# FreeRateUpdate As Low As Mortgage & Home Equity Rates

As Low As Rates — the best rates and APRs we can verify being offered by lenders and brokers in the FreeRateUpdate network.

As of: 2026-10-14 09:43 AM EDT. Example scenario: PA 19060, credit score 750.

| Purpose | Product | Rate | APR | Points | Credit score | Loan amount | Existing balance | Property value | LTV / CLTV | Term (months) |
|---|---|---|---|---|---|---|---|---|---|---|
| heloc | heloc | 6.450% | 6.450% |  | 780 | $50,000 | $500,000 | $925,000 | 59.5% CLTV |  |
| home_equity | home_equity | 7.500% | 8.195% |  | 750 | $50,000 | $500,000 | $925,000 | 59.5% CLTV | 120 |
| cash_out | 10yr_fixed | 5.750% | 6.011% | 0.866 | 750 | $550,000 |  | $925,000 | 59.5% | 120 |
| cash_out | 15yr_fixed | 5.873% | 6.179% | 1.573 | 750 | $550,000 |  | $925,000 | 59.5% | 180 |
| cash_out | 20yr_fixed | 6.375% | 6.609% | 1.523 | 750 | $550,000 |  | $925,000 | 59.5% | 240 |
| cash_out | 30yr_fixed | 6.498% | 6.654% | 1.235 | 750 | $550,000 |  | $925,000 | 59.5% | 360 |
| cash_out | va | 6.250% | 6.753% | 1.800 | 750 | $550,000 |  | $925,000 | 59.5% | 360 |
| cash_out | va_15yr | 5.625% | 6.440% | 1.78 | 750 | $550,000 |  | $925,000 | 59.5% | 180 |
| refinance | 10yr_fixed | 5.750% | 5.927% | 0.491 | 750 | $550,000 |  | $925,000 | 59.5% | 120 |
| refinance | 15yr_fixed | 5.750% | 6.091% | 1.855 | 750 | $550,000 |  | $925,000 | 59.5% | 180 |
| refinance | 20yr_fixed | 6.250% | 6.510% | 1.733 | 750 | $550,000 |  | $925,000 | 59.5% | 240 |
| refinance | 30yr_fixed | 6.373% | 6.599% | 1.961 | 750 | $550,000 |  | $925,000 | 59.5% | 360 |
| refinance | fha_15yr | 5.490% | 6.280% | 1.693 | 750 | $550,000 |  | $925,000 | 59.5% | 180 |
| refinance | jumbo | 6.750% | 6.935% | 1.627 | 750 | $932,750 |  | $1,165,938 | 80% | 360 |
| purchase | 30yr_fixed | 6.374% | 6.563% | 1.586 | 750 | $550,000 |  | $925,000 | 59.5% | 360 |
| purchase | 20yr_fixed | 6.250% | 6.501% | 1.752 | 750 | $550,000 |  | $925,000 | 59.5% | 240 |
| purchase | 15yr_fixed | 5.749% | 6.053% | 1.570 | 750 | $550,000 |  | $925,000 | 59.5% | 180 |
| purchase | 10yr_fixed | 5.625% | 6.024% | 1.388 | 750 | $550,000 |  | $925,000 | 59.5% | 120 |
| purchase | fha | 6.250% | 7.032% | 2.000 | 750 | $550,000 |  | $925,000 | 59.5% | 360 |
| purchase | va | 6.250% | 6.512% | 1.470 | 750 | $550,000 |  | $925,000 | 59.5% | 360 |
| purchase | va_15yr | 5.500% | 5.988% | 1.863 | 750 | $550,000 |  | $925,000 | 59.5% | 180 |
| purchase | jumbo | 6.625% | 6.830% | 1.837 | 750 | $932,750 |  | $1,165,938 | 80% | 360 |
| purchase | 15yr_jumbo | 5.750% | 6.017% | 1.487 | 750 | $932,750 |  | $1,165,938 | 80% | 180 |

Each rate is an advertised rate for the example scenario shown with it. It is not a quote or an offer of credit, and a person's own rate depends on their details.

How sourced: The lowest rate and corresponding APR we can currently verify a lender or broker in FreeRateUpdate's network is actually offering, sourced from our network's own daily advertised-rate snapshots. Each published set is a reviewed revision; as_of is when it took effect.

Get matched with lenders: https://www.freerateupdate.com/mortgage-home-equity-for-ai-agents. Data: FreeRateUpdate (freerateupdate.com). Attribution required.