Current rates
Today's DC mortgage rates
Rate examples by loan program. Your rate depends on credit, loan amount, occupancy, and program eligibility.
Rates as of October 6, 2026. Rates are subject to change without notice.
Fixed-Rate Mortgages
| Product | Type | Rate | APR | Points (cost) | Assumptions |
|---|---|---|---|---|---|
| 15-Year Fixed Conventional | Purchase | 6.375% | 6.674% | 1.626($8,455) | Credit: 780+ LTV: ≤75% Loan: $520,000 Primary residence Single-family Lock: 30 days |
| 15-Year Fixed Conventional | Refinance | 6.375% | 6.674% | 1.626($8,455) | Credit: 780+ LTV: ≤75% Loan: $520,000 Primary residence Single-family Lock: 30 days |
| 30-Year Fixed FHA | Purchase | 6.500% | 7.433% | 1.764($7,179) | Credit: 740+ LTV: ≤96.5% Loan: $400,000 Primary residence Single-family Lock: 30 days |
| 15-Year Fixed Conventional | Cash-out refinance | 6.875% | 7.124% | 1.299($6,755) | Credit: 780+ LTV: ≤75% Loan: $520,000 Primary residence Single-family Lock: 30 days |
| 30-Year Fixed Conventional | Purchase | 7.125% | 7.290% | 1.393($7,244) | Credit: 780+ LTV: ≤75% Loan: $520,000 Primary residence Single-family Lock: 30 days |
| 30-Year Fixed Conventional | Refinance | 7.125% | 7.303% | 1.518($7,894) | Credit: 780+ LTV: ≤75% Loan: $520,000 Primary residence Single-family Lock: 30 days |
| 30-Year Fixed Conventional | Cash-out refinance | 7.299% | 7.496% | 1.683($8,752) | Credit: 780+ LTV: ≤75% Loan: $520,000 Primary residence Single-family Lock: 30 days |
| 30-Year Fixed Home Equity Loan | Second mortgage | 7.375% | 7.681% | 1.701($1,701) | Credit: 780+ CLTV: ≤70% Loan: $100,000 DTI: ≤40% Primary residence Single-family Lock: 30 days |
Rates shown are priced with the discount points listed in the “Points (cost)” column; standard closing costs also apply. A higher rate with no discount points may be available — ask for a side-by-side comparison. Final terms are shown on your Loan Estimate.
- FHA: Includes the 1.75% upfront FHA mortgage insurance premium, financed into the loan, and annual FHA mortgage insurance of 0.55% for the life of the loan; both are included in the APR.
- Home Equity Loan: Fixed-rate home equity loan (second lien).
Repayment examples
| Program | Rate | Pts | Down / LTV | Loan amount | Monthly payment | APR |
|---|---|---|---|---|---|---|
| 15-Year Fixed ConventionalPurchase | 6.375% | 1.626 | 25% down | $520,000 | $4,494 | 6.674% |
| 15-Year Fixed ConventionalRefinance | 6.375% | 1.626 | ≤75% LTV | $520,000 | $4,494 | 6.674% |
| 30-Year Fixed FHAPurchase | 6.500% | 1.764 | 3.5% down | $400,000financed $407,000 | $2,573plus FHA mortgage insurance | 7.433% |
| 15-Year Fixed ConventionalCash-out refinance | 6.875% | 1.299 | ≤75% LTV | $520,000 | $4,638 | 7.124% |
| 30-Year Fixed ConventionalPurchase | 7.125% | 1.393 | 25% down | $520,000 | $3,503 | 7.290% |
| 30-Year Fixed ConventionalRefinance | 7.125% | 1.518 | ≤75% LTV | $520,000 | $3,503 | 7.303% |
| 30-Year Fixed ConventionalCash-out refinance | 7.299% | 1.683 | ≤75% LTV | $520,000 | $3,565 | 7.496% |
| 30-Year Fixed Home Equity LoanSecond mortgage | 7.375% | 1.701 | ≤70% CLTV | $100,000 | $691 | 7.681% |
Payments shown are principal and interest, the same amount for every payment over the full term: 360 payments on a 30-year loan, 180 on a 15-year loan. They do not include property taxes, homeowners insurance, or HOA dues, so your actual monthly payment will be higher. Conventional examples assume at least 20% equity, so no mortgage insurance applies.
FHA payments shown do not include FHA mortgage insurance, so the actual FHA payment will be higher. FHA examples include the 1.75% upfront FHA mortgage insurance premium, financed into the loan. FHA charges monthly mortgage insurance for the life of the loan when the down payment is under 10%, and for 11 years when it is 10% or more.
This home equity loan is a second mortgage: your current mortgage stays in place, and this payment is in addition to your current mortgage payment. CLTV (combined loan-to-value) is the total of every loan secured by your home, including this one, as a percent of the home's value. The rate assumes a DTI (debt-to-income ratio: your monthly debt payments, including this one, as a percent of your gross monthly income) of 40% or less.
Annual Percentage Rate (APR) is the cost of your credit as a yearly rate. The APRs shown include the interest rate, the discount points shown and the lender's underwriting fee; FHA APRs also include FHA mortgage insurance. APR is typically higher than the interest rate. Compare APRs to compare the total cost of different loan offers.
Rates shown are current rate examples priced for the borrower assumptions listed under each product. They are not offers of credit and may not be available to you. Your actual rate depends on your credit profile, loan amount, loan-to-value ratio, occupancy, property type, debt-to-income ratio, and current market conditions at the time of lock.
District Mortgage is an independent, licensed brokerage. We're paid by either the lender or you — never both on the same loan. On most loans the lender pays us and our compensation is built into the rate and APR shown. You can instead choose to pay us directly: the rate then has no compensation built in, and our fee is itemized on your Loan Estimate. We'll walk you through both options before you lock.
This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Not all products are available for all loan amounts. Other restrictions and limitations apply. NMLS #2819502. Licensed in the District of Columbia. Equal Housing Opportunity.
Get a rate for your loan
The rate examples above are priced for the assumptions shown. A licensed loan officer will reach out during business hours with a rate range based on your scenario. No hard credit inquiry is performed at this stage, and you are under no obligation to proceed.