Check out Today's Rates

You're counting on us to help you reach the next milestone in your life. That is why we do everything we can to make you feel comfortable and confident along the way. Below are today's current lowest possible mortgage rates. Let us help you get into your new home.

Mortgage Loan Product

Interest Rate


OnPoint 10/1 Adjustable Rate Mortgage6.250%6.418%
OnPoint 7/1 Adjustable Rate Mortgage6.125%6.291%
OnPoint 5/5 Adjustable Rate Mortgage6.000%6.165%
Construction-To-Permanent Loan6.000%6.126%
15 Year Fixed Rate6.375%
30 Year Fixed Rate6.625%6.799%
15 Year First Time Home Buyer6.625%6.748%
30 Year First Time Home Buyer6.625%6.700%
Jumbo Mortgage6.500%6.532%
Rural Development6.625%6.836%
VA Mortgage Loan6.625%6.675%
10 Year Rapid Refi7.125%7.234%
15 Year Rapid Refi7.375%7.455%

Rates effective as of July 12, 2024.

All rates are subject to change.
All rates quoted are listed in percent.
Payment Example:
Mortgage Loan: $100,000 borrowed for 360 months (30 years) with an APR of 6.00% would have a monthly payment of $599.55.
The payment example does not include amounts for taxes and insurance premium, if applicable, and that the actual payment obligation will be greater.
The terms listed are the maximum term available for qualified borrowers.

*APR = Annual Percentage Rate

**Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower’s credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Home Mortgage. Other conditions may apply.