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Real Mortgage Rates

Transparent sample scenarios based on wholesale lenders.

See sample rates across our most popular loan programs

These sample rates reflect real wholesale pricing from 100+ lenders. Your actual rate may be lower once we run your full scenario.

Model scenario: $350,000 loan amount, 760 FICO, 75% LTV primary residence (unless noted), 30-year term, 2.000 discount points. Taxes & insurance not included. Jumbo & DSCR assume 70% LTV; DSCR includes a 5-year prepayment penalty and 1.25 DSCR ratio.

Rates updated weekly · Last updated: Nov 29, 2025

Refinance rates typically mirror purchase rates.
Pricing for standard rate-and-term refinances is usually very similar to purchase scenarios. Your exact refi rate may differ based on your current loan, equity, and lender LLPAs.

*Monthly payment examples are for principal & interest only and do not include taxes, insurance, or HOA dues. These are sample scenarios for comparison only and not a commitment to lend. Rates vary based on credit, income, property, loan amount, and lender pricing. For your exact rate, request a custom quote from BoniFi Capital.

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BoniFi Capital is a mortgage brokerage. All loans arranged through third-party lenders. Rates and terms subject to change.

Not all programs available in all states.
Currently serving PA, FL, and DSCR investors nationwide in 40+ states.

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