Rate disclosure: The rates shown are weekly national averages from the Freddie Mac Primary Mortgage Market Survey (PMMS) — they are not rates being offered to you, are not APRs, and are not an offer to extend credit. Your actual rate and APR depend on your credit score, loan amount, loan-to-value ratio, debt-to-income ratio, property type, occupancy, and other factors. APR includes interest plus certain fees (origination, discount points, mortgage insurance where applicable) and is typically higher than the note rate.
All loans, products, pricing, and terms are subject to eligibility and approval. Full disclosures and methodology.
Data sourced from U.S. Census Bureau American Community Survey 5-Year Estimates (2019–2023). Home values reflect self-reported survey estimates, not current market transaction prices. Tax rates are effective rates computed from median taxes paid ÷ median home value. Full methodology →
| Annual Income | Max Home Price | Est. Monthly (PITI) |
|---|
Estimate only — not an offer to extend credit. The "Est. Monthly" figures assume current PMMS 30-year average rate, ~28% front-end DTI, taxes and insurance using the city's effective property tax rate from the Census ACS dataset, and ~$1,400/yr homeowners insurance. Your actual maximum home price, payment, and APR will differ based on your credit profile, down payment, debts, and lender pricing.
All loans, products, pricing, and terms are subject to eligibility and approval. Full disclosures and methodology.
Loan Options Overview
Compare common mortgage programs available to homebuyers. Rates shown are current national averages adjusted by loan type.
Down payment assistance programs available through select lenders. Ask about eligibility during your personalized analysis.
Rates shown on each card are market averages, not APR. Your APR depends on individual loan terms, closing costs, and credit profile.
Estimate only — not an offer to extend credit. Rates shown on each loan-program card are current national averages adjusted by program (conventional rates from Freddie Mac PMMS; FHA and VA estimates sourced from Mortgage News Daily) and are not APRs. Down payment percentages shown are minimums commonly required by each program — actual minimums and pricing depend on the specific lender, your credit score, and the loan scenario. PMI on conventional loans typically cancels automatically at 80% LTV; FHA MIP generally lasts the life of the loan when the down payment is less than 10%.
All loans, products, pricing, and terms are subject to eligibility and approval. Full disclosures and methodology.
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You are not required to use any listed agent. Featured agents are local professionals — inclusion is not conditioned on referrals.
| City | Median Price | Est. Monthly (PITI) | Tax Rate |
|---|
Estimate only — not an offer to extend credit. "Est. Monthly" reflects principal and interest on the median home price at the current PMMS 30-year average rate assuming 20% down, plus an estimate for property taxes using the city's effective tax rate from the Census ACS dataset and ~$1,400/yr homeowners insurance. These figures are for relative comparison between cities, not personal quotes — your actual rate and APR will differ.
All loans, products, pricing, and terms are subject to eligibility and approval. Full disclosures and methodology.
Rate context — not a personal quote. Rate numbers shown in answers above are weekly national averages from Freddie Mac PMMS (and Mortgage News Daily for FHA and VA estimates). They are not APRs, not rate offers, and not specific to your situation. Your actual rate and APR depend on credit score, loan amount, down payment, property type, and other factors.
All loans, products, pricing, and terms are subject to eligibility and approval. Full disclosures and methodology.
Know Your Rights as a Homebuyer
Before working with any mortgage professional — including me — make sure you understand your rights and have access to unbiased resources.
Questions to Ask Any Loan Officer
Before you commit to working with anyone — including me — ask these questions:
- Are you a broker or a direct lender?Brokers shop multiple lenders; direct lenders offer only their own products.
- How are you compensated?Understand whether you're paying origination fees, lender credits, or yield spread premiums.
- Can I see a Loan Estimate before committing?By law, you're entitled to a Loan Estimate within 3 business days of applying.
- What are all the costs — not just the rate?Compare APR, closing costs, points, and total cost of the loan over time.
- Is there a prepayment penalty?Most modern loans don't have one, but always ask.
- What programs am I eligible for?FHA, VA, USDA, conventional, down payment assistance — a good LO explores all options.
- Can you explain this in my language?If you're more comfortable in Spanish (or any language), you deserve clear communication.
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Data Sources & Methodology
All figures are estimates for educational purposes. Actual rates, prices, and taxes may differ. For verified numbers specific to your situation, get a free personalized analysis.