Sample sheet, September 19, 2026
Eleven products, rate and APR side by side
Every figure on this page is a sample for demonstration. Real pricing depends on credit score, loan-to-value, occupancy, property type and lock period, and it moves every business morning.
The sheet, with the assumptions attached
A rate without its assumptions is marketing. Ours are printed under the table, which is the only way to compare one quote against another.
Purchase and refinance
| Product | Rate | APR | P&I on $400,000 | Notes |
|---|---|---|---|---|
| 30 year fixed conventional | 6.125% | 6.284% | $2,430 | Conforming to $832,750 |
| 20 year fixed conventional | 5.875% | 6.061% | $2,838 | Lower lifetime interest, higher payment |
| 15 year fixed conventional | 5.375% | 5.612% | $3,240 | Roughly half the lifetime interest of a 30 |
| 7/6 ARM conventional | 5.750% | 6.402% | $2,334 | SOFR index, 2/1/5 caps, fixed 7 years |
| 30 year fixed jumbo | 6.250% | 6.331% | $2,463 | Above $832,750, no mortgage insurance |
| 5/6 ARM jumbo | 5.625% | 6.284% | $2,302 | Interest-only option available |
Government
| Product | Rate | APR | P&I on $400,000 | Notes |
|---|---|---|---|---|
| 30 year fixed FHA | 5.875% | 6.741% | $2,366 | APR carries 1.75% upfront and 0.55% annual MIP |
| 30 year fixed VA | 5.750% | 5.984% | $2,334 | No monthly mortgage insurance, funding fee applies |
| 30 year fixed USDA | 5.875% | 6.192% | $2,366 | 1.00% upfront and 0.35% annual guarantee fee |
Investor
| Product | Rate | APR | P&I on $400,000 | Notes |
|---|---|---|---|---|
| 30 year fixed DSCR | 7.375% | 7.612% | $2,763 | DSCR 1.20, 20% down, 5/4/3/2/1 prepay |
| 12 month bridge, interest only | 9.750% | 10.412% | $3,250 | Interest only, no prepayment penalty |
Swipe each table sideways to see every column.
Assumptions behind every row
- $400,000 loan amount on a single-family primary residence in Philadelphia County, unless the product line states otherwise
- 25% down payment (75% loan-to-value), 760 or higher representative credit score
- Zero discount points, 45-day rate lock, escrowed taxes and insurance
- APR includes origination, underwriting, credit, flood certification, tax service and applicable mortgage insurance premiums
- Investor products assume a 1.20 debt service coverage ratio and a 20% down payment
Sample figures requiring client approval. Every rate, APR and payment on this page is an illustration for a demonstration website. They are not a quote, not a lock, and not an offer or commitment to lend. Equal Housing Opportunity.
What a point costs, and the month it pays you back
Five pricing options on the same $400,000 loan. The break-even is simply the cost divided by the genuine monthly saving, and on this grid it lands at about five years either way.
Base case: $400,000 loan, 30 year fixed, par rate 6.125%, principal and interest $2,430.
- Lender creditLowest cash to close
6.375%
$2,495 / month
- Cost at closing
- $4,000 credit
- Versus par each month
- $65 more
- Break-even
- Credit now, $65 more each month
$4,000 received, $3,900 paid back by month 60
- Par pricing
6.125%
$2,430 / month
- Cost at closing
- None
- Versus par each month
- Baseline
- Break-even
- No cost, no buydown
Baseline for comparison
- Half point
6.000%
$2,398 / month
- Cost at closing
- $2,000
- Versus par each month
- $32 less
- Break-even
- 62 months
$1,920 saved against $2,000 paid
- One pointMost chosen
5.875%
$2,366 / month
- Cost at closing
- $4,000
- Versus par each month
- $64 less
- Break-even
- 62 months
$3,840 saved against $4,000 paid
- Two points
5.625%
$2,302 / month
- Cost at closing
- $8,000
- Versus par each month
- $128 less
- Break-even
- 63 months
$7,680 saved against $8,000 paid
Sample pricing, expires with the rate sheet. Buydown grids are republished each business morning and this one is an illustration for a demonstration site. It is not a quote, not a lock and not an offer to lend. Your own grid depends on credit score, loan-to-value, occupancy and lock period.
See the full rate sheetSix things that change your number
Credit score
Loan-level price adjustments step at 680, 700, 740 and 780. A 14-point rescore can be worth more than any negotiation.
Loan-to-value
Adjustments step at 60%, 70%, 75%, 80% and 85%. Landing at 80.5% instead of 80% costs real money.
Occupancy
Primary, second home and investment each price differently. Investment property adds 0.750% to 1.500% in points.
Property type
Condominiums above 75% loan-to-value carry an adjustment. Two to four unit properties carry another.
Lock period
30 days is base. 45 costs 0.125 points, 60 costs 0.250, 90 costs 0.500.
Points or credit
You can pay to lower the rate or take a higher rate for a credit toward costs. See the grid above.
Want pricing for your actual file?
Credit score, price, down payment and county. That is all it takes to replace these samples with something real.
No application fee. Soft credit pull at pre-qualification. Flat $1,095 origination at closing.
Licensed, approved and audited
- Equal Housing Opportunity lender
- In-house underwriting since 2009
- Licensed in PA, NJ, DE and MD
- Fannie Mae and Freddie Mac seller-servicer
- FHA, VA and USDA approved
- 4.9 from 1,284 closed-file surveys
Sample credentials for a demonstration site. NMLS identifiers are placeholders pending the client's licensing details.