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10 Year Mortgage Rates

A shorter term and lower interest rate can help you be mortgage-free faster while saving lots of money in interest.

Yes, you can be mortgage-free after 10 years!

  • Historically low fixed 10-year mortgage rates
  • No Star One loan-related closing costs
  • More home equity in a shorter amount of time

(Primary residences and second [vacation] homes only)

A mortgage with a shorter term and lower rate can help you be mortgage-free faster while saving lots of money in interest.

10-year mortgage rates and refinance

Get the same great rate for a purchase or refinance mortgage

10-year mortgage*

Conforming to $970,800**, fixed rate

3.625

%

(3.688% APR)

10-year mortgage*

Jumbo***, fixed rate

3.625

%

(3.688% APR)


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Compare 10-year mortgage and 30-year mortgage

Purchase or refinance mortgage

Today's mortgage rate for a 10-year fixed-rate mortgage for purchase or refinance, conforming to $970,800**, is 3.625% (3.688% APR).

In comparison, our 30-year fixed-rate mortgage for purchase or refinance, conforming to $970,800**, is currently at 4.500% (4.585% APR).

Disclosures

* Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 3.688% APR—120 monthly payments at $2,984.70; 15-year mortgage at 3.936% APR—180 monthly payments at $2,199.60; 20-year mortgage at 4.175% APR—240 monthly payments at $1,837.50; and 30-year mortgage at 4.540% APR—360 monthly payments at $1,520.10. Loan payments do not include taxes and insurance.

** In most of the country, the maximum conforming loan limit for one-unit properties is $647,200. In "high-cost" areas, the maximum conforming limit may be up to $970,800. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.

*** The Jumbo Loan limit is any amount greater than $647,200 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $647,200 conforming limit up to $970,800 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).