Today’s par pricing for the advertised scenario, quoted at 10:45 AM Eastern.
These are the options closest to no net cost — where the lender credit roughly offsets our lender fee — rather than a bought-down number that looks better in a headline. Paying discount points buys the rate lower at a cost up front; taking a larger credit moves the rate up and reduces cash at closing. The APR beside each rate carries those costs, which is what makes the two comparable.
Your own rate depends on the price, your down payment, the property, how you’ll occupy it and your credit. Run your actual numbers through the calculator to see where you land.