Smarter mortgage decisions

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.

Published DSCR minimums, credit scores, LTV limits, prepayment penalties and rates from seven lenders' own sites, compared with the 7.201% conventional 30-year average on Nov. 10, 2026.