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Harbor Lending
HomeRatesLoan programsClosing costsLicensing
Today's mortgage rates

Fixed and adjustable rates for buying or refinancing a home. Rates as of November 7, 2026, 9:00 AM Eastern.

Loan	Interest rate	APR	Points	Monthly principal and interest
30-year fixed	6.250%	6.412%	0.500	$2,155
15-year fixed	5.500%	5.774%	0.500	$2,860
5/6 adjustable	5.875%	6.690%	0.250	$2,070
30-year FHA	5.990%	6.850%	0.000	$2,096
How these rates are calculated

Rates assume a $350,000 loan amount, a purchase of a single-family primary residence, a loan-to-value ratio of 80 percent, a credit score of 740 or higher, and a 45-day lock. Payments do not include taxes and insurance, so your actual payment will be higher.

The rate on the 5/6 adjustable loan is fixed for five years, then can change every six months. After the fixed period the rate and payment can increase. Rates can change daily without notice, and not every applicant will qualify.

Fees to expect
Origination fee: 0.50 percent of the loan amount
Appraisal: $550
Credit report: $65
Third-party closing costs vary by state and property
Ready to apply?

Speak with a licensed loan officer at (555) 010-0142, Monday to Friday, 8:00 AM to 6:00 PM Eastern.

Harbor Lending, 100 Example Street, Anytown, US. NMLS ID 0000000 (sample number). Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit and property approval.

Sample page of a fictional company, made by ProofSnap to show an evidence package. Not an offer, and not a real business.