Sample scenarios · anchored to today's national average
honest numbers, not "starting at."
Our sample scenario below is anchored to today's national OBMMI index and adjusted for illustrative points and APR. Your actual quote depends on credit, loan-to-value, property type, and how hard we shop it — which is our job, not yours.
today's pricing →
30-year fixed
Same rate applies to purchase & refinance
Sample scenario: $400,000 loan, 740 credit score, single-family primary residence, 30-day lock. APR includes typical closing costs.
| Points | Rate | APR | Est. payment / $100k | |
|---|---|---|---|---|
| 0.000 | 6.631% | 6.718% | $641/mo | Quote this → |
| 0.500 | 6.381% | 6.495% | $625/mo | Quote this → |
| 1.000 | 6.131% | 6.284% | $609/mo | Quote this → |
| 1.500 | 5.881% | 6.073% | $593/mo | Quote this → |
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Points are an upfront fee to get a lower rate. One point equals 1% of the loan amount, paid at closing. Paying points makes sense when you plan to keep the loan long enough to earn back the upfront cost — usually 4 to 7 years. We'll do the break-even math with you before you decide.
National averageToday's OBMMI 30-yr conforming: 6.631%. This is the industry benchmark our sample scenario table above is anchored to — not an independent live feed of our own wholesale pricing. Source: Optimal Blue OBMMI, updated July 23, 2026.
Rates change daily.
Markets move. Your rate is locked when we send a formal lock request, not before.Your file matters.
Credit score, LTV, property type, occupancy, and reserves all shift pricing.We shop, not walk.
One phone call = 40+ wholesale lenders competing on your file at once.