost in writing before anything is final.

How people use it

Three ways this plays out.

Still shopping open houses

Get pre-approved first. Sellers take offers with solid pre-approvals seriously, and you'll know your real monthly payment before you fall for a house.

Already have a quote from another lender

Send us the Loan Estimate. We price the same file across our lenders the same day, line by line, and the $500 guarantee backs the comparison.

Payment feels tight

We quote zero-point and buydown versions of the same loan side by side, plus seller-credit strategies that can buy the rate down without more cash from you.

Price my purchase

The $500 Best Price Guarantee

Buying a home is the biggest check you'll ever write. Make every lender compete for it.

If we can't beat your combination of interest rate, lender fees, and monthly mortgage insurance on an eligible offer, we'll pay you $500 after you close with the other lender.

Eligible offers, terms apply. Read the full terms

Send us your quote

Questions

Purchase loan questions, answered straight.

Conventional loans start at 3% down for eligible buyers, and 5% to 20% is the common range. Under 20% adds mortgage insurance, which we price into every quote so you compare true monthly costs, not just rates.

Ready when you are.

Sixty seconds to your live quote. No Social Security number, no hard credit pull, no sales calls you didn’t ask for.

Price my purchase