Carrington Mortgage Services, LLC Mortgage Rates

* Rates shown are for purchase loans only. This information is accurate as of 7/31/2025 1:27 PM (PDT) and is subject to change without notice. Annual Percentage Rate (APR) is the is the cost of credit over the term of the loan expressed as an annual rate.  Loan terms may vary and a 30-year term = 360 monthly payments. Mortgage rates displayed are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. The loan’s interest rate will depend upon the specific characteristics of a specific loan transaction and borrower’s credit profile up to the time of closing. Purchase loans may require income verification, new appraisal and new credit report.

State and county maximum loan amount restrictions may apply. Mortgage interest rates and payments displayed are for a single-family, primary residence, 30 year fixed term purchase loan and are based on a rate lock period of 45 days. The payment examples listed do not include taxes or insurance fees;

Conventional 30 Year:  Rate displayed in the table includes approximately 1.9 discount points and are based on the following assumptions: Purchase price of $400,000 loan amount of $285,000, with a down payment of 30%, credit score of 760 or higher and 360 monthly principal and interest payments of $1,801.

FHA 30 Year: Rate displayed in the table includes approximately 1.9 discount points and are based on the following assumptions: Purchase price of $400,000 loan amount of $360,000 with a down payment of 10% and credit score of 740 or higher and 360 monthly principal and interest payments of $2,196. FHA loans require both an upfront and an annual mortgage insurance premium.

VA 30 Year: Rate displayed in the table includes approximately 1.9 discount points and are based on the following assumptions: Purchase price of $400,000, loan amount of $400,000 with a down payment of 0%, and credit score of 740 or higher and 360 monthly principal and interest payments of $2,357. VA loans require an upfront VA Funding Fee.

USDA 30 Year: Rate displayed in the table includes approximately 1.9 discount points and are based on the following assumptions: Purchase 350,000 loan amount of $350,000 with a down payment of 0%, and credit score of 740 or higher and 360  monthly principal and interest payments of $2,148. USDA loans require both an upfront and an annual Guarantee Fee.