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Mortgage Education

What are closing costs?

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Other Useful Information
Closing costs consist of three main groups: third party
costs, mortgage taxes & lender fees.


  • Third party costs are fees that you or the lender pays on your behalf for you to obtain a mortgage, including appraisal fee, credit report fee, title fee and attorney fee. When home refinancing review these costs carefully as some lenders may have lower costs.
  • Mortgage taxes will be exactly the same between all lenders, so they do not have to be reviewed.
  • Points and lender fees are essentially what the lender charges to originate your home loan when home refinancing and for a new home loan. Points and fees should be reviewed carefully.

Mortgage Rate Quotes

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No Personal Info Required.

Today's Mortgage Rates

Loans up to $417,000 Rate* APR* Points*
30 Year Fixed 3.750 4.036 3.236
15 Year Fixed 2.625 3.220 3.890
7 Year ARM 2.500 2.945 3.747
5 Year ARM 2.125 2.870 4.082
3 Year ARM 2.500 3.018 3.902
FHA Rates Rate* APR* Points*
30 Year Fixed 3.250 4.430 1.690
15 Year Fixed 2.750 3.668 1.530
Veteran Loan Rates Rate* APR* Points*
30 Year Fixed 3.250 3.538 1.940
15 Year Fixed 2.750 3.225 1.653
USDA Rates Rate* APR* Points*
30 Year Fixed 3.250 3.881 2.469
*Rate/APR/Points for $260K loan, Massachusetts property, 740 FICO, 80% LTV, Rates effective 07/30/2014.
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