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Featured Success Story

"We saved $379 per month on our dream home"

A San Francisco couple purchasing their $1.5 million home got their rate reduced from 6.125% to 5.625%. We also helped streamline their paperwork, making the entire process stress-free.

5.625%
Final Rate
→
$379/mo
Monthly Savings
0.5%
Rate Reduction
🏡
San Francisco Homebuyers
San Francisco, CA
Home Price$1,500,000
Down Payment20% ($300,000)
Loan Amount$1,200,000
Initial Rate Quoted6.125%
Total Lifetime Savings$136,440

Browse Real Mortgage Deals

Recent deals from California, New York, Texas, Colorado, and Washington

No hidden points. No inflated rates. Every deal shown is at par—honest comparisons only.

30-Year Fixed Rate

NY•Jul 22, 2025
6.125%APR 6.34%
Est. Monthly Payment$6,291
30 Fixed
$1,295,000 purchase • National Bank
Close Time
32 days
Credit Score
750+
Down Payment
20%
Property
Condo
First-Time Homebuyer Discount0%
Relationship Discount-0.25%
Loan Amount$1,036,000
TX•Jul 18, 2025
6.5%APR 6.72%
Est. Monthly Payment$3,767
30 Fixed
$745,000 purchase • National Bank
Close Time
18 days
Credit Score
750+
Down Payment
20%
Property
Single Family
First-Time Homebuyer Discount0%
Relationship Discount0%
Loan Amount$596,000
WA•Jun 25, 2025
6.25%APR 6.45%
Est. Monthly Payment$4,857
30 Fixed
$985,000 purchase • National Bank
Close Time
24 days
Credit Score
780+
Down Payment
20%
Property
Single Family
First-Time Homebuyer Discount0%
Relationship Discount0%
Loan Amount$788,000
CO•May 15, 2025
6%APR 6.28%
Est. Monthly Payment$2,038
30 Fixed
$425,000 purchase • Credit Union
Close Time
19 days
Credit Score
800+
Down Payment
20%
Property
Single Family
First-Time Homebuyer Discount0%
Relationship Discount0%
Loan Amount$340,000

7-Year ARM

TX•Jul 28, 2025
5.5%APR 5.74%
Est. Monthly Payment$2,248
7 ARM
$495,000 purchase • Credit Union
Close Time
22 days
Credit Score
750+
Down Payment
20%
Property
Single Family
First-Time Homebuyer Discount-0.125%
Relationship Discount0%
Loan Amount$396,000
NY•Jul 12, 2025
5.625%APR 5.82%
Est. Monthly Payment$8,987
7 ARM
$1,950,000 purchase • National Bank
Close Time
34 days
Credit Score
740+
Down Payment
20%
Property
Single Family
First-Time Homebuyer Discount0%
Relationship Discount0%
Loan Amount$1,560,000
WA•Jun 30, 2025
5.625%APR 5.84%
Est. Monthly Payment$3,340
7 ARM
$725,000 purchase • National Bank
Close Time
20 days
Credit Score
720+
Down Payment
20%
Property
Single Family
First-Time Homebuyer Discount0%
Relationship Discount0%
Loan Amount$580,000
CA•Aug 28, 2025
5.25%APR 5.43%
Est. Monthly Payment$14,757
7 ARM
$3,150,000 purchase • National Bank
Close Time
28 days
Credit Score
800+
Down Payment
15%
Property
Single Family
First-Time Homebuyer Discount0%
Relationship Discount0%
Loan Amount$2,677,500

5-Year ARM

CA•Jul 8, 2025
5.125%APR 5.33%
Est. Monthly Payment$3,595
5 ARM
$825,000 purchase • National Bank
Close Time
23 days
Credit Score
740+
Down Payment
20%
Property
Condo
First-Time Homebuyer Discount0%
Relationship Discount-0.25%
Loan Amount$660,000
TX•Jun 20, 2025
5.375%APR 5.52%
Est. Monthly Payment$7,841
5 ARM
$1,475,000 purchase • National Bank
Close Time
17 days
Credit Score
780+
Down Payment
5%
Property
Single Family
First-Time Homebuyer Discount0%
Relationship Discount-0.125%
Loan Amount$1,401,250
CO•May 28, 2025
5%APR 5.24%
Est. Monthly Payment$2,427
5 ARM
$565,000 purchase • Credit Union
Close Time
21 days
Credit Score
750+
Down Payment
20%
Property
Single Family
First-Time Homebuyer Discount0%
Relationship Discount0%
Loan Amount$452,000
NY•Aug 15, 2025
5.625%APR 5.83%
Est. Monthly Payment$5,184
5 ARM
$1,125,000 purchase • National Bank
Close Time
31 days
Credit Score
800+
Down Payment
20%
Property
Condo
First-Time Homebuyer Discount0%
Relationship Discount0%
Loan Amount$900,000

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Disclaimer: Approval AI is not a mortgage lender or broker and does not originate, negotiate, or make loans. The mortgage rates, APRs, loan amounts, discount points, credit scores, closing times, and down payments shown here are anonymized historical data from customer-provided loan estimates over the past 3 months. This information is provided for informational purposes only and does not constitute an offer, solicitation, or guarantee of any mortgage terms. Actual rates and terms available to you will vary based on your individual circumstances, credit profile, and market conditions, and may differ significantly from the figures shown. This data does not reflect current market rates and should not be relied upon as a basis for any financial decision. Approval AI does not endorse or recommend any specific lender. All loans are subject to lender approval and applicable terms.