Rates
See your actual rate options, not an average.
Published “average rates” are close to useless for deciding anything — your rate depends on the price, your down payment, the property type, how you'll occupy it and your credit. The calculator prices your scenario against live wholesale pricing.
No credit pull. No name, email or phone required to see rates. North Carolina property only.
Today's rates
Priced October 1, 2026 at 10:45 AM EDT
- 30-year fixed7.250%Rate7.348%APR0.035Points
- 15-year fixed6.500%Rate6.689%APR0.313Points
- FHA 30-year fixed6.750%Rate7.637%APR0.119Points
Based on a $500,000 purchase with 20% down ($400,000 loan amount), credit score over 780, 30-day rate lock, primary residence, single family dwelling. Each rate shown is bought down with discount points paid at closing — one point is 1% of the loan amount. The points change daily with the market, and the APR beside each rate already includes them.
Get your custom quoteRates are subject to change without notice and are available only in North Carolina. This is not a guarantee of credit or an offer to lend. Your rate depends on your credit, the property and the loan you choose. Triangle Mortgage LLC, NMLS #1725415.
How these have moved
Historical figures, not current offers. See every day with points and APR.
What you'll get back
Not a single teaser number — a ladder of options, so you can see what a lower rate actually costs.
Rate and APR together
Every option shows both. The rate sets your principal-and-interest payment; the APR folds in the finance charges so two offers with different fee structures can be compared honestly.
The points trade-off
A lower rate costs more at closing in discount points; a higher rate can carry a lender credit that cuts your cash to close. Which one wins depends on how long you keep the loan — so you get to see the whole ladder rather than one pre-picked row.
Payment detail
Principal and interest, mortgage insurance where it applies, points and lender fees — itemized, with a worksheet you can download.
What the calculator prices
Three programs are priced instantly: 30-year fixed conventional, 15-year fixed conventional andFHA 30-year fixed — for both purchase and refinance, including cash-out.
We also originate VA, USDA andjumbo loans. Those aren't in the instant tool, so call (919) 390-1775 and we'll price them directly.
How current are these rates?
Each quote is priced at the moment you request it and stamped with the time. Mortgage pricing can move more than once in a business day, so a quote from yesterday isn't a quote for today. Rates are not locked until you have a complete application and we lock them with the lender.
Rate quotes are estimates based on the information you provide and are not a commitment to lend. Actual terms depend on a complete application, verified income and assets, an appraisal and underwriting approval. Triangle Mortgage lends on North Carolina property only. NMLS #1725415.
See what you'd actually pay
Real rate options for your situation in about two minutes. No credit pull, no obligation, and no contact details needed to look.