Live pricing · Placer & Sacramento
Purchase or refinance, set your loan-to-value and term, and see an instant rate and payment estimate that updates with the market.
Loan term (years)
Anywhere from 10 to 30 years. Longer terms price off the 30-year national average; shorter terms off the 15-year.
Your estimate
Note rate
6.300%
APR
6.370%
incl. $3,500 costs
Est. payment
$2,971
principal & interest / mo
Loan / LTV
80%
$480,000
Estimate only — not a rate lock or commitment to lend. Base rate from Freddie Mac's weekly national average (Jul 16, 2026), adjusted to the 10-year Treasury. Your real rate depends on credit, property, and program.
Full rate reduction applied.
Turn the estimate into a real number
The calculator gets you close. A quick conversation gets you the real rate — and the levers that actually move it: rate-buydown options, appraisal / property inspection waivers (PIW), lender credits and first-time-homebuyer programs on purchases.
The base rate here is not hand-typed and it is not scraped from anyone — it is sourced automatically from Freddie Mac's Primary Mortgage Market Survey, the mortgage industry's standard national average, and nudged each day by the movement in the 10-year Treasury so it tracks the market between the weekly survey updates. On top of that national number, this calculator applies our own rate adjustments by loan term and scenario. It is a genuinely useful planning estimate, and it is honest about being an estimate.
No calculator knows your credit, the exact property, or which loan program fits you best — and those are what actually set your rate. That is not a catch, it is just how mortgage pricing works. The value of getting your real number from a local loan officer is that the same conversation surfaces the levers that move it: a rate buydown, an appraisal or property inspection waiver, closing-cost credits on a refinance, or lender-credit and first-time-buyer options on a purchase. Those are worth real money, and they never show up on a rate table.
They are live estimates, updated automatically. The base rate tracks Freddie Mac's weekly national average and is nudged each day by the movement in the 10-year Treasury, then adjusted for your loan term and scenario. They are estimates to help you plan, not a rate lock or a commitment to lend. Your actual rate depends on your credit, the property, and the loan program, which is exactly what a quick call with a loan officer nails down.
Shorter fixed terms are generally priced below a 30-year fixed because the lender is exposed for less time. This calculator reflects that: it prices a 30-year against the national 30-year average, a 15-year against the national 15-year average, and estimates 20- and 10-year pricing in between, then applies our own rate adjustments on top.
On some loans the automated underwriting system will waive the full appraisal, which can save you the appraisal fee and shave days off closing. Whether your scenario is eligible depends on the property and the loan file, so it is one of the specific things worth asking a loan officer about early.
On many refinances there are lender credits or closing-cost reimbursement structures that can reduce or offset your out-of-pocket cost, depending on the rate you choose and your loan size. It is a real lever, and the right structure is specific to your numbers.
Prefer to just talk it through?
Aaron gives you the straight answer — no pressure, no jargon.
Call 916-365-2661